vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: OR

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Someone sent a payment using Zelle but the payment was then cancelled and i didnt receive it and so Its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/XXXX : applied via XXXX with a digital application to change my Income Driven Repayment Plan to the Income-Contingent Repayment Plan ( ICR ). 
XX/XX/XXXX : Received an automated correspondence from MOHELA, my loan servicer, that they received my ICR application. 
XX/XX/XXXX : Emailed MOHELA requesting an update on my ICR application, and that I be moved into a processing forbearance to qualify for up to 60 days of PSLF credit. Never received a response. 
XX/XX/XXXX : Has been over 10 business days since MOHELA received my ICR application, and my loan has still not been put into a processing forbearance.

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 — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: WA

Complaint narrative:
My account was permanently closed on XXXX XX/XX/year>, for a mobile digital wallet with business named Skrill, Inc. 

They didn't provide any reason and said that I violated the terms and conditions. Upon checking on it. I found I had not violated any of there terms and conditions. 
1. ) A had 2 accounts, as there vip member they allow a person to hold two accounts I requested them to reverify me and open the account but they didn't and said my account will be closed

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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I closed my American Express XXXX XXXX XXXX XXXX XXXX last year in XX/XX/year>. Six months later, on XX/XX/year>, American Express charged me {$50.00} for a promotional credit adjustment because I received a credit for an item that was refunded as defective. I may understand such a chargeback in the month following account closure, but not six months later.

I called and chatted American Express to ask them to uphold their credit and not charge me the {$50.00}, but they refused. They also said that if I do not pay, interest will accrue and it will be reported to the credit bureaus as a late charge, even though it is a chargeback fee for a promotional credit and I closed my account over six months ago. 

Please help me get American Express to remove this {$50.00} fee so I do not have to take further action.

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: NC

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. 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 2025-01-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally address ongoing errors and unresolved concerns regarding my consumer report managed by Experian. These issues have caused significant inconvenience and have yet to be resolved despite my efforts to seek clarification and corrections. 

Unverified Information : The information reported on my consumer report, particularly regarding [ specific item or account details if known ], remains inaccurate and unverified. No written explanation or documentation has been provided by Experian to justify the inclusion of this information. 
Failure to Obtain Consent : I have identified instances where inquiries and reporting activities were conducted without my explicit written or verbal consent. This raises serious concerns about the compliance of these actions with legal and regulatory standards. 
Lingering Inaccuracies : Despite previous attempts to dispute these inaccuracies, the errors continue to affect my consumer report and, consequently, my financial reputation. I have yet to receive confirmation of investigations or any written correspondence outlining the status of these disputes. 
Given these concerns, I request the following actions : Immediate investigation into the inaccuracies on my consumer report. 
Written explanations for all items in question, including evidence of verification processes. 
Removal of all unverified or unauthorized entries. 
Confirmation that Experian has taken corrective measures to prevent such occurrences in the future. 
Please treat this matter with urgency, as these issues are adversely impacting my ability to access financial services. I expect a written response within 30 days as mandated by federal law. 

Thank you for addressing this matter promptly. I look forward to your swift resolution and detailed response. 

without prejudices by XXXX XXXX on Behalf of 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In XXXX XXXX XXXX I filed a dispute of an inaccurate Bankruptcy on my Credit Report with Experian and requested it be DELETED. Experian replied that the item was verified thru a 3rd party vendor XXXX XXXX which gets there information form the Bankruptcy Courts as accurate I then in XX/XX/year> contacted the original furnisher the Bankruptcy XXXX and they replied and firmly stated that they do not independently verify the accuracy of information filed in cases in our Court with any XXXXredit Reporting Agency nor 3rd Party Vendor I then asked for a reinvestigation on XXXX of 2024 Experian replied that the item was verified thru a 3rd party XXXX XXXX which gathers there information form the Courts as accurate Which we know is not true Experian has failed to fulfill its Legal obligation under the Fair Credit Reporting ACT ( FCRA ) TO CONDUCT reasonable reinvestigation of disputed information on my Credit Report leaving inaccurate or unverified BANKRUPTCY account unresolved The CONSUMER FINANICAL PROTECTION BUREAU ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my CREDIT STANDING I AM REQUESTING immediate corrective action to remove the disputed account as Experian inaction violates Federal Law and my rights as a consumer.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing.

