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

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I had several transactions that were not taken care, And despite reporting these Discrepancies to both Zell and my financial institution. I was turned around and told that theres nothing that either one of them can do. That neither Zelle, nor my financial institution is now responsible for my lost funds. I unfortunately lost thousands of dollars on three different transactions, of one of which I will post with photos showing proof. I hope in the light of all this, I myself and others will be able to receive compensation for what we have lost.

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: IL

Complaint narrative:
I am writing 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 tracking 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern 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: TX

Complaint narrative:
I am writing 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 impossible and that tracking these transactions was infeasible. 
The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant problems with the platform. Dispute using ZELLE numerous of 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 infeasible. The CFPBs findings has indicated 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: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well they werent helping at all with Zelle They are always charging a XXXX dollar fee i didnt know about

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes in light of the CFPB lawsuit highlighting significant issues with the platform. In XXXX XXXX  {$450.00} was sent to an unknown account. When I attempted to report and dispute the incident to Zelle, I was notified that they were unable to provide me with support for the claim and informed me that recovering lost funds was impossible and tracking the transaction was unfeasible. The CFPB 's findings indicate that Zelle has not only failed to protect customers but leaves them susceptible to scams. The lack of transparency and accountability 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: CT

Complaint narrative:
I am writing 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 properly. The CFPBs findings indicate that Zelle has not protected consumers and has allowed repeat offenders to exploit the system without consequence. The lack of accountability raises concerns for 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: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Using XXXX money was sent to the wrong person an no refund was given wells fargo stated that I sent the money an that they could not stop or correct the transaction. XXXX stated the same thing they closed the account an stated that I owed them the balance took it from my savings put me on a payment plan. It was horrible.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle account was hacked and {$1000.00} was removed from my XXXX XXXX savings account.this person also added themselves as a recipient on my account and changed the credentials to my online banking with XXXX XXXX. I called the company that same day and they couldnt pull up details of the transaction to prove that it was not me. All they did was help me change my credentials.

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: NE

Complaint narrative:
Im formally writing to express my concerns regarding Zelles handling of dispute particularly in light of the recent lawsuit. This is extremely unprofessional. Zelle has failed to investigate my claim accurately. Zelle has neglected me as a customer and I know multiple other

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: MO

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.

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 I was recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. 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: CA

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion.

Details of the Complaint : - **Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Social Security Number ( last four digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX **Background : ** On XX/XX/XXXX, EQUIFAX deleted the following information from my credit report : DELETED. This deletion was based on this item was removed from your credit report. Please review your report for the details...

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EQUIFAX has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion.

**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products.

**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that [ XXXX XXXX XXXX XXXX ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EQUIFAX regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint.

I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA.

Sincerely, XXXX XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion.

Details of the Complaint : - **Name : XXXX XXXX XXXX XXXX **Date of Birth : XXXX - **Social Security Number ( last four digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : ** On XX/XX/XXXX, EQUIFAX deleted the following information from my credit report : DELETED. This deletion was based on this item was removed from your credit report. Please review your report for the details...

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EQUIFAX has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion.

**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products.

**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that [ XXXX XXXX XXXX XXXX ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EQUIFAX regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint.

I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA.

Sincerely, XXXX XXXX XXXX

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 filing a complaint regarding an issue with Zelle, where I was a victim of fraud due to the lack of a proper warning about verifying the recipient 's information before sending funds. At the time of the incident, Zelle did not display a clear warning asking users to make sure this is the right person youre sending funds to ''. This was a critical oversight that led to a significant amount of fraud during this period.

Fraudulent Transaction : The total amount of the transaction exceeded {$5000.00}, and the funds were sent to multiple individuals and businesses that I do not personally know or recognize.

After completing the transaction, I realized that the recipient was not who I intended to send money to, or I was scammed by a fraudulent party.

Actions Taken by Me : Upon discovering the fraud, I immediately contacted my bank to report the issue.

The bank informed me that, since the transfer was authorized via Zelle and the recipients information was entered correctly, there was nothing they could do to reverse the transaction.

I also contacted Zelles support, but they were unable to assist in reversing the transfer or offering a refund.

Outcome and the Missing Warning : I was told that my bank could not help because there was no mechanism in place to stop the transaction, even after I realized the fraud had occurred.

Zelle later added the warning about verifying the recipient before sending funds. This change was made XX/XX/year>. However, I was affected by fraud before this warning was in place.

Additional Comments : The lack of this critical warning caused widespread issues for many users during this period, leading to a rise in fraud and unauthorized transfers.

It seems that Zelle recognized the need for the warning after a significant number of fraud incidents occurred and that my situation is part of this broader issue.

Please note that this complaint is being filed because the lack of a proper warning during this period left users like myself vulnerable to fraud, and the response from my bank was insufficient to resolve the issue. ''

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.

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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling 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 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 — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I want to file a complaint against Chase Bank customer service of a claims department. I made a claim XX/XX/XXXX then my girl XXXX XXXX XXXX sent the wrong amount of {$600.00} to my Chase banking account and I have called Chase And spoke to a customer representative of the claim department and told and asked her if she could send the money back. I also explained to the lady that my account was in the negative, but she said that was OK and she still went through with the claim and the next day of XX/XX/XXXX. The claim was approved and the funds was taken right back out my account and it was supposed to be sent to back to XXXX XXXX XXXX XXXX XXXX  account so now when I get off the phone with them today, they telling me that all we have reversed it and the funds are coming back and you need to tell your girl that she owe you the money so all I want is my money but if I have to take them to court so I can get my money back from a transaction that was mistakenly sent to my account that has nothing to do with 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: CA

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 which raises serious Concerns about consumer safety.

Company response to consumer: Closed with explanation