vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 haven't been able to access my Simple checking account for two days, since the transition began to BBVA USA. They will not let me log in, and I can't get in touch with customer service. I have almost all of my money in that bank account, and no access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Online bank simple was the original holder of my account. Today, SIMPLE was transferred to XXXX. However, XXXX has since locked me out of my own account on their mobile app, claiming to not recognize my login. 

I needed to report a missing debit card as my wallet was lost this weekend but now have no access to my account number XXXX SIMPLE has completely shut down their app ) or debit number ( lost/stolen ). XXXX All account information, including log ins, were supposed to be the same. ) They have also disrupted the transfer experience by having their customer service agents hang up on simple users who use the dial service for help specifically with their simple account. 

Adding insult, they are specifically stating they can not hear when we start to initiate conversation. They are also now blocking all similar complaints of this mishandling on XXXX so no one can find this information. I no longer have access to my money, customer service, or to their mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I filed a complaint against HSBC on XX/XX/2021 for non-receipt of redeemed points. They responded in letter form with false information. I sent an email to HSBC on XX/XX/2021 informing them of their false information and never received a response. My email response is attached to this complaint. Therefore, I'm filing a new complaint for their fraudulent actions.

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

Complaint narrative:
On Saturday XX/XX/XXXX, BBVA attempted to transition my Simple Banking account into a BBVA mobile banking account. This had been announced for months and was assured through emails that all banking information would remain the same, I would just need to create a new login. Since the transition I have not been able to login to view any account information, nor use my debit card, or have any access to my funds. BBVA stated they would open up customer service on today, Sunday, XX/XX/XXXX to help deal with the transition. Every time I call in to the customer care line, the call is either disconnected or the customer care representative acts like they can not hear me and promptly hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.

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: CA

Complaint narrative:
I am a simple customer who is now unable to access my funds because BBVA USA botched the transfer. Ive been locked out of my account since XXXX  evening without the ability to transfer my funds. I called and all I got was an automated message saying theyre giving technical issues but wont give a estimate on how long well have to wait for a fix.

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/21, according to the longtime scheduled takeover of my Simple Bank accounts ( checking and savings ) by BBVA USA, and despite following the instructions emailed to me by BBVA USA, I was unable to access either of my accounts. 

On XX/XX/21, seeing comments on @ XXXX 's XXXX feed from other former Simple Bank users experiencing the same problems, I again attempted to access my account, following BBVA USA 's recommendation to try again, I found myself locked out of my accounts. 

Their customer service number, XXXX, directs callers to a call center. I called four times and was hung up on every time. 

Currently, XXXX XXXX is holding my entire checking and savings funds. I have no way to access them and no way to get ahold of the company to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Paypal has been lying to me about a account of mines they've closed down and never returned my money on the account. They said they hold the account for about 180 days which ended this past XXXX and then closed my account and said legally they do not have to give a reason ... Sounds fishy

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

Complaint narrative:
BBVA recently bought Simple bank, and since the transition Ive lost access to all of my money along with every simple bank customer that was included in the transition. Im currently struggling to budget {$20.00} in cash because of this for the past 2 days & all of my money goes into this account so it is urgent i unlock it to pay my bills & for essentials. They claim the call center would be opened today too for us to call but were all getting the same voices who claim they cant hear us and hang up every time we get connected

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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I contacted the lender and they agreed to delete the debt after making a payment of {$480.00} but they have not deleted the account as stated in the email they sent me. 

The email and proof of payment is below.

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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 {$79.00}. 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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX bought out Simple banking and since doing the transfer I have been locked out of my account for 3 days not able to access any of my funds and I have bills due ... They have no customer service available and when they do they are hanging up immediately I need my money now and I will be closing my account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: MD

Complaint narrative:
Applied XX/XX/30, was approved XXXX for a PPP loan. I signed loan documents XXXX with XXXX / XXXX XXXX as the lender. It has been over 18 business days and I still have not been funded. I have created OVER 20 support tickets to be contacted, called XXXX XXXX for a call back, in addition to emailing the CEOS of XXXX and XXXX XXXX with no response. I have a loan number on the XXXX  website, but no movement as far as funding

Company public response: Company believes it acted appropriately as authorized by contract or law
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 have had a " simple '' account for years. XXXX they decided to close simple and put everything under their main system XXXX. XXXX does not transfer account as it's supposed to via the web site or their app, phone numbers are worthless. If you call phone numbers 99 % of the time you are simply hung up on. When you do actually have your call picked up someone who sounds like they speak english as a second language XXXX XXXX person ) pretends they can't hear you ( every time ) then sometimes reads off a phone number so fast you can't hear or understand it. These people have several XXXX dollars of my money and will undoubtedly continue to enjoy the benefits of my funds until they feel like giving me access to my money again XXXX like when, several weeks? ) They are apparently secure in the idea that their debacle will go unpunished when it should not. My fear is that if they are not immediately called on the carpet that this will result in a torrent of over drafts and refused charges from a couple of things that I have charging their card every month. You can't let this go on when they've shown their colors already punishment needs to be swift and sure so no one thinks it's ok to do this again.

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: CA

Complaint narrative:
BBVA USA transferred simple accounts to their service on XX/XX/21 XXXX of the accounts could log in They had no tech support No way to contact the company XX/XX/21 instructed to call customer service.. 
Multiple customer service agents answering, claiming they can't hear, and hanging up. Repeatedly. 
No way to access funds No access to debit card No way to contact bank No way to get into accounts at all due to mismanagement.

