vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Lil' Wave Financial, Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding a wrongful charge for force-placed insurance by Superior Loan Servicing on my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX with Loan Number XXXX. Despite multiple written requests, emails, and confirmations of receipt, Superior Loan Servicing has failed to reimburse me for the erroneous charge of over {$2200.00}, even after confirming that I had valid insurance coverage at the time. 
Summary of the Issue : 1. My loan was paid off in XX/XX/year>. I provided all required documentation verifying that my own insurance was in place before they force-placed their own policy. 
2. Superior Loan Servicing acknowledged receipt of my documents multiple times and confirmed via email on XX/XX/year>, that the refund process takes 90-120 days post payoff. 
3. No additional requirements were communicated to me at that time, and I was advised to follow up after 60 days. 
4. Despite repeated follow-ups, I have received no response, no refund, and no explanation for the delay. 
5. My insurance agent, XXXX XXXX of XXXX XXXX XXXX has independently confirmed that all required policy information, proof of coverage, and payment receipts were submitted. 
6. This ongoing delay appears to be a bad faith practice designed to avoid refunding consumers, despite the company 's documented error. 
Requested Resolution : Immediate reimbursement of the $ XXXX erroneously charged for force-placed insurance. 
A formal response from Superior Loan Servicing within 10 business days explaining the delay and confirming the exact reimbursement date. 
An investigation into XXXX XXXX XXXX practices regarding force-placed insurance, as I suspect this may be a pattern of misconduct affecting other borrowers. 
Given the lack of response from Superior Loan Servicing, I am requesting immediate regulatory intervention to ensure compliance with fair lending and mortgage servicing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Capital One is holding my transferred funds, I initiated a transfer XXXX XX/XX/year>, I received a confirmation of funds transferred, then a message stating they were fixing a third party problem, another confirmation of funds transferred and I have received XXXX of it, and it is taken from the capital one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 ). 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 inconveniences and loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing 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 and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
Ive had Navy Federal for a while now and from the time I started until now I have received overdraft fees based on them showing one amount and then when I charge my card turns out I didnt have that amount at the time. I have had this over 15 times since Ive had my acct and its pretty stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 to 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report. This entry is both incorrect and unjustified, as I have an official letter from the court clearly stating that this bankruptcy should not have been reported. The courts documentation confirms that the bankruptcy does not meet the criteria for inclusion on my credit file, making its presence not only inaccurate but also a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

To make matters worse, this situation has been further complicated by the involvement of an unauthorized third party. Their unauthorized role in this issue raises serious concerns about the integrity of my credit file and the processes involved in reporting such information. This adds an unnecessary level of stress and urgency to the 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 non-monetary relief
Consumer complaint received 2025-01-20 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:
Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I'm filling 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 2025-01-20 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: NJ

Complaint narrative:
I am writing to formally file a complaint about 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 having sufficient funds. I believe these actions are deceptive and unfair this occurred over the period of 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Someone used my account in Georgia I live in Maryland. Money was sent to wrong account reported no resolve. Money doesnt always go to right account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
Im filing a complaint against Cash App ( Block , Inc. ) due to inequity 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 an 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 address for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is in reference to a complaint I filed with the Consumer Financial Protection Bureau XX/XX/scrub> 2024. The complaint ID is XXXX Below is my original complaint, sent on XX/XX/year>2024 : " I went online and requested that Chase close my savings account. This was done on XX/XX/scrub> 2024. The next morning I checked and realized Chase closed the wrong account. They closed my checking instead of savings account. I called them to complian and they it was to late to stop the closure, and I would receive the {$1200.00} that was in the checking account in the mail in 7-10 business days. The money did not arrive so I contacted them again. This time the told me that I could go to a local bank and they could give me my money. I went to a local bank and the banker said it was to late and I could not get my money from them. Then I recieved a call from a Chase representative who said it looks like my money was taken by someone other than Chase and I would need to file a complaint. He transferred me another department and that Chase representative said that the prevoius rep gave me the wrong information, and my money was with the Chase National Closing Team. She said she didn't have the contact number but maybe a manager at a local branch could reach out to the National Closing Team to see when and how I would recieve my money. Today is XX/XX/scrub> 2024 and I have still not recieved the {$1200.00} XXXX that Chase owes me. '' Chase responded to my complaint with a form to complete and fax to them to get my money. I did everything I was supposed to do. I even have a copy of the Declaration of Lost Cashier 's Check. And I still don't have my money. That was over a month ago. I've been waiting since XXXX XXXX, 2024 to get my money. Do something CFPB! This is ridiculous. I have to file a complaint about a complaint that was never resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service, which violates 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 air, resolution and requirements under the Electronic Transfer Fund Act ( ETFA ) 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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2025 I went to book a flight with XXXX. As part of that process, the Citi card was advertised as being able to receive up to {$400.00} statement credit on this flight and an additional XXXX loyalty points. 

I filled out the application, and had to wait to see if it was approved. I received an email the next morning saying I'd been approved for a line of credit. At that point, I looked for how to use the card to book the flight. I discovered that Citi is only sending physical cards, there is no electronic card like there is with some other banks. This means, it will be up to 10 days before I receive the card. 

I first contacted XXXX XXXX. They directed me to Citi. The person I spoke to at Citi on XXXX XXXX, 2025 confirmed my understanding that I would not be able to use the card as it had been advertised. At that point, I explained the only reason I had opened the card was to take advantage of that offer. I asked to close the card and he said the system will not allow that for another 4 days. I explained that because the advertisement was deceptive and unfair, and led me to open a card I otherwise would not have opened, that I would be filing a complaint with the CFPB. The representative then said he agreed with everything I had just said. At that point, I also thanked him for sharing his agreement that this practice is illegal. The representative again confirmed he agreed with 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 explanation
Consumer complaint received 2025-01-20 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: TN

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 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 2025-01-20 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 have a navy federal and Ive been with them since the time span of the surprise fees with opps. I used to tell them my money was missing but they used to say their processing was accurate.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: PR

Complaint narrative:
Unauthorized charges totaling {$720.00} applied to my credit card over the past three months for Google Ads services. Despite my communications and their subsequent investigations, I maintain that I did not initiate or authorize any advertising campaigns through Google Ads, as my promotional activities are conducted exclusively via XXXX platforms. 
Their recent correspondence indicates that a Google Ads specialist found no signs of unauthorized access, deeming the expenditures legitimate. I firmly dispute these findings. As a meticulous professional, I have not engaged in any Google Ads campaigns, nor have I authorized any such expenditures. The absence of unauthorized access does not preclude the possibility of internal errors or fraudulent activities that may not be immediately apparent. 
Furthermore, I did not receive any notificationsvia email or other meansregarding these charges or the initiation of any advertising campaigns. This lack of communication prevented me from identifying and addressing the issue promptly, exacerbating the situation.

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 2025-01-20 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: CT

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 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Information was stolen as well as funds due to Cash Apps inability to have a live agent to handle complaints.

Company response to consumer: Closed with explanation