vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, my mortgage servicer, due to serious concerns regarding the accuracy and completeness of their accounting records, their failure to provide full loan documentation, and their unauthorized foreclosure actions against my property ( including improvements ). 

I have repeatedly requested a full and complete accounting of my mortgage loan, including both public and private ledgers, but XXXX XXXX has only provided a limited transaction summary of payments I have made. This does not constitute full loan accounting, which should include : All credits and debits, including deposits, withdrawals, transfers, and ALL assignments. 
All accounts associated with my loan, including custodian accounts. 
Securitization records. 
All executed XXXX XXXX XXXX XXXX submitted to XXXX XXXX ( as the investor ) from loan creation to present. 
All IRS tax forms, including Forms 1098 and 1099 ( A, B, C, OID, etc. ) related to my loan from inception to present. 
All Notes with the most recent endorsements, all fully executed assignment forms ( with endorsements ), and all security instruments. 
Despite multiple formal requests, XXXX XXXX has failed to provide this information, thereby obstructing my ability to verify the accuracy of their loan accounting and any potential mismanagement of funds. 

XXXX XXXX is currently attempting to foreclose on my home, but I believe they lack the legal authority to do so. My understanding is that the Note ( s ) was sold to a Trust, and therefore, XXXX XXXX nor XXXX XXXX are the true beneficiary of the Note ( s ) with the right to enforce foreclosure. 
Furthermore, my property is subject to homestead exemption protections, which prohibit foreclosure unless the lienholder has a legitimate claim. If XXXX XXXX and/or XXXX XXXX has fraudulently appointed Themself as the beneficiary of this exemption, this would constitute fraudulent misrepresentation and a serious legal violation. 
I need XXXX XXXX or XXXX XXXX to prove that the Note ( s ) ( including security instrument ) never held a monetary value, once signed by XXXX XXXX, at inception. XXXX XXXX or XXXX XXXX needs to prove the Note ( s ) ( including security instrument ) held the value and consideration of the transaction WITHOUT the signature of XXXX XXXX ( buyer ). XXXX and XXXX XXXX CAN NOT prove this because the maker of the Note ( s ) creates the value by signature. Therefore, the loan originator did not provide a loan but rather acted as a transfer agent between the buyer and The New York XXXX XXXX Federal Reserve XXXX ). 

- XXXX XXXX, XXXX numbers : XXXX and 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 2025-01-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
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 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 lagging posting of charges and credits. This issue aligns with the recent CFBP 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Cash App numerous times and reporting discrepancies, my financial institution and Cash App 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 Cash App 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 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was reviewing mg credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>

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: 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial 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 correction action to remove or amend the disputed accounts, as Experians 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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
FOR CARD 21001

EVEN WHEN SELECTING PAY NOW THERE IS TEXT THAT THE HOTEL WILL CHARGE THE DEPOSIT. PAY NOW IS SUPPOSED TO CHARGE VIA AMEX FOR 5X POINTS LIKE IT SAYS ON THE PREVIOUS SCREEN. THIS GLITCH CAUSED MY 2024 XXXX  XXXX  CREDIT NOT TO POST CORRECTLY. SEEMS TO BE HAPPENING FOR ALL BOOKINGS AT THIS HOTEL. PLEASE FIX AND MANUALLY POST MY CREDIT. 

THIS ISSUE IS WELL DOCUMENTED BY OTHERS HERE: XXXX

I HAVE A VIDEO OF THIS GLITCH AND CAN SHARE. I FOLLOWED ALL REQUIRED STEPS TO RECEIVE THE $200 CREDIT, BUT YOUR DIRECTIONS ARE INVALID AS SOME HOTELS CHARGE DIRECTLY EVEN WITH PAY NOW.

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: Early Warning Services, LLC
State: FL

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

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 ( 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with 15 USC 1681n, credit reporting agencies are obligated to ensure that all reported information is accurate and verifiable. In this case, the negative item in question has been reported across all three credit bureaus ; however, one bureau has already deleted the item, which demonstrates that it could not be verified. 

As this deletion confirms the inability to substantiate the validity of the information, it raises serious concerns regarding its accuracy on the other XXXX bureaus. Therefore, I am requesting that this item be removed from all remaining credit reports to ensure compliance with federal standards and maintain fair reporting practices. 

Please investigate the following negative items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was having problems with my email so I googled XXXX support and got the number off the website called them. They were looking through a few of my stuff. They said there was an active hacker in my account from overseas so we had to take care of some sites on my phone so we did open and shut this whatever called back and the guy said there was no record of me calling and we went through some stuff and he said I was hacked into. They took {$490.00}. Send it to XXXX XXXX XXXX without my permission through XXXX. I called XXXX they didnt want to help me. I called the bank. They didnt wan na help me. They said that to them it didnt look like there was any bad evidence and there was Ive been fighting this since XXXX of XXXX last year and XXXX getting nowhere. I have XXXX data breaches on my account and my socials on the dark web because of all I will look

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX while I was driving w/ my XXXX son in the car the breaks to my XXXX XXXX XXXX failed. The car was able to be safely slowed to a stop. The car was towed to the dealership. The dealership stated that volvo

remotely installed a software update that was glitched which caused the breaks to fail while driving. I have requested that the company let me out of my lease due to my safety concerns w/ this vehicle and they have only stated they will give me a month off my lease.

Previous software issues include screen going black on multiple occasions. Safety alerts turning on when there is no safety issue is at hand. Air conditioner not turning on in 115 degree heat.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: MI

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 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I visited the Banana Republic store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and encountered what I now understand to be a deeply misleading sales practice. 

During my visit, an employee informed me of a promotional credit card offer that included an additional percentage discount on top of the ongoing promotions and a XXXX 0 % APR financing period. Based on this assurance, I decided to take advantage of what seemed like an excellent opportunity. I made a significant purchase of over {$3000.00} worth of clothing, which, after discounts, totaled approximately {$1200.00}. 

However, to my dismay, when I reviewed my statement a month later, I discovered that interest had been charged to my account. Upon contacting the credit card issuer, I was informed that the 0 % APR promotion did not apply to my account, and they claimed there was nothing they could do to rectify the issue. 

This situation is unacceptable. I was clearly misled into opening the credit card based on the promise of XXXX 0 % APR, which was a key factor in my decision to make such a substantial purchase. Once I provided my personal information to open the account, I was effectively locked in, with no recourse to reverse the decision. 

The sales practices I encountered at your store appear to prioritize employee commissions over transparency and honesty. Such tactics not only harm customer trust but also reflect poorly on the integrity of the Banana Republic brand.

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 monetary relief
Consumer complaint received 2025-01-20 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:
Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act to conduct reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as filing 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 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 2025-01-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have ask the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and Validation of debt Letter.

Company response to consumer: Closed with non-monetary relief