vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : Cease and Desist Request Regarding Debt Collection To Whom It May Concern, This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and I hereby request that you cease all communication with me regarding this matter, except as permitted by law. 

Case law has affirmed my right to request the cessation of debt collection communications. In Daugherty v. XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir. 2016 ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication that is not expressly permitted constitutes a breach of my rights under federal law. 

Additionally, the case of Clark vXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 460 F.3d 1162 ( 9th Cir. 2006 ) reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights.

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly. 

Sincerely, XXXX XXXX

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Purchased a vehicle from XXXX XXXX around XX/XX/year> when the credit was ran, it was authorized for XXXX XXXX only due to my preapproval. The dealer went behind my back and ran my credit through multiple lenders without my permission after me being specific that I already have preapproval to XXXX  XXXX I would like these inquiries from JP Morgan to be removed. Yes, I did intentionally normally signed a credit application with these dealer, but only for my credit to be run through a specific lender, which was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one ) this account was paid in full XX/XX/year>. this account is not accurately reporting as paid on my credit bureaus.The amount paid was XXXX. Also the last 4 numbers of the account doesnt match the original creditors.

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: LA

Complaint narrative:
I am writing to formally raise my concerns regarding Zelles practices surrounding dispute resolution, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). The lawsuit underscores significant systemic failures that I have personally experienced, and I believe it is crucial that my situation be considered as part of a broader examination of Zelles operations.

Having used Zelle on multiple occasions, I encountered discrepancies and unauthorized transactions that I promptly reported to my financial institution and Zelles support team. Despite my efforts, both parties failed to conduct a thorough investigation or offer any meaningful assistance. I was informed that recovering the lost funds was impossible and that tracking or tracing the disputed transactions was beyond their capability. This lack of support has left me without recourse, as I am unable to reclaim my funds or understand the circumstances surrounding these transactions.

The findings highlighted by the CFPB are deeply concerning, revealing that Zelles platform has failed to implement adequate safeguards to protect consumers. Not only have they neglected to resolve disputes in a fair and transparent manner, but they have also allowed fraudsters to exploit the system, leaving countless users vulnerable to scams. 

I find it troubling that a widely used payment service like Zelle operates without providing sufficient protections or effective dispute resolution mechanisms. As a consumer, I feel that I have been left exposed to financial risk, with no clear path to recourse.

I respectfully urge your office to look into Zelles practices and take the necessary steps to ensure that they are held accountable for failing to protect consumers and resolve disputes effectively. 

Thank you for your attention to this important issue. I look forward to your response.

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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Over the last 20 years that I have had my mortgage with Wells Fargo, I have had them purchase insurance " on my behalf '' on multiple occasions, despite the fact I provided proof of insurance. For the record, the property in question is a condo and I could not allow insurance to lapse if I wanted. 

After I catch the error on Wells Fargo 's part, make a stink, spend hours of my dealing with their insurance department, they reverse the charge but it is only after I have lost a great deal of time battling with them. This XXXX after my insurance company and I both sent the required information and received verification from Wells Fargo that the information had been received, they again purchased a {$1200.00} insurance policy that duplicates the coverage I already have in place. If I had to guess, I would say this is the 5th or 6th time I have had to deal with this. According to my insurance agent, this happens all the time. I would appreciate it if the CFPB would get involved and advocate on behalf of those of us who have been cheated by Wells Fargo.

