vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd

Complaint narrative:
" Wise '', the international transfer company, is withholding over XXXX of my money after closing my account with zero explanation. 

Over the last 3 weeks ( XX/XX/XXXX ) I transferred over {$80000.00} into a " Wise '' account in increments for the purpose of placing a deposit on an apartment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They froze the account after I attempted to send XXXX in rent to an account in XXXX. 

I converted this money to XXXX and managed to send XXXX to my own account in XXXX. They instantly closed my account without reason after I made that transfer. 

The company, " Wise '', has closed my account instantly after freezing the funds in my account for the last two days. 
They have given me the option to " appeal '' the closure and get back my XXXX. 

They initially claimed that they were ensuring that the money I have deposited is from a reputable legal source, but I have now had many emails back and forth where I have provided the following documents and submitted everything they ask for, including : - XXXX tax returns - bank statements from the past 3 months - a paystub from my company to my personal account These are the things that they have asked for and that I have accurately provided to them. 

They have responded by asking for the same documents over and over again, claiming that the documents I have already provided are somehow inaccurate, which is complete nonsense. 
I have shown them every possible way to verify my identity and the source of my income- I am self employed and run my own successful yoga school business, yet they keep asking me for an employment contract ( which I don't have, being self employed ). 

They have made it impossible to contact them, they have provided no email address or phone number, if you try to respond to their emails you are met with an automated response stating that no-one will read your reply. They request that you go to their chat on their application, however it doesn't work, the message is always that they are extremely busy and that the chat has been disabled. The phone number I managed to find goes to voicemail instantly. 

Basically, they have effectively stolen XXXX from me and are holding it against my will. 

This money was meant to go to a downpayment for an apartment and now this purchase will be in jeopardy because they are unjustly and I believe illegally holding my money. 

Now, as I write this complaint, they have closed my account without reason or explanation and are currently withholding XXXX from me. I need my money sent to me as soon as possible as I need to put a downpayment on a mortgage. 

I need this situation resolved immediately. 

I recommend that no-one use Wise to transfer or hold any sum of currency, they are not to be trusted and their service is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive attempted to send a digital dispute to XXXX regarding the myriad of inaccuracies on my credit report including my name and address history their are several variations of both which are negatively affecting my credit worthiness. XXXX XXXX  website does not allow me to select the proper reasons for a dispute or to dispute the information they are holding as valid, this information is unverified per the FAIR CREDIT REPORTING ACT and I demand verifiable proof that these account details are verified.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive attempted to send a digital dispute to XXXX regarding the myriad of inaccuracies on my credit report including my name and address history their are several variations of both which are negatively affecting my credit worthiness. XXXXXXXX XXXX  website does not allow me to select the proper reasons for a dispute or to dispute the information they are holding as valid, this information is unverified per the FAIR CREDIT REPORTING ACT and I demand verifiable proof that these account details are verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have called this company about my information was leaked on Equifax and experience database. I told them that I have information that is in inaccurate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: AK

Complaint narrative:
I filed a Multiple previous Disputes with XXXX and the CFPB over this. 
The man on the phone with Vance Huffmann LLC was extremely abusive and threatening he kept talking over me and kept trying to pump me for more of my private and confidential information because they don't have it. I was threatened with a attorney and hung up.

I have requested repeatedly from both the CFPB and Vance Huffmann LLC/Debit collector for the " Original Wet Docs. with my Wet signature '' and " the Debit Validation '' from them proofing they have the right to collect on a debit, and I want the The XXXX with the original Creditor, and that Vance Huffmann LLC is licensed for business in the state of Alaska where I live to do business in my state. 

This debit was illegally purchased without my authorization if its even mine seeing as how I cant get any documentation on it, and it was already written off from the Original Creditor in their XXXX they filed with the IRS for their tax return '' So this is an illegal attempt to collect on a debit that the original Debtor filed a XXXX, that is IRS FRAUD and then they illegally sold it to a bill collector. 

