vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: UT

Complaint narrative:
XXXX XXXXXXXX VA Home Loan Guaranty Program legally binding mutual contract agreed terms and conditions of VA loan signed between Veteran XXXX XXXX and XXXX XXXX XXXX identified in court records as XXXXXXXX XXXX with XXXX XXXX located in XXXX loan signed in State of Utah XXXX. On or about XXXX, XXXXXXXX XXXX unlawfully bypassed VA loan terms-violated VA loan transfer legal requirements-failed to notify VA or seek " approval '' from VA Home Loan Guaranty Program federal government officials as required by CFR 38 that protects veterans loan from predatory lending practices by lenders under RESPA & FDCPA Acts, dis in fact defraud both Federal government and Borrower XXXX, did deceptively transfer VA loan to another predatory XXXX XXXX  XXXX Act violators-criminal organization who was also " unapproved '' to possess and or assume transfer of VA loan by LAW, repeatedly began a pattern of misconduct-lawlessness that nullified-breached ( 16 counts ) the VA loan ( raised rates, etc. upon Veteran making a XXXX down payment to principle, Lender identified as Planet Home Lending placed his home into default status and began wrongful illegal Grand theft to foreclose on the account- XXXX eventually took the matter to small claims court and won his settlement XXXX this action sparked defendants-smug Billionaires Mob to retaliate with at least 7 different attorneys to attack veteran, hired their previous attorney ( now a judge in the case ) and essentially countersued him in XXXX XXXX XXXX on or about XXXX XXXX XXXX compelled to appeal his case through a corrupt and absent appellate court to Utah Supreme Court Justices, who heard all oral arguments, reviewed the evidence and produced a " REMAND COURT ORDER '' on XXXX, commanding-directing lower court review the case and provide Appellant an XXXX impartial legal review. '' of veterans appeal, allow him to exercise his " appeal as of Right '' Lower courts informally " overruled '' Supreme Court ORDER, abandoned Constitutional LAW and court rules, refuse to investigate consumer law violations and judicial misconduct leading veterans to now appeal his case to federal level agencies with jurisdiction to resolve grievances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 to formally express my concerns regarding XXXX 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
I am filing a formal complaint regarding inaccurate information reported on my Experian credit report. Despite my repeated efforts to dispute these inaccuracies directly with Experian, no action has been taken to address my concerns or provide proof of an investigation. Accounts in Question : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  ( installment account ) XXXX XXXX ( revolving account ) XXXX XXXX XXXX XXXX Actions Taken : XXXX. XX/XX/year> : XXXX sent my first written dispute letter to Experian, requesting an investigation into the above accounts. I clearly outlined that the information being reported is inaccurate and requested : Proof that an investigation was conducted. Verification and documentation proving the accuracy of the reported information. A deletion of the accounts if verification could not be provided. XXXX. XX/XX/year> : I sent a follow-up dispute letter reiterating my request for a reinvestigation, verification, and correction or deletion of the disputed accounts. I also restated my demand for proof that the reported information was accurate and properly verified. Experian 's XXXX of XXXX : To date, Experian has not provided any documentation or correspondence to confirm that an investigation or reinvestigation was conducted. Additionally, I have not received proof that the reported information is accurate, as required under the Fair Credit Reporting Act ( FCRA ). This lack of action and communication violates my rights as a consumer and has caused undue 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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 2025-01-19 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 writing to formally express my concerns about Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite having used Zelle numerous times, I have encountered discrepancies that I reported to my financial institution and Zelle. Unfortunately, my claims were not adequately investigated. I was informed that recovering lost funds and tracking these transactions was not feasible, which left me feeling unsupported as a consumer. 

The CFPB 's findings reveal that Zelle has failed to implement sufficient measures to protect users from scams, allowing repeat offenders to exploit the system. This lack of accountability and transparency is deeply concerning and raises serious questions about the platform 's commitment to consumer safety. 

I urge Zelle to take immediate steps to address these issues by improving its dispute resolution processes and strengthening its fraud prevention measures. Consumers deserve a reliable and secure payment system that prioritizes their protection and trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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. ) 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 redres

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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 XXXX seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MN

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My vehicle was totaled and paid off by insurance in XXXX. Within the last year Ally Auto has been trying to say I owe money on this vehicle that has not been my responsibility for the last almost 4 years. No word from them after insurance paid the car off and I received a pay off letter. But all of a sudden after 3 years go by they said I owe money, and I've been dealing with it for pretty much ayear now. After months of trying to figure this issue out, it was finally discovered and disclosed to me by an Ally Auto associate via phone call last month that they had caught a mistake made by a different associate around the date of my accident ( XX/XX/XXXX ). The mistake was this : Ally Auto received a check to apply to an account. This check was not sent in by me and was not supposed to be added to my account. Unfortunately the Ally Auto associate did not carefully read the account number and accidently added the payment to my account, even though it was sent in by another party for their own account. In the meantime, my vehicle was totaled. Ally Auto got the payoff amount for my account and set it to XXXX. XXXX appraised my vehicle to be worth more than what I owed so they paid the vehicle off in full. With no additional responsibility to me. However after XXXX paid this vehicle off Ally Auto had caught their own mistake, and instead of owning up to their own mistake and speaking with the employee who made the mistake of putting a payment into the wrong account, they decided to just take the amount out of my account after it was confirmed to be paid off and proceeded to try to say I needed to pay it. This is wrongful, not legal, and not to mention extremely unprofessional. I am sorry an Ally Auto associate made a huge mistake and costed the company, but that is not my responsibility. That is the responsibility of Ally Auto due to their own associate messing up. This issue needs to be resolved or the only option I will have is to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: IN

Complaint narrative:
I have used Zelle for 5 years and starting in 2023 Ive noticed that money was getting send to people and Ive lost over {$500.00} in transactions and it hasnt been resolved. After the money was taken from my bank wasnt available to be connected to Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-01-19 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: NJ

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 2025-01-19 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 writing to complain about Cash Apps failure to take timely and effective measures to prevent address fraud on my account. Despite reporting the issue, the response was delayed and inadequate, allowing the fraud to continue and causing financial loss. This failure to address the matter promptly and effectively may violate the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ), which require financial institutions to safeguard consumers against unauthorized transactions and resolve disputes in a timely manner. I request an immediate investigation, a reversal of any unauthorized transactions, and improved fraud prevention measures. If the issue is not resolved promptly, I will escalate my concerns to the appropriate regulatory authorities for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have tried a few times to resolves this, but now I have spoken to a Consumer Law Ofc. 

DISCOVER BANK has charged off an account and NEVER provided me with a COPY of the 1099C, for me to WRITE-OFF as INCOME to IRS. 

DISCOVER BANK wrote the account off as a PROFIT LOSS. 

DISCOVER BANK constantly has been Repeating to place on my CONSUMER REPORT with ALL ( 3 ) CREDIT AGENCIES ( XXXX, XXXX XXXX XXXX ). 

Claiming I still owe the balance, even though DISCOVER BANK took a TAX BREAK. 

If DISCOVER BANK does NOT provide me a copy of the 1099C for the WRITE-OFF.

I will SUE for STATUTORY DAMAGES in ( 30 ) days and I will also REPORT this to IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) 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 Exquifax, 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 Exquifax 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 Exquifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am filling a complaint Against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. S. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB Take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation