vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX, I saw the promotion called BONUSXXXX ( XXXX  : XXXX ) and I decided to open a checking account. However when I opened the first account ending in XXXX I realized that in order to qualify for the promo, I had to use the promo code BONUSXXXX, I then decided to open a second account immediately, the same day, this time using the promo code, this account end is XXXX. 

When contacting Capital One customer service by phone, I was told that, that I might not qualified for the promo because the regulations say that If you have or had an open XXXX Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. But I never had an account with Capital One until XX/XX/XXXX when I tried opening the account due to the advertising of the promo BONUSXXXX. 

I called Capital One customer service on XX/XX/XXXX, and I was told that a manual exception is possible if I call on XX/XX/XXXX, to request this exception and explain my situation. I faxed Capital One Customer Service on XX/XX/XXXX at XXXX, find attached the letter that was faxed, without receiving any writing response. 

I called Customer Service one week before XX/XX/XXXX, and now I was told that even do I did the XXXX XXXX direct deposits totaling {$1000.00} or more to my XXXX Checking account within 60 days of account opening, it seems to be that the deposits were originated from Capital One and not the other way around. This information was never told to me on XX/XX/XXXX, the first time I called when the customer service representative told me everything was ok, that I only needed to call on XX/XX/XXXX for the manual exception to be applied, and I never received a response to the faxed sent on XX/XX/XXXX. 

It seems to me that I am being a victim of false advertising, in which Capital One is trying every way to not honor the advertising regarding BONUSXXXX. I tried every reasonable way to contact Capital One, however, I was ignored and when finally trying to get what was promised now I am been told that I don't qualify.

Company response to consumer: Closed with 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: NM

Complaint narrative:
Saturday XX/XX/XXXX BBVA transferred my simple account to their banking platform. Nothing went right for me ( or millions of users ) and I now am locked out of my own account. Cant access my funds. Cant see how much I have in my account. Nor use my debit card. 

XX/XX/XXXX I have been calling their customer service only to get hung up on repeatedly or they ditch the call by claiming to not hear me. Im not alone in this. BBVA needs to be held accountable for having MONTHS to figure this out and failing. While also financially screwing thousands, if not millions out of their own 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 — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was a customer for simple bank, which recently transitioned to BBVA. The process was supposed to be seamless, and it's been anything but that. All my funds are locked now after following the process that BBVA told customers to follow. Their XXXX account said they fixed the issue but everyone is still locked out. Calling the support number provided only results in being disconnected. I keep trying and it either disconnects immediately or when I get through to a support person they pretend to not hear me and then hang up. You can see online XXXX XXXX XXXX XXXX XXXX how poorly this transition has gone. All the bank customers are locked out with no help and no access to their money. Please help us!

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: MD

Complaint narrative:
On XX/XX/2021 my Simple bank account switched over to BBVA and we were promised a seamless transition.

Since yesterday, I and many other former Simple customers have been unable to properly transition our accounts, or even access them, and some have even been unable to use their debit cards. BBVA does not answer their phones and even promised to be available at XXXX XXXX Central today but when we call, the line automatically hangs up XXXX some people hear a recording pretending to say they can't hear the customer before hanging up XXXX. The actual app interface is a mess ; I tried to start my account activation from scratch and it told me my account was already open. Luckily I wrote down the password I tried to create yesterday ( even though I got an error when trying to do this ) and I got a message saying I was locked out. 

Oh, and BBVA has not sent one email since this entire fiasco began, rather, they have provided inaccurate updates on an unverified XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOANS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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:
XXXX XX/XX/2021 XXXX transferred Simple account holders to their online banking. I have been locked out of my account since then. The bank has locked my account and any attempts to reach customer service have failed. They specifically opened up customer services lines today XX/XX/2021 to deal with this issue, however, as soon as you get through to a rep and tell them your issue they hang up the phone on you. The bank has not done their due diligence to keep new customers informed about issues. Instead of emails letting us know what is going on they are posting it to twitter. This is highly unprofessional and disappointing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
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: 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: Experian Information Solutions Inc.
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 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: TX

Complaint narrative:
The bank behind Simple ( a mobile, online-only banking service ) is XXXX and they shut down the Simple product yesterday after months and months of emails about Simple customers needing to prepare for XX/XX/XXXX, when the conversion would happen and, presumably, we'd be migrated to XXXX clients and able to activate our online accounts. Not only did they botch the conversion process, but most Simple customers have been unable to activate their accountand, hence, unable to monitor or move their moneyfor more than XXXX XXXX now. They never sent a follow up email with further instructions, instead relying on XXXX posts as their communication. They said today, XX/XX/XXXX ( SUNDAY, XXXX XXXX XXXX, we needed to call into the call center between XXXX and XXXX CST to get help. When we do, either we never reach a rep and it disconnects, or we reach a rep who gives their introduction, immediately says they can't hear us, then disconnects. I've even started with, " I know you can hear me, '' to which the person immediately disconnected the line. Someone could be using my card, spending all my money right now and I'd have NO IDEA. I have NO VISIBILITY into my account.