Please remove this immediately from account as it is FRAUD. 
I do not acknowledge this bill until someone can show me documentation that this is actually my bill and that the original creditors filed a XXXX and then illegally and fraudulently sold the debit to a bill collect. 

If they say something different please have them furnish the proof that I have requested repeatedly regarding this illegal transfer of debit, I need the original Purchase agreement, XXXX XXXX XXXX XXXX XXXX, THE XXXX Documents ' from the original creditor with the wet docs with wet signature, status of limitations, the last payments missed on the account and the XXXX by the original debtor. 

And now this bill collector is trying to illegally collect on something that was already filed by the original Debtor and claimed through the IRS on his XXXX C. 

If the documents can not be produced and sent to me for confirmation or dispute. 
Than this has to be deleted off my credit report as its fraudulently posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Global Trust Management LLC
State: TX

Complaint narrative:
XXXX XXXX is trying to collect payment for a debt that was created by identity theft. I didnt not take out the loan and I did not receive the money. They are harassing me to pay it back. 

I tried to file a police report in XXXX where I live but XXXX Police Department says I need to file the fraud /theft with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX other address : XXXX XXXX XXXX XXXX XXXX XXXX  email XXXX Bank of America recently sent me a letter in the mail to let me know that I have an account ending in XXXX. That I could look it up online at bankofamerica.com and I could not log in without a debit card and the website needs the last XXXX numbers to enroll for online banking. I wish to submit a complaint to CFPB to tell you about the financial harm my account and I have experienced as a direct result of unsound risk management, deficiencies in operational control, incorrect procedures that closed the account without giving me the right to dispute the bounced check that was cashed I should not be liable for. This account that came in the notice is my past checking account that was closed and with a negative balance that will be able to be given credit for the fee returns and more from the reward credit that might be available. I have been needing a checking account and this account notice I got in the mail could be the XXXX keeping with BOFA. I have not been able to get a hold of customer service that easy without a card and the entire account numbe. All the workers said they didnt have access and I have to make an appointment to open and 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 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The first billing statement I received for my new Best Buy credit card indicates a late fee of {$30.00} and interest of {$6.00}. I double checked my stack of mail and email and I have no account statement previous to the one I just received so I did not understand how I could be getting charge late fees/interest. When I contacted customer service I was told that I a previous statement was sent but they could not confirm when it was sent. I requested to make an arrangement to where I paid original balance of XXXX {$230.00} and that all fees interest/further interest be canceled. They accepted my payment but then refused to confirm that fees/interest would be dropped and no further interest would be charged. I was then asked to set up a payment plan/auto pay for future purchases. I was told to call back in a few days to find out if my request to drop fees/interest had been approved. I requested that my payment be revoked and that I be escalated to speak to the department who could confirm that all contested fees/interest would be waived. I was told by the escalation department that my request would likely be approved and asked again to make a payment. I hesitated but made payment for original balance. I was then asked to setup autopay, again, for future purchases ( Who does that?? ). I then asked and was transferred to the department who could close my account. I closed my 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 monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct these errors. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The rights to have inaccurate information corrected promptly. ( Section XXXX ( XXXX ) ) The rights to a reasonable investigation of disputed information ( Section XXXX ( XXXX ) ) The right to receive written notice of results of the investigation ( XXXX ( XXXX ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
On XX/XX/year> I initiated a full account transfer with XXXX to move all of my funds from my SoFi account into XXXX. I have two SoFi accounts that I moved to XXXX. On XX/XX/XXXX, the account transfer showed as completed, but I found that I was charged {$200.00} for a transfer fee from SoFi and there was also over {$700.00} left in the two accounts. On XX/XX/XXXX, I tried to withdraw the remaining funds manually, but was prevented by the system from doing so. On XX/XX/XXXX I reached out to SoFi to complain about the incomplete transfer and the {$200.00} of fees charged. The representative told me that the remaining funds would hit my XXXX account on XX/XX/XXXX and that I should reach out to XXXX to see if they could reimburse the fees. I did reach out to XXXX, but the transfer wasn't high enough to qualify for reimbursement. On XX/XX/XXXX, the funds still had not been transferred. I reached out to SoFi again and after a long time on the chat, they tried to tell me that the transfer was done and tried to send me to XXXX again. At this point, I have over {$700.00} sitting with SoFi that I can't withdraw and I was charged {$200.00} for transfers that haven't been fully completed. Not to mention the time wasted with customer service that was clearly trying to pass the issue to anyone else rather than actually resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