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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unable to access the paycheck and deposits on the Capital one account. When called, Capital one kept on line for more than 15 minutes and finally disconnected. I can not access my paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: ID

Complaint narrative:
I am filing a complaint against Aldous & Associates P.L.L.C., a law office representing XXXX XXXX, for persistent and potentially unlawful debt collection practices. 

They have been calling me multiple times a week from different phone numbers, which has caused significant stress and inconvenience. Most recently, I spoke with a representative who informed me of my account balance and asked whether I could pay with a card or check. I explained that I am currently unemployed and unable to set up a payment plan at this time. 

The representative then informed me that they report to credit bureaus and implied that my credit score might be negatively affected if I do not resolve the debt. This statement caused undue pressure and distress, as it could be interpreted as a threat or coercion, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692d ).

The FDCPA also restricts frequent and harassing calls ( 15 U.S.C. 1692c ( a ) ( 1 ) ), and their repeated calls from varying numbers appear to violate this provision. Additionally, the Fair Credit Reporting Act ( FCRA ) requires accuracy and fairness in credit reporting. Threatening to report the debt without clarifying the timeline or process may constitute a violation of these standards.

I request an investigation into Aldous & Associates P.L.L.C.s practices to ensure compliance with the FDCPA and FCRA. I also request confirmation of whether this debt has been reported to credit bureaus and a cessation of harassing calls.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Bureau : Experian Reported the below accounts which are results from identity theft : The Fraudulent Accounts are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, Account number # XXXX / Opened : XX/XX/XXXX / Balance : {$720.00XXXX XXXX XXXX XXXX XXXX, Account number # XXXX Opened : XX/XX/XXXXXXXX  / Balance : {$34000.00} XXXX XXXX XXXX XXXX XXXX, Account number # XXXX Opened : XXXXXXXX  Balance : {$5500.00} I contacted Experian via phone, and online to dispute the fraudulent accounts various times. I submitted my police report, Ftc report, identity affidavit, a utility bill, and personal identification-id/social security card via online, and certified mail. They verified they received it. 

The accounts are still showing on my credit report.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: NV

Complaint narrative:
Flagstar stated in complaint # XXXX that my loan was sold to XXXX XXXX, although I accused Flagstar of retaliation for submitting a complaint to CFPB. Since XXXX XXXX has taken over we have received further abuse in this loan management with changing payment amount amounts, companies, and payment addresses. Although we have proof that all mortgage payments have been cashed by the places we were told to sent them which again has been a moving target for XXXX consecutive months and you will see that in all previous complaints, sometimes XXXX different statements instructions for the same mortgage payment month, XXXX XXXX sent us a notice of foreclosure. It wasnt until speaking with my bank that I learned Flagstar BANKS with XXXX XXXX and therefore if XXXX XXXX is a servicer to Flagstar operating under XXXX, than why is XXXX being assigned as the servicer under XXXX XXXX? FRAUD! 

This is not our first mortgage but it apparently is theirs. We are seeking legal counsel to have our loan absorbed by the courts while we pursue this legally. I have attached all the confirmations from my bank that all mortgage checks were indeed cashed by the various entities claiming to be responsible for this loan, as well as the slew of paperwork we have received since XXXX XXXX took over this loan, allegedly. 

You may refer to Case IDs XXXX, XXXX, & XXXX for all of the correspondence with XXXX and my new complaint filed against XXXX XXXX -all of which will be handed to a lawyer.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
my credit score was be affected. By this data breach. And information about me

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: MD

Complaint narrative:
My Zelle was deactivated without my consent. No explanation was provided. Money was transferred without my consent via XXXX XXXX XXXX XXXX. XXXX XXXX has since closed my account without my consent. I had contacted Zelle and Zelle could not provide an explanation as to why my account was disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
include account dates, account dollar amount actions that you tried to already take.

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: 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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: Other transaction problem — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the CFPB lawsuit highlighting significant issues with the platform

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: TN

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 for consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I used Zelle from my chase app and they had the mobile number of the my known contact given to someone else! The money was never received bby the intended person and zelle never gave me my money back. They are ok with others using other peoples info to make zelle accounts.

Company response to consumer: Closed with explanation