vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OLIPHANT FINANCIAL, LLC
State: MN

Complaint narrative:
The debt collector/buyer ( Oliphant Financial , LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX reported the same outdated single account which has been settled, as XXXX separate collection accounts on my credit report. Essentially they created XXXX negative items on my credit for XXXX settled account and aged account. Additionally, they mis-state the age of the account as being from XXXX when it is in fact from XXXX, which will inaccurately leave the account on my credit report for over 6 years past the time when it should drop off. It also created the appearance that this is a new item on my credit report when it is in fact an old and settled account that they suddenly decided to report ( twice ) This account was settled and paid and a civil lawsuit was involved. It was NEVER on my credit report and then yesterday suddenly appeared as XXXX entries for the same outdated item. This is wrong and abusive, and a seriously unethical and questionable practice by this collection company. Again, this is a single account closed in XXXX that was litigated civilly and settled. It was never XXXX accounts, should not be on my credit at all let alone on my credit as XXXX accounts. This is a deceptive and retaliatory practice by this firm and should be addressed. I will be cross filing this complaint with the state attorney generals office and consulting with an attorney this afternoon to discuss recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I have a loan from Citizens Bank. The loan number is XXXX. 

Around XX/XX/XXXX, I paid XXXX dollars cancelation fee to cancel my Escrow Account. Citizens approved. 

This XX/XX/XXXX, I found Citizens set up an Escrow account for me again for home insurance. And they took me XXXX dollars from my bank account. They said they helped me buy an insurance. 

Actually I have home insurance all the time from XXXX XXXX with annual premium around XXXX dollars. But Citizens helped me buy an insurance for XXXX dollars with annual premium. 

I left XXXX on XX/XX/XXXX, and came back to XXXX on XX/XX/XXXX. I found some letters said they did not have my insurance info. So they purchased insurance for me. 

Actually during this period I was not in XXXX, they should have email me with al the notice., which all other institute or any agency would do if they could not get any response from my via letter from mailbox. But they did not choose any other valid way to notice me, they just forced me to get an Escrow Account again. I called them, they said they will refund me that XXXX dollars to my Escrow Account, and refund me next year ... that's ridiculous. they randomly took money from my bank account and forced to get an Escrow Account again. This Citizens have issues or scams all the time to their customers. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that highlighted significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They have informed me that recovering lost funds is impossible and that tracking these transactions is unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have a Capital One Platinum card and I got an email saying I had a payment returned that I had made over XXXX weeks previously I made the payment of {$39.00} on XX/XX/XXXX but it hard posted to my bank account on XX/XX/XXXX. 
On XX/XX/XXXX I called them and asked them why they said I had a returned payment and they said that I had requested a stop payment. ( I had not ) so we ( Me and a supervisor ) did a three way call with my bank where by bank confirmed that the money was pulled from my account and I did not place a stop or anything on it. 
They said they had to do an investigation into this matter. fine whatever. 
I check my capital one account yesterday XX/XX/XXXX and it says my account has been restricted. 
I called capital one and they said they are closing my account due to too many returned payments. ( The agent : his name was XXXX. said I had several returned payments ) When I pointed out that I had an investigation going on for this reason XXXX said it was the fact that I had XXXX other return payments. I said okay but XXXX is not several. 
XXXX was extremely rude and kept putting me on hold and refused to help me or clarify what that meant. I asked him if that was in my terms and conditions and did I agree to that? And he said yes and I asked him to show me where and he refused. He said he didn't want to read my terms and conditions to me. When I asked why he said it was because he didn't want to. I just wanted to know where it said that they could close my account for X, Y and Z reasons. He wouldn't, he said he didn't have to do anything to help me and kept putting me on hold hoping I would just hang up. 
How can they close my account for return payments when I have an investigation going and then also refuse to show me my terms and conditions?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: WI

Complaint narrative:
To Whom It XXXX Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

To clarify this matter, please provide the following : XXXX. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
XXXX. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 
XXXX. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( XXXX ). 
XXXX. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 

Permissible Purpose of this claim. 
Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. 

If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the XXXX XXXX XXXX XXXX report XXXX and a prior Validation of Debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the XXXX XXXX Breach Notification report, and a prior Validation of Debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally raise my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit exposing significant flaws within the platform. Despite having used Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was impossible and that tracking the disputed transactions was unfeasible. The CFPBs findings further reveal that Zelle has consistently neglected to safeguard consumers, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability, transparency, and consumer protection is deeply troubling and raises serious concerns about the platforms commitment to user safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a XXXX XXXX, and they reach out to me for XXXX, but the person who reach out to me where out of town and need to be XXXX  before they arrived, but address they provided did exist. but before starting they were going to send me the check for XXXX and for XXXX all together the " client '' sends me check so I can deposit and sent to the XXXX first and then ill go XXXX XXXX. the person reach out to me through text only, once check arrived I deposited the money and transfer the money to XXXX  through XXXX. total was XXXX and next the day I check my bank and it was gone. so I reported to bank and of course they can't do anything about. so I noticed it was scam and never got a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates the Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NJ

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
the following items need to be removed from my credit file reviewing my report now I see these items and they are not my accounts and should be removed besides. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the following items need to be removed please ; Account name : XXXX XXXX Account number : 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
the following items need to be removed from my credit file reviewing my report now I see these items and they are not my accounts and should be removed besides. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the following items need to be removed please ; Account name : XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief