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: CA

Complaint narrative:
XXXX shut down the XXXX XXXX XXXX and has taken over the banking for the former customers of Simple. However, nearly all of the Simple customers, including myself, are unable to access our money because they failed to properly prepare for the transition and lied about the transition process. 

Several key XXXX activities by XXXX : Transition occurred XXXX night. XXXX knows that their customer service is closed over the weekend, but continued the buggy transition anyway. 

XXXX knew that this weekend is XXXX XXXX XXXX, yet they expect thousands of customes to spend their entire holiday on the phone for hours. 

XXXX hangs up on their customers. The ONLY way XXXX can resolve the problems is over the phone. However, I and many thousands of customers have called multiple times and were hung up on by XXXX XXXX XXXX. 

XXXX had several months to prepare for the transition. Simple gave us well advance notice of the transition and so did XXXX. XXXX assured Simple customers that the transition would be seemless and easy. However, it seems that XXXX lied and did not prepare at all. If I had not been mislead by XXXX, I would have transferred my money to a different Bank and closed my account beforehand. However, I LOVED Simple and how easy to use it was, that I stayed with them till the end. I and as every Simple customer was falsely led to believe that the transition would be easy. 

Also, XXXX sneakily automatically enrolled EVERY Simple Customer into receiving Paper Statements for a fee that can only be XXXX if one has access to their XXXX account and is then able to navigate a maze of account settings to disable the Paper Statements. However, it seems that XXXX knew that the transition would not be smooth, hence Simple Customers would not have accessto their accounts ; therefore, XXXX can charge us all fees because it is impossible for us to disable the Statements. This decision by XXXX seems quite intentional.

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: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it. 

Credit card account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it.

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: Other features, terms, or problems — Problem with customer service
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( Brently ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You AreDissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). 

For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX XXXX XXXX. My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. 

On XX/XX/XXXX the front doorhad set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about 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: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it.

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: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
I was sent a pre-approved offer for an XXXX XXXXXXXX XXXX XXXX credit card on XXXX as an XXXX XXXX member at XXXX XXXX through Omaha FNB. This was a pre-approved offer NOT AN INVITE TO APPLY. I put in an application for the card with the understanding that ONLY A SOFT PULL would be done on my credit, however, this bank did a hard pull the was put on my credit with XXXX without my authorization. I DID NOT AUTHORIZE THIS COMPANY TO PULL MY CREDIT. ONLY A SOFT PULL After that I was denied this card after being pre-approved, and I never received a follow-up letter as to why i was denied. I attempted many times to talk to FNB Omaha to remove this hard pull from my credit, however, I was treated very rudely, and no one bothered to help with the situation. This company has misrepresented facts, lied, been very rude, insulting, disrespectful, unprofessional and helped in no way shape or form. This company NEVER informed me as to why I was denied this PRE APPROVED card offer and have lied as to sending me any formal letter. Again, this company DID NOT have my authorization to do a hard pull of my credit report but did so anyway. After searching online after the fact, I come to find out that this bank is KNOWN FOR THIS TYPE OF THING. In addition, since this drama began, Ive had no difficulties being approved for other cards. This company needs to show me in writing where I authorized them to pull my credit or take the hard inquiry OFF my XXXX immediately.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

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: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
In XXXX of XXXX my Wife contracted XXXX XXXX. She was ill for approximately 8 weeks and was unable to work. We took advantage of the loan forbearance offered by XXXX XXXX XXXX  to make this period easier financially. My Wife recovered and returned to work in XXXX and we resumed the mortgage. We have made all payments since the forbearance without issue. We noticed on our online banking statement that the loan had been transferred to another company. When I called the bank they stated this was standard and that the new mortgage lender would be contacting me with information on how to make my payments. I then received a letter in the mail from XXXX XXXX XXXX stating we owed them over {$6000.00} due by XX/XX/XXXX. I contacted the new mortgage company that stated we had to pay this debt to XXXX XXXX before we would be allowed to pay our current amount due for the month of XXXX. I was told that I had until XX/XX/XXXX to do this or the new mortgage company would proceed with taking action to foreclose on my home. How can they do this to people that are already suffering financially? This seems like a predatory scam to me. I have had a home loan with XXXX XXXX XXXX since XXXX, and now all of a sudden when we utilize the forbearance offered to us, our loan is sold to another company and immediate repayment is demanded to avoid foreclosure. I am doing my best to get the money together, and should be able to do this, but what about the families that can not. Most people can not come up with {$6000.00} in 30 days. What happens to 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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I bank with " Current " On XX/XX/2021 sometime after XXXX my debit card was stolen, 6 unauthorized transactions between XXXX - XXXX were made as credit transactions. I shut my card off and reported it stolen, along with disputing the 6 pending charges. My bank emailed me saying, after investigating the transactions they wont be crediting my account for the amount that was stolen. They said the pin was used ... yet I gpt a notification that an invalid pin was used. They will dispute an accidental XXXX $ charge ... but when my card gets stolen taking {$400.00} plus. They tell me, " we understand your frustrations but unfortunately we cant do anything. '' They claimed to be FDIC. 

I also have screenshots of my location from XXXX map an where I was at, at the time of the unauthorized transactions which are 2 different locations. 

Current is refusing to review and investigate the unauthorized transactions. They are telling me that they cant do anything about it, to email the dispute team. Yet when I email the dispute team it takes them a week or longer just to reply saying they cant re-dispute them. 
Now I'm weeks behind on my bills which i have to figure out how to come up with that money. The pain and suffering this is causing is rediculas

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: Other features, terms, or problems — Problem with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( XXXX ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You Are Dissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms.  XXXX XXXX XXXX ( XXXX ). My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front door had set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences

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 — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX  Subject : Inoperative Alarm w/ over 20 messages from ( XXXX ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You Are Dissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX ( XXXX ). My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front door had set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
1 never showed proof of claim failed to provide an actual contract where the actual flesh and blood name XXXX XXXX dually signed and witnessed by both parties not the unilateral agreement and which apone pg there there is reference to the entire agreement .proof of claim that rash Curtis is the original debt holder and a detailed invoice not a stament to which rash Curtis has lost any monies due to the mention debt And why are rasjh curtice o make false claims. And illegally place and report fictitious statements to the credit brought

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Paypal credit is the responsible party. I was double charged my auto drafted payPal credit card payment by paypal credit services of {$160.00} x2 starting in XX/XX/2021 - since then I have requested the second payment be refunded to me 3 SEPARATE times. After each request the operators all telling me to keep an eye out for a check in the mail 7-10 business day later. then i waited an additional month for each with NOTHING. So on the fourth request I called and they once again told me it was on the way. I finally got a refund check and it was a REFUND CHECK OUT OF MY OWN CREDIT ACCOUNT! so now ive been effectively charged 3 additional times for the same {$160.00} and when I tried to deposit one of the checks into my account just to get ahead on some other bills that check ended up bouncing and i got charged another {$20.00} bounced check fee from my bank

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: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 

They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 

I never had dispute or charge in my account. 

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX I am waiting for more than 180 days. 

Please paypal i want get access to my money

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: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has closed my accounts, after breaching cardholder agreement, to avoid processing credit for unauthorized charges. Other matters as well, separate additional complaints to be filed.

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: KS

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: Incorrect information on your report — Information belongs to someone else
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Ive disputed source receivables management multiple times on my credit report. The keep reporting that I have a XXXX  account and I do not. I have requested proof showing the debt was mines and I havent received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation