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

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred and the loss of my account. Despite having the sufficient funds when the transaction was 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. I believe these practices are unfair and request an investigation into my account.

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: DC

Complaint narrative:
I am writing to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB action that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have had a Capital One 360 Savings Account for years. This account advertised high market base interest rate which I received. Without notice, they dropped the rate to a very, very low rate. I called and they said that I need to open/transfer to a new account type to receive the current high market rate. They would NOT credit my account for past interest.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I wrote to each of the Consumer Report Agencies ( TransUnion, XXXX, and XXXX ) and told them that they were breaking the law by putting my private accounts into Public Record and I wanted them deleted. I also gave them my correct name and address because they had incorrect information. At that time, I also expressed that I did not have any CHARGE-OFF 's or Collections because each company settled the accounts and the rest of the money was filed on my taxes as personal income, but they kept it on my report. I wrote them again, but this time I sent it certified mail ( I have the stubs with the receipt numbers on them ). I expressed at that time that they and the furnishers were breaking the law by reporting CHARGE-OFF 's on my report. I cited 15 USC 1681a ( 2 ) ( i ) because the accounts were, by law, not debt, but personal income ( once each company gave me a 1099-C and I reported it on my taxes ) ; 15 USC 1681s ( 2 ) a ( 1 ) A because the Consumer Reporting Agencies are a third party and I never gave my written permission to have the furnishers report my information to them. In the third letter dated XXXX XX/XX/XXXX, ( I also reiterated that they put my personal information into Public Record and although it was removed from Public Record, they reinserted it into my consumer report. I just want this matter solved and my honor and reputation restored.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I wrote to each of the Consumer Report Agencies ( XXXX, Equifax, and XXXX ) and told them that they were breaking the law by putting my private accounts into Public Record and I wanted them deleted. I also gave them my correct name and address because they had incorrect information. At that time, I also expressed that I did not have any CHARGE-OFF 's or Collections because each company settled the accounts and the rest of the money was filed on my taxes as personal income, but they kept it on my report. I wrote them again, but this time I sent it certified mail ( I have the stubs with the receipt numbers on them ). I expressed at that time that they and the furnishers were breaking the law by reporting CHARGE-OFF 's on my report. I cited 15 USC 1681a ( 2 ) ( i ) because the accounts were, by law, not debt, but personal income ( once each company gave me a 1099-C and I reported it on my taxes ) ; 15 USC 1681s ( 2 ) a ( 1 ) A because the Consumer Reporting Agencies are a third party and I never gave my written permission to have the furnishers report my information to them. In the third letter dated XXXX XX/XX/XXXX, ( I also reiterated that they put my personal information into Public Record and although it was removed from Public Record, they reinserted it into my consumer report. I just want this matter solved and my honor and reputation restored.

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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2025, I closed my business account with XXXX XXXX  in XXXX, Virginia, and transferred the funds to personal account with XXXX ( can't electronically transfer XXXX XXXX XXXX ) and transferred {$3100.00} to a new business account opened at Capital One Bank in XXXX, Virginia. 

Today, I received an email from Capital One stating : " Dear XXXX XXXX, " We have suspended your XXXX BANK, Checking ending in ... ... XXXX for use with External Transfers. 
" Please contact us at XXXX to review the reason for the suspension and the process to potentially re-activate the account. 
" Sincerely, " Capital One Online Banking Team '' Called the number and they had no answer to the reason and nature of this XXXX email with a whiff of spam about it. 

I suspected it was that I had closed the XXXX account but then I looked at my Capital One account balance - {$0.00}! 

Capital One Customer Protection said XXXX XXXX  does not participate in their External Account Transfer, advising me to call XXXX XXXX  to get verification information, but " XXXX '' could ( would ) not tell me what that information would be. 

XXXX fruitless calls to XXXX XXXX XXXX  XXXX netted a connection with the local branch manager who had no idea what is going on and said she's get back to me with information. Waiting.

Hours have passed on the telephone with Capital One and XXXX, and I am not an inch closer to finding the whereabouts of my money. 

Called Capital One Customer Protection ( XXXX ) ( excessively long hold time ) this time, after another long wait time, I was told the External Transfer account was closed today and the funds would be held 15 days from XX/XX/2025 ( three days after the transfer was made ) before being acknowledged. 

The reason, according to Capital One, is that they telephoned XXXX XXXX  to verify the transfer ( huh? ) but XXXX XXXX  refused " to verify accounts to third parties. '' There was no written alert sent to me about any such actions, or inactions. 

The XXXX XXXX XXXX called back to report that the funds were transferred to Capital One ( on XX/XX/2025 ) and anything holding up the funds is all on Capital One Bank. 

