vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XX/XX/year> A XXXX XXXX contacted me around XXXX stating that I have a balance of {$1000.00} and I could pay it off with a one-time settlement payment of {$450.00}. The creditor is XXXX XXXX XXXX. It was stated that this payment must be paid my Friday, XX/XX/year>. It was also stated that that email was the last and final notification and legal charges against me and will be served with court papers soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a new account under a promotion offering a {$350.00} bonus upon meeting the requirement of having combined direct deposits totaling between {$5000.00} and {$7900.00} within 90 days. I completed the necessary requirements and, as instructed by a customer service representative, waited an additional 60 days for the bonus to be deposited. 

During this time, I spoke with three customer service representatives for updates. The first representative confirmed that I would receive the bonus on or before XX/XX/XXXX. However, the bonus was not deposited as promised. I contacted customer service again, and the second representative assured me that the bonus would be deposited after my statement closing date, which was XX/XX/XXXX. Despite waiting until XX/XX/XXXX, the bonus was still not credited to my account. 

When I reached out on XX/XX/XXXX, the representative claimed I had been contacted on XX/XX/XXXX, regarding the bonus. However, this is inaccurate ; I immediately answered the call, but the agent hung up. The same representative then stated that I would not be receiving the bonus because I supposedly had opened an account previously. This is incorrect, as the account I opened in XX/XX/XXXX is my first account with your institution. 

This situation raises concerns, particularly as I was repeatedly instructed to wait and maintain the account for the bonus, incurring monthly account fees throughout this period. If the bonus was never intended to be issued, these instructions were misleading.

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 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian Customer Service, I hope this letter finds you well. I am writing to formally request the immediate deletion of certain items from my consumer credit report that I believe have not been properly investigated. 

I have recently learned that the Consumer Financial Protection Bureau ( CFPB ) is suing Experian for conducting sham investigations. This matter has raised serious concerns about the integrity of the investigations into my credit report. I believe that the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not been appropriately reviewed, as I provided substantial proof that was either overlooked or not adequately considered during your investigation process. 

Given the circumstances, I kindly ask that you conduct a thorough re-evaluation of these items. If it is determined that the investigations were insufficient or that the information is inaccurate, I request the immediate deletion of these items from my credit report. 

Please confirm the receipt of this request and inform me of the actions taken regarding my consumer report. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your cooperation. 

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 2025-01-16 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX - {$1800.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$23000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: NC

Complaint narrative:
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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In early XXXX, I experienced a frustrating issue with Chase Bank regarding their XXXX service. I frequently used XXXX for various transactions without any problems, but suddenly, Chase restricted my access to the service without any explanation. This unexpected closure was a significant inconvenience, as I relied on XXXX for personal and professional transfers. 

Around the same time, I mistakenly sent a payment through XXXX to the wrong recipient. The amount was substantialseveral XXXX dollars, potentially close to {$1000.00}. As soon as I realized the error, I contacted Chase and XXXX support to report the issue and request a reversal. However, I was informed that since XXXX transactions are instant and final, they could not retrieve the funds unless the recipient agreed to return them, which they did not. 

Despite multiple follow-ups and attempts to resolve the situation, I was left without the money and no clear explanation as to why my XXXX service had been deactivated. The lack of transparency and resolution has left me deeply dissatisfied, and I hope this matter can be reviewed to prevent similar issues for others in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
This is a follow-up regarding CFPB complaint # XXXX. On XX/XX/2025, XXXX XXXX XXXX of Optum Bank contacted me and assured me that he would reach out to the claims processing department to investigate why my claim remains " pending. '' He explicitly stated that he would provide me with an update by XX/XX/2025. 

As of today, XX/XX/2025, I have not received any follow-up from XXXX XXXX, despite his promise. I attempted to contact him directly on XX/XX/XXXX and XX/XX/XXXX, leaving detailed voicemail messages both times, including my phone number. However, I have received no response or acknowledgment. 

Notably, XXXX XXXX voicemail does not indicate that he is out of the office, which makes his lack of follow-up even more concerning. 

Unfortunately, this is not an isolated incident but rather consistent with a broader pattern of behavior by Optum Bank representatives. They routinely fail to honor their commitments, offer endless excuses for delays, and, in my experience, appear to use these tactics to avoid paying legitimate claims.

It is unacceptable for a financial institution to treat its customers this way, and I hope the CFPB can assist in holding Optum Bank accountable for its behavior. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

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, l was charged fees due to lagged posting of charges and credits.Tgis issues align with the recent CFPB findings against Navy Federal for similar practices, where transactions set 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 2025-01-16 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: WA

Complaint narrative:
There are errors in the way some accounts are listed on my credit report, and this has caused an unnecessary drop in my score.

