vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
My Chime debit card had been compromised with a charge that I didn't recognize. I disputed this charge & a new card was mailed out to me. I changed my direct deposit to XXXX XXXX while I waited for the new debit card. When I received my new card. I switched my payroll direct deposit back to Chime. On XX/XX/XXXX my check was deposited and all monies advanced to me through Chime was paid back to Chime in full. XXXX total amount had decreased to {$220.00}, and the amount available to me was {$20.00}. But on XX/XX/XXXX the amount available to me was {$1.00}. I first chatted online with them about this and was told that the amount available was lowered to {$1.00} because I missed one direct deposit in the entire year that I have been with Chime. I understood why the amount was lowered, I was inquiring about the amount it was lowered to. I was then transferred to a live agent where I was told that the system just needed to refresh. XX/XX/year>, the amount that was available to me was {$8.00}. I called Chime customer service again and was repeatedly told that the amount was decreased because one of my payroll checks was not direct deposited with Chime. I kept saying that I understood why the amount available was lowered but I didn't understand why the amount was so low. XXXX service will not allow a withdrawal for less than {$20.00}. XX/XX/XXXX, the amount available to me was {$16.00}. I called Chime customer service again to inquire about the amount available to me. I was once again told that one of my payroll checks was not direct deposited with Chime and that's why the amount was lowered. I again explained that I understood the reason for the decrease but why was it decreased to an amount that I can't even withdraw. I expressed that I had bills to pay and that I had no food and needed gas in my car. The agent began to say again that the amount of XXXX was decreased because one of my payroll checks was not direct deposited with Chime. I interrupted the agent and told him that that's all anyone is saying. But no one is saying why the amount available to me is so low that I can't even withdraw it. I was then told to just wait 24 hours and the amount would probably increase to an amount that I could withdraw. On XX/XX/XXXX, I was finally able to withdraw {$23.00}. Not one person representing Chime offered me any help with this problem. They just kept repeating that the amount of XXXX was decreased because one of my payroll checks was not direct deposited with Chime. I stated that this was not fair and it felt as if I was being punished for trying to protect my money by switching my direct deposit to XXXX XXXX while I waited for my new Chime debit card to arrive in the mail. XX/XX/XXXX was the last contact I had with Chime and told them that they could keep the money and I will just bank with someone else.

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: AR

Complaint narrative:
( Block, Inc. ) due to inadequate customer service, and unfair practices, which violates the Consumer Financial Act ( CFPA ), Cash App failed to take timely and effective measures to prevent fraud 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
identify you and your account. 
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 proce 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am reaching out to express my concerns with Zelle and the handling of Zelle disputes.particularly in the light of the recent cfpb lawsuit highlighting significant issues with the Zelle platform.despite using Zelle numerous times and reporting discrepancies my financial institute failed to properly investigate my claims. They informed me that recovering the lost funds was impossible and tracking these transactions was unfeasible. The Cfpbs finding indicate that Zelles have not only neglected to protect its consumers but also let repeat offenders exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TN

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated 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 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 XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX University 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 six 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 70,000 students across campuses in 26 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 of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. 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 American Dream, 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 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: AZ

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.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: FL

Complaint narrative:
I am filing a complaint against Cash app due to an adequate customer service and unfair practices, which violate the consumer financial protection act. 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. The actions have caused significant inconveniences and financial loss, and I seek appropriate redness for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Media Collections, Inc
State: FL

Complaint narrative:
I am filing this complaint against Media Collections , Inc. DBA XXXX XXXX XXXX XXXX XXXX for their blatant and egregious violations of my rights as a consumer. Despite sending a cease and desist letter to this company on XX/XX/year>, they continue to harass me and my family members, often before XXXX XXXX, with threatening, rude, and offensive language. This behavior is not only unprofessional but also illegal. 

I demand that the CFPB intervene immediately to investigate this companys actions, including obtaining recordings of their calls, as they have refused to comply with the law. They are violating the cease and desist order, and legal action is forthcoming if this harassment does not cease. 

I have no knowledge of the alleged debt they are attempting to collect, and despite repeated requests, they have failed to provide any proof of their authority or legitimacy to collect this supposed debt. I have formally requested the following items from them, and they have failed to respond within the legally required XXXX timeframe : A written agreement with their client granting Media Collections , Inc. the authority to collect this alleged debt.

A Forward Flow Agreement regarding this account. 
A signed agreement between myself and this company, or verifiable proof that I have a contractual obligation to pay them. 
Any agreement bearing my signature showing I agreed to pay the original creditor. 
Confirmation of whether any insurance claims have been made by a creditor regarding this account. 
Confirmation of whether any judgments have been obtained by a creditor regarding this account. 
Furthermore, I request the name and address of the bonding agent for Media Collections , Inc., as this information is necessary for the legal actions I intend to take. 

Their refusal to provide the requested documentation, combined with their harassment, strongly suggests that this company operates in bad faith. I demand that the CFPB hold this company accountable for their illegal practices and ensure that they are penalized for their blatant disregard for consumer protection laws. 

This companys actions are beyond unacceptable, and I will not tolerate further harassment or abuse from their representatives. Please investigate this matter urgently and take appropriate enforcement action.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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: 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: NY

Complaint narrative:
I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the XXXX federal trade commission that the mention account and collection are the results of identity, death and fraud.

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: NY

Complaint narrative:
I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the XXXX federal trade commission that the mention account and collection are the results of identity, death and fraud.

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: NC

Complaint narrative:
XX/XX/2024 I had accidentally sent money to an account for {$2000.00} on CashApp. It was meant to be sent to my friend. I had selected her username before I sent it. After the transaction went through, the name on the account was different. I requested a refund and contacted Customer Service that night. They werent available the first time. The next time I contacted was XX/XX/XXXX and they said they couldnt do anything because the transaction had already gone through. 

XX/XX/2024 I had also tried sending my money to my friends partner because the other transaction wasnt sent to her account. They showed me that they hadnt received the money on their end but it was taken out of my account. Requested a refund from CashApp and they told me the next day as well that it couldnt be fixed.

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: CA

Complaint narrative:
I am filing a complaint against cash app block inc because of inadequate customer service and unfair practices. which violate the consumer financial protection act. cfpa. .Specifically cash app failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Their dispute resolution process was difficult, unfair, unresolved and deceptive. as they did not comply with error resolutions or requirements under the electronic fund transfer act EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate action 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. 
Accounts XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX {$23000.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2700.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$3700.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$7400.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2300.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$2300.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$1800.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$3600.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$3900.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$3800.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX {$930.00} Inquiries XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report.

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with non-monetary relief