vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M1 Holdings Inc.
State: TX

Complaint narrative:
I moved more than {$270000.00} dollars from my XXXX account to M1 finance. It has been more than 3 weeks, my account is restricted and no matter how many times I provide my documents ( Passport/ Social Security card/ Drivers License ) they don't listen to me. They say we can't validate your identity. I offered them option to have me fly to the XXXX ( their headquarter ) so that I can provide retina scan and fingerprints to verify my identity, they wouldn't do that, They are trying to scam me by sitting on my life 's saving and collecting interest on it while giving me excuses that they can't verify my identity and my account is under review for 3 weeks, They wouldn't let me touch my own money. 

They are online bank/brokerage and they are fraud. To get rid of them, I even initiated an ACAT transfer to XXXX XXXX, which is a regular local brokerage who has office right by my house so that I can finally access my fund by personally visiting XXXX XXXX XXXX, they declined that ACAT transfer to XXXX. so that M1 finance can sit on my XXXX  XXXXXXXX XXXXXXXX XXXX savings for unlimited amount of time collecting interest on it and denying me access of my own fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a 401k for years with Merrill Lynch through my employer. When I retired I rolled the balance into a Traditional IRA thru Merrill Edge which is tied to Bank of America. I chose an IRA that would mature in 3 months. It matured on XX/XX/XXXX. After the IRA had matured I wanted to roll the funds over to a different IRA with my Credit Union. There was a problem with my Credit Union and Merrill Edge with doing this transfer. My Credit Union asked me to have them send me a Check for the balance and then they would open the new IRA for me. I called Merrill Edge and they advised me that they would be able to send me a check for this balance. This was around XX/XX/XXXX. I received a check from them for the balance less {$49.00} from them dated XXXX. At no time was I advised that I would be charged a fee for requesting a check for the balance that I had with them. I called Merrill Edge and I spoke with XXXX. He said he understood my concern because I was never informed that there would be a fee involved and that he would escalate my complaint to his supervisor. He told me that they would be back in touch with me within 24-48 hours regarding this matter. Three day later I had still not received a call so I called them again. This time I was told the there is a fee for taking my money out and they were not going to refund that money to me regardless of the fact that they admitted that I was never informed of any fees for accessing my own money when the IRA had matured. I see this fee as being excessive and ridiculous as this is my hard earned money and they have been using it for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Paid for services using the promotion of no interest if I pay promotional balance within six months. Paid way over the minimum balance for two months in a row ( {$420.00} extra the first month and {$340.00} extra the second month ) hoping the excess would be applied to either promotional balance and it never was. Company now claims there is nothing they can do until the billing period closes, and the after that they can't reallocate the payments because the billing cycle closed ( what they told me about my XXXX payment ). 

On the website they have an area where you can tell them how to allocate the payments but no matter how I filled it out ( and received confirmation ) the information did not stay and payments were allocated to the regular balance instead of the promotional balance ( s ). And now they are about to charge me the deferred interest because they claim I didn't pay the deferred balance before the expiration date.

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 2024-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I placed a wire transfer request with the bank. 
The bank confirmed that the wire transfer has been processed. 
The receiving bank ( XXXX XXXX XXXX  ) did not receive the funds from the wire transfer. 

Upon follow up trouble shooting with the sending bank ( Goldman Sachs/ Marcus Bank ) , they rescinded the transaction after the confirmation and returned the funds into the origination account. 

The bank personnel used bureaucratic double speak to justify this rerouting of the transferred funds. None of the representatives could understand the bank 's position well enough to speak to it. The managers that were brought in upon escalation had the same limitations in understanding the bank 's policy in locking the funds. 
The original representative from the bank 's wire transfer department understood the transfer request, processed it, and then verbally confirmed that the wire transfer had been conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally complain about the inaccurate credit information currently reported by your agency. The inclusion of the following information in my credit profile has adversely affected my good credit standing, leading to a wrongful denial of credit recently. 
As per credit reporting laws, it is imperative that bureaus report only accurate credit information. I believe the inclusion of this inaccurate information is a mistake, either on your part or the reporting creditor 's. This mistake has not only been highly embarrassing but has also negatively impacted my lifestyle. 
I kindly request the prompt verification and deletion of the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your swift attention to this matter and request the removal of the aforementioned information as quickly as possible. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report. The credit report showed several credit inquiries on my credit report that I do not recall authorizing. I understand that the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please assist me with having these inquiries reported by Equifax removed from my credit file because it is affecting my financial integrity and making it very difficult for me to acquire new credit. In accordance with the Fair Credit Reporting Act the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : HARD INQUIRY - XXXX XXXX Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX XXXX XXXX ; XXXX - Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX XXXX - Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX XXXX - Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX XXXX XXXX - Has violated my rights- Delete immediately HARD INQUIRY - XXXX XXXX - Has violated my rights- Delete immediately 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inquiries are unauthorized and shouldnt be reported. I have brought the issue to the attention of the credit bureau mentioned. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. As a resolution, I want these inquiries DELETED : This activity was never authorized, and need it to be rectified immediately. Please delete these from my credit report immediately. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 USC 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on statement a payment made by the obligor or a credit issued by the obligor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 USC 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on statement a payment made by the obligor or a credit issued by the obligor

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis risk solutions is reporting information on my report that is not mines i never gave LexisNexis permission to report anything in my report i also dispute information in they file was inaccurate but for some reason they still reporting under 15 usc ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsC ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] my right are bring violated i would like to also know that i gave them a written concent to remove all reporting they have as sage stream.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account Name XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX Account # XXXX I am submitting this complaint regarding attempts by debt collection agencies to collect a debt they claim I owe, associated with XXXX and XXXX XXXX. Despite my repeated requests for written verification of the debt, as well as letters to the credit bureaus, and requesting proof of their identity and authorization to collect this debt, the agency has failed to provide any such documentation. I have asked for this verification within the legal timeframe, as per the Fair Debt Collection Practices Act ( FDCPA ), and have yet to receive a satisfactory response. This lack of compliance has prompted me to seek intervention from your agencies. The accounts in question are reported on my XXXX and XXXX credit reports under the account numbers. I believe this practice is detrimental to my financial standing and mental health, and I seek your assistance in resolving this matter under federal consumer protection laws. 

There has been a police report for XXXX and XXXX XXXX 

There is also Account name XXXX Account # XXXX This account was paid off in full and they marked it as charged off as bad debt and purchased by another lender. I have sent multiple letters to reach them and the bureaus but have not received a response back. Which also goes against the FDCPA, Please advise.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided | demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a letter for pre approval on a Capitol One platinum credit card. I read the potential reasons for getting declined even with a pre approval letter and because nothing on my credit fell under those reasons I chose to still apply. I was declined but they offered me a se ure card instead. I now have a hard inquiry added to my credit just so they can try baiting me into a secure card. I say this because all of the reasons they gave me for being declined, are issues with my credit that have been ongoing for over a year. This means they already had all of that data available to them before sending me a pre approval letter. If they already knew that information, then why are they sending me a pre approval letter if there is a guarantee that they will decline me, but then offer a secure card instead at a 30 % interest rate. Now I have a hard inquiry on my credit that will be on there for XXXX  years just so they could try baiting me into a super high interest rate on a secure card. This seems like predatory lending to me. If this happens just because they use an automated system for these letters, then they should not be allowed to use such systems. Clearly they should have known I would not have been approved with the data available to them and it's wrong for them to try getting business in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding LLC is a company that bought two of my credit cards debt over 10 years ago during hard times. This company filed judgement against the 2 accounts and the judgement have dropped off 3 or 4 years ago since the filing. Today I received a letter in the mail " XXXX XXXX XXXX '' to take possession of property. This action leaves me XXXX founded after reading the Fair Credit Act that a company can use the courts to violate the statute of limitation law. 

The receiver 's information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone Number : XXXX State Bar No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was ruined by Covid-19, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
there are fraudulent inquiries on my credit reports ; 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The XXXXXXXX XXXX have been monetizing and defaming my character through the use of wrongful reporting of inaccurate accounts on my consumer report that they have not validated and have no proof actually are valid debts. I have previously written to the CRA 's XX/XX/24 and have not heard anything in response to my request. Since I have reached the 30 day mark that they law allows I will be initiating my federal lawsuit if I do not get the requested remedy within the next 14 days.

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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
Phone stole XX/XX/23, Chime account accessed and the following transactions done : XX/XX/23 {$60.00} XX/XX/23 {$200.00} XX/XX/23 {$500.00} XX/XX/23 {$150.00}. Police report filed and sent to Chime with disputes for fraudulent activity. Chime declined my disputes. Called and requested another dispute be filed and Chime declined again. Previously submitted complaint to cfpb and company still declined dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was ruined by Covid-19, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX

Company response to consumer: Closed with non-monetary relief