In the meantime, this consumer is left spinning, wondering where my money is, overwhelmed by misinformation and distractions, all combined with refusals to answer questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: KEYCORP
State: OH

Complaint narrative:
about XX/XX/year> an unauthorized charge was discovered, key bank latitude master card credit card. key would not investigate as claimed and refused to look at or consider all my information to verify it was a fraudulent charge, key advertises zero liability for this but then refuses to give it when needed. key used 2 different non existent and made up false reasons to deny the claim saying they had proof from the merchant that i acknowledged the terms and conditions yet what was sent was a invoice that showed no such thing and a typed 3 sentence note on a blank page not signed by anyone and no company letterhead to prove it was from any such company and did not even state any such terms and conditions or that i agreed to any. In a separate file or something that was illegally done the investigator put a different reason in the database as to the reason for the denial claiming i admitted participating in the auction ( even though i never was at it ) and that i agreed that the dispute was filed correctly by the rep and reason was fine the way it was, neither of which was true or accurate. the charge was pushed through peak by an administrator -which usually only handles corporate accounts, and did not have the correct city listed for my address and should have been rejected and not authorized as it was not my legal or verified address. i sent in proof that i didn't even have an account plus many other proofs and key refused to accept them or upload them into the case files. The false statements in the bank database as told to me by the XXXX Ohio office which is false and different from the reason on the letter i received from the XXXX, NY office which was also false and made up with no proof at all and shows something illegal going on with it.

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent money to a friend through email in XXXX and put the wrong letter. The friend didnt recieve the money so i called the bank and the told me I could get it back because theres nothing they couldve done. The lack of service and not being able to return money after a simple mistake was unacceptable. They shouldve confirmed the email first and if that email didnt exist then they shouldve cancelled it but the lack of service was unacceptable. This had happened back in XXXX or XXXX. Of the amount of more than {$50.00} I believe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. 1. US DEPT ED XXXX XXXX. US DEPT XXXX 3. US DEPT XXXX, 4. US DEPT ED XXXX XXXX. XXXX XXXX XXXX XXXX. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX  XXXX XXXX XXXX, IL XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLOWING ACCOUNTS NEED TO BE REMOVED MUTUAL CR XXXX XXXX US DEPT ED 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 2025-01-15 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: MI

Complaint narrative:
Ive been with navy federal since XXXX and been charged overdraft fees. From my understanding theres a lawsuit pending for XXXX federal customers

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AE

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 the lagged posting of charges and credits. This issue aligns with the current CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient 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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IN

Complaint narrative:
I got a few text message from XXXX XXXX, a debt collector regarding XXXX XXXX XXXX  XXXX XXXX XXXX - for which the current creditor is Jefferson Capital Systems LLC . They want me to click on a link. However, I believe this is a scam. 
My credit report has been frozen for years and this is not showing on my credit report. 

I did unsubscribe Online I see several complaints from other consumers claiming they don't have this debit, but they try to bully people into paying.

Company response to consumer: Closed with explanation
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: TX

Complaint narrative:
I am writing to file a complaint against Navy Fedral 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 align with the recent CFPD findings against Navry federal credit union for simulate 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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I started receiving billing statements from American Express on a card I never received, I called on XX/XX/XXXX to cancel since I had no idea where the card ended up. I live in a rural area in Alabama and sometimes receive other peoples mail and figured my mailing had ended up in someone elses mailbox or lost. I had extended conversations on XXXX & XXXX with American Express thinking each time we had it resolved to only get another billing statement the next month. They told me I had 30 days to cancel the card and I clearly explained that I was unaware the card application had been approved since I never received the card and was told that it was my responsibility to get the card not theirs.I called back on XXXX XXXX and spoke with XXXX different American Express representatives and clearly explained the situation, I didnt receive the card or any benefit from the card and to clear this charge. Kept receiving billing statements and called American Express again on XXXX XXXX and spoke with American Express representative and AGAIN explained the circumstances and situation and was told they would look into again and for me to call back in XXXX weeks. This has been going on since XXXX with a Company I have had a card in good standing with since XXXX, they have not sent any responses and have told me to call back to check on any resolution. I am a XXXX XXXX XXXX man who takes any bill very seriously and take pride in paying for services rendered, in this case no service or benefit was ever rendered. I applied for this card back XXXX XXXX and NEVER received it, only called because I started receiving billing. Really disappointed in a company that I have been doing business with since XXXX in how unprofessional they have been and are trying to force a bill on me that I didnt receive a card or benefit from!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-15 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: MD

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 issues 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: 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: TX

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 inaccurate items despite the submission of clear evidence Ive provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violets 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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX has consistently refused to remove a dispute when I requested

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX has consistently refused to remove a dispute when I requested

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