vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I had my XXXX XXXX XXXX repossed by Capital One in XXXX of XXXX and since that date Capital One was required to do all of the following : The lender must provide me written notice of your right of redemption and ( or ) right of reinstatement. It must tell me : - the amount of the outstanding balance of the loan, including all fees and charges- the deadline to redeem the loan- the method by which you can redeem or pay off the loan to get the vehicle back, and if your state allows for the right of reinstatement, the amount necessary to bring the loan current, and the steps you need to take to reinstate that loan. 
- Notice of Sale The lender was also required to send written notice if they intended to sell the vehicle. This notice was also not sent to me.

The notice should have contained the following information : 1. If the car is being sold at a private sale, the date of the intended sale 2. If the lender intends to sell the car at a public auction, it must notify you of the time, date, and location of the auction ( which allows you to bid on the property or bring your own bidders ).

3. An explanation of your liability if you owe a deficiency balance after the sale 4. How I can get an explanation of the proceeds of the sale are applied to your debt obligation 5. How I can get an explanation of how the lender calculated your debt obligation, and contact information to find out more information about the upcoming sale. 
6. Notices After my Car was Sold 7. They must explain how the sale proceeds were applied against my debt in this order : reasonable costs and expenses of repossessing, storing, and disposing of the vehicle, along with reasonable attorneys ' fees ( if the loan agreement allows them ), and the balance of the loan.

Capital One failed to do each one of the requirements outlined above and when I called to inquire about the repossession in attempt to fix the issue Capital One told me verbatim " There was nothing they could do ''. 

Not only did they not allow me the opportunity to resolve the issue they also did not provide me with any of the information stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Dakota Financial, LLC
State: CA

Complaint narrative:
Dakota Financial is in direct violation of XXXX  XXXX XXXX and federal consumer laws by assigning force placed insurance onto a leased vehicle I acquired with them. 
According to California XXXX XXXX XXXX a lender can apply force-placed insurance ; however, there are legal requirements that must be met prior to implementing force placed insurance : Dakota Financial ( here forth lender ' ) must provide written notice, allowing the customer a chance to prove they already have insurance. 
The lender must explain the terms, cost, and reasons for the placement of the insurance. 
The insurance cost is clearly disclosed and must not be exorbitant or unreasonable. 
They did not comply at all by FAILING to provide any notice to alert me to the action. They did not add it to my monthly invoice or even send me any request for proof of insurance, which I had the entire time that they overcharged me. I asked them to provide any proof of notice, and they had none. They charged me for over 6 or more months for additional insurance related fees per month. I had no knowledge of these fees because instead of being upfront and sending me notice or an invoice for the additional fees they stated they decided to just put it to the back of the lease again without any notification to me. I am supposed to be paying off this truck in 2 payments and now they are saying I must pay an additional {$4000.00} in insurance fees that again I had no knowledge of. I have attempted to resolve this issue with Dakota Financial however they are ignoring the legal requirements set forth to protect consumers from these back door / cloak and dagger assignment of fees while causing substantial financial harm to consumers but financial gain to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Navy Federal Credit union overdraft lawsuit, I am affected by it and would like back payment for any wrong doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
I HAVE SENT SEVERAL LETTERS SINCE XXXX REQUESTING A COPY OF THE SIGNED APPLICATION WITH MY SIGNATURE. THE COMPANY HAS NOT PROVIDED THIS INFORMATION THEY ARE IN VIOLATION OF THE FCRA LAWS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Money taken from my balance Scammed by others and companies XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have another case open this is a add on to my current situation. I found out this past week that my account had been frozen since XXXX for somthing that happened in XXXX. They also breached the contract because i never recieved a email, call, or letter in the mail. They put my XXXX on hold for fraud, which i have all of the information of where each dollar has come from. They put it on hold for a {$1000.00} check. I have had this account since XXXX. Below is a photo of most of where my money came from. I believe this bank has put a hold on my account to help pay thier funds to the lawsuits that they are currently going through which is avaiable on the office of public affairs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
I am writing to express my concerns regarding XXXX handling of disputes in recent light of the CFPB lawsuit highlighting major issues with the platform. Despite me 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 were unfeasible. The CFPB findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat 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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have tried to result this matter and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I deposited a check XX/XX/year> and still have not received funds for it. It says its been deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: Westlake Services, LLC
State: FL

Complaint narrative:
I have found errors in current report from XXXX XXXX XXXX act # XXXX. I need to fix issues that's impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IN

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 2025-01-21 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: IN

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 2025-01-21 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: IN

Complaint narrative:
XXXX XXXX I am 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 has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are decpetive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-21 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: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
SOMEONE WAS ISSUED A CREDIT CARD FROM XXXX XXXX IN MY NAME. {$650.00} HAS BEEN USED ON THIS CARD AND NOW I HAVE NEGATIVE INFORMATION ON MY CREDIT REPORT. I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT IN MY NAME. TRANS UNION, XXXX AND XXXX HAVE ALL REPORTED THIS INCORRECT INFORMATION ON MY CREDIT REPORT. 15 USC 1681 STATES THE RIGHT TO PRIVACY AND PROPER USE OF MY CREDIT REPORT. PLEASE HELP ME.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Good morning. 

Background : ProCollect, out of XXXX, XXXX XXXX  XXXX ), is the collection agent for XXXX XXXX XXXX XXXXXXXX ( XXXX ), an apartment complex we rented from the Summer of XXXX to the Summer of XXXX. 

XXXX Acct # : XXXX XXXX XXXX XXXX Unit Rented was XXXX We received a correspondence dated XX/XX/XXXX from ProCollect, in which they attached a statement of account from a client XXXX XXXX XXXX XXXX XXXX XXXX  claiming an attempt to collect a debt. There is no debt. They have only provided us with a statement of account from XXXX XXXX XXXX XXXX That is NOT an invoice that would require XXXX XXXX XXXX XXXX to show the actual damages they are back-billing to us. In fact, XXXX XXXX XXXX XXXX has NEVER provided us with an invoice showing proof of damage or itemized costs for damages ( pictures, description, etc ). 

As such, we are assuming this debt is either a mistake or fraudulent. 

We have documented over XXXX calls to XXXX XXXX XXXX XXXX  in an attempt to get a true copy of an itemized bill for damages, which would include pictures and descriptions as well as costs. We have NEVER received a returned call despite having left over XXXX email and telephone recorded messages. We ALREADY paid them {$300.00} for XXXX XXXX XXXX XXXX  damages on XX/XX/XXXX. 

Now ProCollect is harassing us over this debt, which they can not substantiate. 

We previously wrote ProCollect the following : I am writing in response to your repeated attempts to collect a debt for me, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, occupied from XX/XX/XXXX to XX/XX/XXXX. This debt has already been paid, as evidenced by the attached proof of payment ( receipt, bank statement, etc. ). 

Under the Fair Debt Collection Practices Act, I am requesting that you cease all collection activities regarding this matter immediately. 

If you believe there is still a balance due, I request that you provide written validation of the debt, including the original creditor, the amount owed, and a detailed breakdown of any remaining charges. 

Please be advised that if these harassing attempts continue, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau, my states Attorney General, and other relevant authorities. 

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I was checking my XXXX XXXX  account that I had paid in XX/XX/year> and saw that they had returned my payment but it wasn't on my banking acct. So I went back farther and I saw were the same thing happened in XX/XX/year>. I contacted my bank and they stated the money was never taken out. I then called XXXX XXXX and they stated they returned the money back into my acct, because XXXX XXXX had told them the account didn't exist. I've had this acct since XXXX of XXXX my acct had been compromised at least XXXX  times and they had me to come to the back for them to make me in house debit cards.

Company response to consumer: Closed with explanation