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
About a year and a half ago I was scammed out of a little over {$1000.00} through Zelle due to a job scam. I was avidly trying to get a XXXX XXXX XXXX XXXX and these people fronting as a company sent fake checks in order to purchase the equipment for me to work. If ZelleXXXX  XXXX XXXX had the proper safeguards at the time it could have been caught early or even prevented. XXXX did eventually catch on to the fraud, but by that point I was scammed out of over {$1000.00}. They ended up putting me on a payment plan and claimed they see this scam all the time, but had no safety features in place yet ( which seems like an oversight ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Milestones change the interest rate. Know matter what amount I paid on time the interest rates increased. I called on XX/XX/XXXX to close the account. I didnt have a problem never paying on time.know progress of seeing a decrease. Had XXXX XXXX XXXX. This company stress me for the last time. Credit line of {$700.00}. New bill statement XX/XX/XXXX {$800.00}. I talked with an agent on XX/XX/XXXX issues was not resolved. Please email XXXX or call XXXX this company taking advantage of consumers. Very disappointed never was late on any of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XX/XX/year> I could not access my Capital One checking account online as it said " We ran into a snag trying to retrieve your account details, but we're working on it. '' On XX/XX/year> I still could not access my account and I called the Capital One phone support. The Capital One representative told me she could not access my account and did not know when the issue would be resolved. It has been over XXXX hours that I do not have access to my account/money. I can't see it, I can't spend it, I can't access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: SC

Complaint narrative:
Spoke to several customers representative about my balance not matching what was actually available causing my account to be overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This with NAVY FEDERAL CREDIT UNION XX/XX/XXXX, I was trying to purchase something for my daughter in school and saw my Navy Federal XXXX card was declining. I opened my mobile app and saw " multiple '' transactions from XXXX XXXX XXXX XXXX NM. I didn't know where it was at, until I XXXX the location. 
XX/XX/XXXX, the gave me a provisional credit for {$890.00}. 
I was suppose to look out for an eMessage from the bank to answer more questions. 
I received a regular email, stating that they will betaking my provisional credit. Because by XX/XX/XXXX. 
XX/XX/XXXX, I called the bank and the said they sent me an eMessage, but the young lady did not see it neither. So she sent the to me and told me my account should be fine and nothing wouldn't get deducted. 
XX/XX/XXXX, my account was ( XXXX )., from there I have gotten all kind of stories which I will attach. 
I've called everyday to the fraud department, it seems like " XXXX '' has been responding to me. 
XX/XX/XXXX, I have received another denial letter for my appeal. I called, and no one could tell me anything about my denial. I send an eMessage requesting it. They told me it was sensitive information they can not share with me. 

XX/XX/XXXX, I printed all eMessage from the bank and also filed a police report. 

All in all, I never been to the state New Mexico. 
XX/XX/XXXX & XXXX i was in GA for an graduation ( I've provided my airline receipt ) XX/XX/XXXX i was at XXXX XXXX XXXX while my card in New Mexico was being used ( receipt is on my bank statement ) XX/XX/XXXX I was at work XXXX in the morning ( i sent my work schedule and paycheck stub ) XXXX looking for someone to represent me and also writing to CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-16 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: FL

Complaint narrative:
I am writing this 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeal offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: VA

Complaint narrative:
I am writing to express serious concerns about Zelles handling of data security and dispute resolution processes, particularly in light of the recent CFPB lawsuit, which revealed critical shortcomings in the platform. As a frequent user of Zelle, I have reported multiple discrepancies, only to be informed by both Zelle and my financial institution that investigating these issues or tracking the transactions was not feasible.

The CFPBs findings suggest that Zelle has failed to implement adequate protections against data breaches and fraudulent activity, allowing repeat offenders to exploit systemic vulnerabilities. This negligence has not only put users financial information at risk but has also undermined trust in the platforms ability to safeguard sensitive personal data. The lack of transparency and accountability in addressing these risks raises serious concerns about Zelles commitment to consumer safety and data protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

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 and ultimately due to the non sufficient funds my account was closed and now its in my credit. 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 2025-01-16 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 submitting this complaint regarding Zelles mishandling of a dispute involving money that fraudulently transferred from my account. Despite my repeated attempts to resolve the matter, Zelle failed to provide any meaningful follow-up, formal response, or compensation. After initially reporting the unauthorized transfer, I was assured that the issue would be investigated, but no updates were ever provided. Each time I called to inquire about the status of the dispute, I was met with delays and vague assurances that someone would get back to me, which never happened. This lack of accountability and customer service has caused significant frustration and financial distress. I am requesting that the CFPB intervene and improves its dispute resolution process to prevent similar issues in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CO

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's 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. I was a victim to these scams, and when I sent the money to the scammers, not once was there a warning telling me to make sure this was going to the right person.

Company response to consumer: Closed with explanation