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:
XXXX bought out Simple and has been reminding us their transition date is XXXX for months. Now their transition set up site has been utterly collapsed and their only response is to hang up on people on their customer service line and hide the tweets of people complaining about this unacceptable inability to access our bank accounts. They seem to have no intention on reaching out to people individually or even interacting, instead just trying to sweep things under the rug as much as possible. Were I able to access my bank account, I would have already closed my account with them. Extremely unprofessional both in execution of the transition and with their complete non-response. Theyve instead just opted to lie and say theyve rolled out a fix already, and then ask people to call the next day XXXX today, XXXX XX/XX/21, mothers day XXXX, to see if people over the phone can help, albeit everyone instead reports getting hung up on by XXXX the moment they mention simple.

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: CITIBANK, N.A.
State: NV

Complaint narrative:
XX/XX/XXXXa hold was placed on my account. 
Its nowXX/XX/XXXXXXXX and stilk no resolve to my account even though its been past the 24 to 48 hr review they said its under. I provided all the necessary documents and still no access to my account at all. I recently was approved for the PPP loan which was deposited with no worries. They refuse to let me log in my account and access my funds. I need help ive done everything.

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 — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX, l opened equity line of credit with Bank of America because I had over XXXX credit scores. At the time of application the property located at XXXX XXXX XXXX XXXX was titled XXXX XXXX XXXX XXXX XXXX XXXX and was approved for $ XXXX equity line of credit ; while the property located at XXXX XXXX XXXX XXXX was titled XXXX XXXX approved for $ XXXX equity line of credit. I was allowed to withdrawals {$25000.00}. Unknowingly, Bank of America staffs fraudulent in Delawares office sold the loan to XXXX XXXX, a private investor in Delaware doing business with Bank of America within XXXX XXXX building. XXXX XXXX the servicing company offered the mortgage and didnt offer me the opportunity to pay the amount owed. Currently, XXXX XXXX is servicer of the HELOC mortgage and demanding a payoff of over {$65000.00}. A payment of over $ XXXX was sent to make the monthly mortgage payment up to date but XXXX XXXX refused the payment and hoping to sell the property in sheriff sale scheduled for XX/XX/XXXX. 
The second property is not currently not current in making payments and the bank has fraudulently changed the title to read XXXX XXXX without my knowledge and refused to provide me with accurate monthly banking statements. Bank of America staffs are so unpredictable. In XXXX when I first filed chapter XXXX bankruptcy. Bank of America closed my savings and business account I opened with the bank since XXXX. I pleaded to reopen the account. My request was denied. It seems the bank is about to do the worst for fraudulently changing the names in the originally deed to my name and stopped to provide me with monthly statements to gain the chance take over the property for non payment. Before now, I once presented settlement offer of {$25000.00} but the offer was refused. I am still willing to make same offer to resolve the mortgage problem. 
Third incident involves XXXX XXXX XXXX and I was asked to service the loan with a signed power of attorney ( POA ). The property is located at XXXX XXXX XXXX XXXX, XXXX. I made efforts to keep the property for the family by engaging in settlement negotiations. Finally, Bank of America obtained judgment and appeal was filed and reconsideration motion was also filed. The bank connived with the Attorney and illegally sold the property without proper procedure. I have not heard from the bank to know if the property was recovered.

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: AZ

Complaint narrative:
Simple account holder owned by BBVA, Simple service/accts/app closed, requiring Simple customers transition to BBVA on XX/XX/XXXX. During online BBVA account creation, the process did not complete. Have been repeatedly calling Customer Service # s provided by BBVA to transfer remaining funds out of BBVA/Simple and close my acct. After 15+ calls, have been disconnected or hung up on by CSRs/TSRs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company 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 {$4500.00}. 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company 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 {$1500.00}. 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: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX. my identity was stolen and fraudulent accounts we're applied for and started in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I sent them a letter informing them of the fraudulent accounts on XX/XX/21, and by law they had 4 days to remove the items. It is now XX/XX/21 and the items are still reporting on my credit report. THAT IS AGAINST THE LAW. they are now criminally and civilly liable for all the fees listed in my invoice attached.I want all the accounts listed in my dispute letter to be removed, or updated to payed as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
This disputed collection action came about ( late 2020 ) as a result of XXXX XXXX 's desire to punish a long-term customer for demanding a termination of service. No contract existed at this time. When I was notified through email ( not in writing ) that there would be a nearly 100 % price increase to {$140.00} ( partially through lost or expiring discounts and credits ), I immediately called customer service and requested termination of service. This termination request came within a few days of the new billing cycle encompassing the price increase. I requested that the service be cut immediately so that they would be owed nothing. They failed or refused to cut the service when requested. This verbal notification was supposed to have been recorded by them for training purposes. In the so called investigation by XXXX and the collection agency, no attempt was made to recover the recording-obviously, the facts must not get in the way. 
XXXX has turned this over to collections, and are attaching my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I attempted to withdraw funds from my checking account via ATM. I received a prompt stating that my banking institution has blocked transactions. I immediately attempted to contact BBVA to find out more about the issue. Can not even connect! The calls are being dropped continously. Please help with this situation. I need access to my money.

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

Complaint narrative:
I was a customer of Simple. On Saturday, XX/XX/XXXX, Compass BBVA shut down Simple, claiming that all Simple customers would be moved over to the Compass online system. 

The transfer failed catastrophically. I am unable to access my accounts. At this time, on Sunday, XX/XX/XXXX, customer service representatives assigned to this case are hanging up on me moments after introducing themselves. I am unable to access any online banking accounts to move money around or check my balances, and BBVA is refusing to provide support.

Company response to consumer: Closed with explanation