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: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I opened a checking account with Chase Bank on XX/XX/year>. I went in person to open it at the location at XXXX XXXX XXXX XXXX, XXXX, MN XXXX. On that day I deposited {$31.00} in cash with a bank teller ( see included Chase bank receipt ). Then on XX/XX/year> I deposited {$800.00} in cash with a teller ( see included Chase bank receipt ). I received a letter in the mail shortly after from Chase bank with instructions for setting up a direct deposit that included my account and routing number ( see included Direct Deposit Set-up Form ). On XX/XX/year> I brought a check from my employer to the Chase bank located at XXXX XXXX XXXX XXXX and tried to deposit it into my account. When I tried to do this, I was told by a bank manager that they could not cash my check as I was caught for bank fraud. They did not give me any more details. When I asked why my bank account was closed, they told me that they did not have to give me a reason for my bank account closure. 
I called the local Chase bank office at XXXX XXXX XXXX XXXX with the social worker at my building, XXXX XXXX, on XX/XX/year>. During that call they confirmed that the bank account was being closed and that they were mailing me a check for {$830.00} which was the money that I had deposited into my bank account. They stated that this check would come within 10 business days. For proof of this conversation see the letter written by XXXX XXXX. I received a bank statement in the mail from Chase bank for XXXX indicating my account number, my deposits into the account and a withdrawal transaction of {$830.00} on XXXX listed as XXXX  XXXX- Check Charge. For proof of this see the Chase bank statement. 
On XX/XX/year> XXXX XXXX and I spoke to XXXX at Chase bank as I had not received the {$830.00} check from Chase bank. We had called XXXX and pressed option XXXX to get ahold of him. XXXX stated that my phone number did not match their security information and that I would have to visit the branch bank to resolve this ( see letter written by XXXX XXXX ). I then called the local office at XXXX XXXX XXXX XXXX and was informed that I was not allowed to come back on to the premises. 
I want the check of {$830.00} to be given to me as soon as possible. Chase bank is not working with me to facilitate this and is making it difficult to access my money.

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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issuers 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 tracking these transactions were unfeasible. The CFBP findings indicate that Zelle had not only neglected to protect consumers but has 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: 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:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged due to lagged postings of charges and credits. This issue aligns with recent XXXX  findings against Navy Federal Credit Union for similar practices, where transactions settled insufficient balances despite initial available funds. I believe these practices are unfair and request and investigation into my accounts 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I made a transfer for {$2000.00} on XX/XX/year> to my cousin XXXX XXXX, confirmation # XXXX, phone # XXXX but that money went to a different person enrolled as XXXX XXXX phone # XXXX this thieve has a very similar phone number so I called to ask if they can XXXX  me the money back, but they refused. my cousin had the same phone number for more than 15 years and I have him in my contacts for about the same number of years, so I asked both banks chase and bank of America how could this had happened and if they can help me get my money back and they said they couldn't help me or explain how this happened.

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: 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 2025-01-15 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: MS

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: 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: TX

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, 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 or amend the disputed accounts, as Experian 's 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 2025-01-15 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: VA

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. I thought i was sending the money to my landlord. And it in fact was not him.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX has repeatedly denied my disputes, claiming the information is accurate, despite clear evidence to the contrary. I believe this conduct violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like XXXX have a duty to ensure the accuracy and completeness of the information they report. Specifically : 1. 15 U.S.C. 1681e ( b ) : This provision requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. By failing to adequately investigate my disputes and relying solely on the furnishers verification, XXXX has failed to meet this obligation. 
2. 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Court decisions such as Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) affirm that a superficial or automated reinvestigation process does not satisfy this requirement. Experians consistent denial of my disputes without proper investigation suggests a violation of this statute.

3. 15 U.S.C. 1681c ( f ) : The FCRA also prohibits reporting information that can not be verified. Given that XXXX continues to report incorrect information despite my disputes, it raises questions about their compliance with this provision. 

Negligence and Reckless Disregard Courts have held credit reporting agencies accountable for negligent or reckless behavior regarding the accuracy of consumer reports. For instance, in *Cushman v. TransUnion Corp. , 115 F.3d 220.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX has repeatedly denied my disputes, claiming the information is accurate, despite clear evidence to the contrary. I believe this conduct violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like XXXX have a duty to ensure the accuracy and completeness of the information they report. Specifically : 1. 15 U.S.C. 1681e ( b ) : This provision requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. By failing to adequately investigate my disputes and relying solely on the furnishers verification, XXXX has failed to meet this obligation. 
2. 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Court decisions such as Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) affirm that a superficial or automated reinvestigation process does not satisfy this requirement. Experians consistent denial of my disputes without proper investigation suggests a violation of this statute.

3. 15 U.S.C. 1681c ( f ) : The FCRA also prohibits reporting information that can not be verified. Given that XXXX continues to report incorrect information despite my disputes, it raises questions about their compliance with this provision. 

Negligence and Reckless Disregard Courts have held credit reporting agencies accountable for negligent or reckless behavior regarding the accuracy of consumer reports. For instance, in *XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX : I was scammed out of a purchase from an individual who wanted me to use XXXX and I have never used the app before. I lost out on {$230.00} and when I went to my bank they could not do anything about it and stated that there was nothing they could do to resolve this.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 2025-01-15 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: LA

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