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 2024-12-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Neiman, Stone & McCormick , P.C.
State: TX

Complaint narrative:
T he apartment complex is trying to charge me for alleged violations related to damage to an elevator, claiming that the movers I hired caused the issue. However, the apartment complex did not require or request a certificate of compliance from the moving company or from other residents moving in or out. Such a certificate could have ensured accountability and addressed potential elevator issues. 

Additionally, the apartment complex did not provide me with adequate time to file a claim with the insurance policy I had on file with them. Furthermore, there was no certificate posted indicating that the elevator in the building was certified in compliance with Iowa state regulations. I have numerous emails documenting ongoing complaints about the elevator frequently breaking down. On one occasion, a person was trapped in the elevator, requiring firefighters to respond and free them. Despite Iowa law requiring elevators to have emergency contact buttons for police, fire, or medical assistance, this elevator lacked such safety features. 

Now, 30 days later, the apartment complex is attempting to hold me responsible for the elevator damage and include it in the debt they claim I owe. They are also alleging there was blood on the floors, which is falsethere was no blood on the floors when I vacated. 

When I left the apartment, I followed their instructions to leave the keys inside, leaving the unit unsecured for over a day. This created an opportunity for anyone to access the apartment, especially given the buildings ongoing security issues, including unauthorized guests, homelessness concerns, and XXXXrelated activity. These factors raise serious questions about the legitimacy of their claims and the handling of this situation. 

I also tried to dispute these charges prior to the flux sending me off to collections and they refused to work with me in good faith and lacked sending me any photos.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo sent me a 0 % balance transfer promotion in the mail, and I accepted it. The 0 % period ends on XXXX XXXX, 2025. I transferred {$7500.00} for a {$370.00} fee. When I got my most recent bill, it was not clear to me how much I needed to pay to avoid any interest, since I had used the card to make some purchases. A representative told me that unless I pay the entirety of the balance, I should expect to face interest charges. It was a circular conversation in which I kept asking how a 0 % balance transfer could face interest charges, and he kept telling me that it didn't -- that the {$7500.00} faces no interest on its own -- but that because I had used the card for purchases, the entirety of the card balance was subject to an interest rate. It makes absolutely no sense. I have now ( or in the past ) had similar arrangements with XXXX, XXXX XXXX, XXXX and XXXX XXXX, and none of them charge you interest on balances that are transferred, because that is separate from the purchases. It is misleading to advertise a 0 % rate to a customer for a set period of time and then charge them interest on it because the customer makes purchases. It doesn't even make any sense for the bank. Do they want me to not use the card at all? I plan to close this account as soon as possible, perhaps with another balance transfer arrangement from a credit-card provider that doesn't mislead and rip off customers. Especially after all the travails Wells Fargo has been through, I don't understand why they would behave this way. The representative on the phone seemed to understand my concerns and be familiar with customers complaining about them. Banks shouldn't be allowed to promote something for 0 %, then charge fees on it. Furthermore, my statement is totally confusing and misleading. On page XXXX ( attached ) it says that the {$7500.00} faces 0 % interest until XXXX XXXX, 2025, and says nothing about a separate interest rate I'll get charged for my " average daily balance '' as the phone representative indicated. Reading the statement, you would think that paying the entirety of the purchases would take care of what's subject to interest, but he said that isn't true.

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 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Unauthorized transfer by bank teller I made a police report and money was not available as promised. My accounts became hidden. I didnt close my account and still had funds in the 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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have called this company about my information was leaked on XXXX and XXXX database. I told them that I have information that is in inaccurate on my credit report.

Company response to consumer: Closed with non-monetary relief