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: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: IN

Complaint narrative:
My Simple checking and savings account was transferred to BBVA USA upon Simple going out of business. The online enrollment did not work and my efforts to establish a login to access my account to were locked. The customer service number directs to an automated system that hangs up XXXX in my experience XXXX approximately 75 % of the time. When a customer service agent is connected, they have all pretended they could not hear me or anything I was saying. They lie, then hang up. I have no access to my accounts and no means to directly address the issue with XXXX.

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 {$810.00}. 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company AFFIRM INC 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 {$400.00}. 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: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
Former customer of Simple bank being forced to transition to BBVA. Transition has been awful, limiting my ability to access my account or my funds. Multiple attempts to set up have met with errors and contacting support constantly leads to being hung up on. No response has been provided and I am unable to access any of my funds in any of my accounts. Seeing up my account resulted in a " fatal error '' and then when following BBVA 's advice to try to log in with my new details ( despite the error ), my account was locked for security reasons. No way to get in touch with BBVA to get account unlocked as support continues to hang up and can not hear me.

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: OK

Complaint narrative:
I had an account with Simple, which was recently closed and merged with XXXX. The merge happened yesterday XXXX Saturday XXXX ) and since then XXXX today is XXXX ), for two days now, I have been locked out of my checking and savings account completely, with no access to my money, and no way to check balance, make or receive payments, etc. I have followed the instructions on the website pertaining to creating a XXXX account online, which resulted in my being locked out of my account. After calling the customer service number, the customer service representative immediately hung up on me. My husband, who shared a joint account with me, called multiple times and was hung up on each time ; several times the customer service representative claimed not to hear him before hanging up. XXXX announced that they were opening customer service lines today ( XXXX ) to account for all of the Simple customers who are not able to access their accounts or get the help they need to do so, but neither I, my husband, or anyone else I know of has been able to get real help. We have no way to access our money, and no means of doing so. This is 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: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was a SIMPLE by XXXX customer and during the transition I now can not access my bank account, get hung up on by customer service. I cant transfer money either or see how much money I have.

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: The Bureaus, Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : 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 {$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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX has locked us out of our accounts after they took over Simple and have refused to unlock them. The customer service department is hanging up on us when we call. Ive had no access to my money since XXXX XXXX morning.

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 is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i have looked on all my credit reports an do not show an account for which midland credit management is trying to charge me for over XXXX dfollars. i have called trying to speak to a manager an get the run around or get told the manager doesnt wan na speak to you an to call later. was also told to bad it has the last of your social your gon na pay it. looked when i was thinking of buying a house to pay just to get it removed off my credit but after speaking with my lender an him an i both not seeing such a card on my credit we decided not to an to try an have it removed. midland credit management does not care just says i need to pay an i can not speak with a manager. 

if needed i will supply you with my credit reports showing i have never had a open, closed, an or even charged off account on my credit other then midland funding trying to impose there will to wrongfully collect from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I was sitting on my couch when I received an email from XXXX confirming an Ethereum sale transaction which I did not initiate. I immediately contacted XXXX and my account was disabled/locked down. I was assigned case # XXXX and told it would be resolved in 4/5 business days. So far everything seemed reasonable as It seems I was the victim of a hack and that resetting my login/passwords would be an obvious fix. 

I had 99 % of my crypto in XXXX Vaults so in theory adding extra layers of security and protection. 

Since then - Nothing. No case manager, no human contact, no phone calls, no updates, no emails, nothing. 

I have over {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX dollars XXXX at current market values in XXXX and this is virtually all my life savings. 

I have been all over XXXX and other sites and it seems many, many people are having these issues with XXXX. 

Its beyond unconscionable to simply not communicate especially when in control of so many others funds. 

Please help.

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 — 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 XXXX  ( Original Creditor : 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 {$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 — 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  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 {$680.00}. 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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank online banking does NOT allow for payments toward principal to be applied on a scheduled basis. They require us to remember to go on their website portal, log in, do the principal payment every single time we need/want to, which is a waste of both our time and money!!! There is NO WAY to set up a scheduled automatic payment to principal, which is a sneaky way for them to get more money and NOT be working for the consumer ... even though they already make thousands in interest every year on my loans and m/billions of $ $ from all of us! Last I checked, it's XXXX, but their online banking set up is barely from XXXX! There should be a FEDERAL LAW that REQUIRES ALL BANKS to allow for scheduled Payment to Principal payments in any/all of their online loan payment systems ( allow Monthly, Bi-Monthly, Weekly, Bi-Weekly, or however " XXXX % & $ # '' frequently we want to make the payment - it's an automated thing so no humans are involved in doing the transfers, so it shouldn't be a big issue! ) Thank you for pursuing this issue!

Company response to consumer: Closed with explanation