vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Hello, I am writing to express my concern regarding Barclays Mastercard and an unjustified late fee charge on my account. I recently noticed that a late fee was applied, despite my payment either not being late or being scheduled to process on the due date. This has happened more than once and I have to call and complain to have the fee reversed. 

To clarify, I had scheduled my payment for XX/XX/year> in accordance with the stated due date policy. Despite this, a late fee of {$29.00} was charged to my account. I have always made an effort to ensure my payments are timely and within the required timeframe. I called Barclays Mastercard and spoke with a rep and expressed how dishonest this is and why this happens. I was given a reason that made no sense that the fee gets added but then dropped after the payment post. I explained today is the due date and the payment in fact is already scheduled prior to any cut off time frame so the late fee is dishonest and unjust. The fee was removed but I should not have to call and do this monthly when I make on time payments. I now feel I have to comb through this account to ensure I have not been charged fees unjustly.

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 Zelles handling of disputes, partially 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 the tracking the 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 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:
Iam writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting signficant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately.They informed me that reccovering 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: 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: MS

Complaint narrative:
Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic 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'm requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
FCO debt collection company XXXX XXXX XXXX XXXX violate this ru l XXXX by purchasing a debt that is incorrect and chase me for repayment

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: 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 am writing to formally dispute the accuracy of several accounts on my credit report, as reported by creditors or collection agencies. These inaccuracies are damaging my credit profile, and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Furthermore, I urge you to ensure that the reporting complies with METRO 2 standards as set forth by the Consumer Data Industry Association ( CDIA ).

Accounts in Dispute RentDebt Automated Collections Account Number : XXXX XXXX XXXX Issue : Incorrect reporting of charge-off and inaccurate balance of {$730.00}. 
Discrepancy : The Date of First Delinquency ( DOFD ) is not established, potentially causing incorrect reporting duration. 
XXXX  Account Number : [ Insert Account Number ] Issue : The Charge-off was reported incorrectly as {$770.00} without proper substantiation. 
Discrepancy : Inaccurate DOFD and unclear balance calculation, including fees and interest rates. 
XXXX XXXX XXXX Account Number : XXXX Issue : Charge-off reported with a balance of {$11000.00}. 
Discrepancy : The account status and reporting of payments do not comply with FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : [ Insert Account Number ] Issue : Late payments and charge-offs were reported inaccurately. 
Discrepancy : Payment history does not align with the original creditors documentation. 
Specific METRO 2 Concerns Under METRO 2 guidelines, all data furnishers must ensure the accuracy of the following : Base Segment Field 25 ( Date of First Delinquency ) : Accurate DOFD is required to determine the appropriate reporting period.

Field Code 19 ( Payment Rating ) : Must accurately reflect the payment performance at the time of reporting.

Field Code 21 ( Special Comments ) : Must include any clarifications if the account was impacted by extraordinary circumstances, such as disputes or errors.

Compliance Condition Codes ( CCC ) : Ensure proper coding for disputes, charge-offs, and late payments to avoid misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts on my credit report, as reported by creditors or collection agencies. These inaccuracies are damaging my credit profile, and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Furthermore, I urge you to ensure that the reporting complies with METRO 2 standards as set forth by the Consumer Data Industry Association ( CDIA ).

Accounts in Dispute RentDebt Automated Collections Account Number : XXXX XXXX XXXX Issue : Incorrect reporting of charge-off and inaccurate balance of {$730.00}. 
Discrepancy : The Date of First Delinquency ( DOFD ) is not established, potentially causing incorrect reporting duration. 
XXXX  Account Number : [ Insert Account Number ] Issue : The Charge-off was reported incorrectly as {$770.00} without proper substantiation. 
Discrepancy : Inaccurate DOFD and unclear balance calculation, including fees and interest rates. 
XXXX XXXX XXXX Account Number : XXXX Issue : Charge-off reported with a balance of {$11000.00}. 
Discrepancy : The account status and reporting of payments do not comply with FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : [ Insert Account Number ] Issue : Late payments and charge-offs were reported inaccurately. 
Discrepancy : Payment history does not align with the original creditors documentation. 
Specific METRO 2 Concerns Under METRO 2 guidelines, all data furnishers must ensure the accuracy of the following : Base Segment Field 25 ( Date of First Delinquency ) : Accurate DOFD is required to determine the appropriate reporting period.

Field Code 19 ( Payment Rating ) : Must accurately reflect the payment performance at the time of reporting.

Field Code 21 ( Special Comments ) : Must include any clarifications if the account was impacted by extraordinary circumstances, such as disputes or errors.

Compliance Condition Codes ( CCC ) : Ensure proper coding for disputes, charge-offs, and late payments to avoid misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
WELLS FARGO CHECKING ACCOUNT NUMBER XXXX I FILED A FRAUD CLAIM FOR UNAUTHORIZED WITHDRAWALS AND PURCHASES IN MY CHECKING ACCOUNT FOR {$4000.00} .I CALLED CUSTOMER SERVICE TO REPORT THE INCIDENT THAT I LOST MY CARD AND SOME IDENTIFICATION WHICH IS MY ID. I'M WORRIED BECAUSE MY BIRTHDAY IS MY ATM PASSWORD I CALLED THEM TO IMMEDIATELY REPORT IT SO THAT THEY CAN LOCK IT. THEY SAID THEY WI 'LL TAKE CARE OF IT AND THEY WILL UPDATE ME WITH THE RESULT OF THE INVESTIGATION BUT INSTEAD OF FIXING IT THEY CLOSED MY ACCOUNT AND THEY SAID THEY DENY THE CLAIM BECAUSE THE REASON IS SOMEONE OR ME USED THE CARD TO DO THOSE PURCHASES .IT 'S JUST UNFAIR THAT THEY WILL JUST CLOSE THE ACCOUNT BECAUSE OF A CLAIM THAT WAS VALID. I ATTACH A COPY OF THE LETTER SAYING THEY ARE CLOSING MY ACCOUNT AND THE LETTER SAYING THEY DENY MY CLAIM

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I sent a Zelle payment to the wrong person a few years ago and was not notified that I was unable to get my money back once sent, it was a big amount of over {$2000.00} and the person was fraud. Zelle in the past, never had a is this the right person? Option and it was never expressed that the money could not be received back until after it was sent and I called my bank and they said there was nothing they can do.

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: AL

Complaint narrative:
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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Hiding the true cost of credit : Since XXXX, Credit Acceptances loan agreements nationwide have said that consumers would pay interest at an average 22 % APR. However, the true cost of credit offered is far higher than what borrowers are told. This is because Credit Acceptances business model pushes dealers to manipulate the prices of vehicles sold to Credit Acceptance borrowers, based on borrowers projected performance. This increases the principal balance of the loans. By hiding the true cost of the credit in inflated principal balances, Credit Acceptance evades state interest rate caps and deprives consumers of the ability to make informed decisions, to compare financing options, or to avoid high interest charges.Setting up borrowers to fail : Credit Acceptance ensured its own profits by providing loans without regard to whether borrowers could afford them. For almost 4 out of 10 loans, Credit Acceptance predicted that it would not be able to collect the full amount financed by the loan. Credit Acceptance profits even when borrowers are unable to pay their loans in full by using aggressive debt collection methods. As a result of Credit Acceptances practices, customers faced late fees, repossessions, auctions, post-repossession collection efforts, lawsuits, and ruined credit profiles.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I received my XXXX  analysis in early XXXX and my XXXX  payment increased by over {$500.00} per month. Upon reviewing the list of planned payments from the account in 2025, I noticed that the increase is due to them charging three times for hazard insurance at the full yearly rate. Specifically, there are three consecutive months of payments at the annual rate of approximately {$2500.00}. I reached out immediately and was told they would submit a ticket to fix the issue. I have called every month, multiple times a month and was told that they were conducting another analysis. In the meantime, I was required to make full payments starting in XXXX. I was granted a forbearance in XXXX until XX/XX/year>. To date, the issue hasnt been resolved and I am expected to pay the full amount after the forbearance expires. I cant afford to pay an extra {$400.00} a month for a clear error to be refunded a lump sum at the end of the year because I overpaid XXXX by nearly {$5000.00}.

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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I lost money that was sent via XXXX and the recipient never received it

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to request specific information regarding my account, [ XXXX ]. I am particularly interested in the following details I may be a victim of identity theft and trying to make sure this account is mine and accurate

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
**Subject : ** Dispute of Inaccurate Information on Credit Report under FCRA , TILA, and PAANL Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card, account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple over draft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: 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 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 customer safety.

Company response to consumer: Closed with explanation