vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: NC

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 Navy Federal for similar practices where transactions settled with insufficient balances despite initialy available funds. I believe there 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 2025-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX stole {$1200.00} from me. After I moved out they continued to send to me invoice logs that were incorrect. I corrected them multiple times to tell them that debt was not mine. They continue send me invoice logs with different amounts due. I gave them my lawyers information multiple times and they failed to reach out to him or his office. they falsely added things onto the invoice that were not accurate and when I requested the documents to prove the charges were incorrect they failed to send them over. They then sold my private information, including my contact information to HunterWarfield debt collectors and gave them permission under my name to contact me via phone and email. they failed to personally send any notice that this false debt was going to be sent to collections. They failed to respond with accurate information regarding the debt they are claiming is mine. XXXXXXXX XXXX XXXXXXXX also charged me for having a valid and registered XXXX, which is illegal in XXXX, although the proper documentation was provided to them for the animal. XXXXXXXX XXXX XXXX tried to charge me for the cleaning services that they are legally required to provide in-between tenants. XXXXXXXX XXXX XXXX attempted to charge me for a stove top that was broken due to no fault of my own and they failed to replace it for 3 months until I threatened legal action due to it being unusable. They failed to ever send a notice that I would be charged for this and I was unaware until after I moved out of unit and they sent me a long fraudulent invoice. XXXX XXXX who is a property manager at XXXX XXXX XXXX took my ability to pay online away after I had been paying that way for 2 years. She then continued to charge me late fees due to having to pay via money order and multiple locations not being able to consistently provide money orders. I also travel for work and I did not have a bank where I was able to take out all of the cash required for the money order due to ATM restrictions. This was communicated via email to XXXX and XXXX multiples times. They failed to fix the option for online payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
i sent {$40.00} as payment for a few plants i was buying, but it turned out to be the wrong person. I tried to cancel the payment and get my money refunded, but i was denied and was told nothing could be done since it was my mistake. It only took me a couple of minutes to realize it was sent to the wrong person..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Hunter Warfield for Violations of the FDCPA Dear CFPB Representative, I am writing to file a formal complaint against Hunter Warfield for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I believe their actions have caused unnecessary stress and harassment, and I request that your office investigate these matters.

Below, I outline the specific issues : 1. Incorrect Amounts and Misrepresentation of Debt Hunter Warfield Account XXXX XXXX XXXXXXXX has reported incorrect balances owed. This appears to be a violation of 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits the false representation of the amount, character, or legal status of any debt. Additionally, they have failed to provide verification of the debt upon request, as required under 15 U.S.C. 1692g ( b ).

2. Harassment Through Excessive and Untimely Calls Hunter Warfield representatives have contacted me multiple times before 8 a.m. and after 9 p.m., in clear violation of 15 U.S.C. 1692c ( a ) ( 1 ), which restricts communications to reasonable times. Furthermore, the frequency of calls constitutes harassment, violating 15 U.S.C. 1692d ( 5 ), which prohibits repeated or continuous calls intended to annoy, abuse, or harass.

3. Failure to Provide Full Disclosure During phone conversations, Hunter Warfield representatives failed to identify themselves properly and disclose that the calls were a
ttempts to collect a debt, as required by 15 U.S.C. 1692e ( 11 ).

4. General Harassment and Intimidation The tone and tactics employed by Hunter Warfield representatives have been intimidating, in violation of 15 U.S.C. 1692d, wh
ich prohibits any conduct that is intended to harass, oppress, or abuse any person.

I request the following actions from your office : 1. Investigate Hunter Warfields violations of federal law.

2. Ensure Hunter Warfield ceases communication with me regarding this debt until they have provided valid verification.

3. Require Hunter Warfield to update or correct inaccurate information regarding the debt. 

Enclosed are supporting documents, including call logs, correspondence, and evidence of discrepancies in the debt amount. 

Thank you for addressing this matter promptly. I am confident the CFPB will uphold its commitment to protecting consumers like myself from unlawful debt collection practices. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I ask XXXX to investigate but havent did they job to Verify and insure all data are reporting from this account is accurate.need clarification as to why XXXX didnt investigate the information on my credit report. Please review the following Account Name : XXXX XXXX XXXXI Account NAME. 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 2025-01-16 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: VA

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times, Zelle and my bank failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. The CFPBS findings indicate that Zelle not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

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 dues to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint to make corrections to the personal information reporting on my Trans Union credit report. There are several addresses that do not relate to me. My only address is XXXX XXXX XXXX XXXX, NJ XXXX. Any other address does not relate to me and should be permanently deleted from my credit report.

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 2025-01-16 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: CA

Complaint narrative:
I noticed some serious mistakes on my credit report related to specific accounts that arent being reported accurately. This is directly affecting my credit score and causing unnecessary financial strain.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX owns the CitiBank charge off currently being reported on my credit report in error. This charge off does not belong to me and is causing harm

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 2025-01-16 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: LA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Zelle Payment To Whom It May Concern, I am writing to formally file a complaint regarding an issue I encountered with a Zelle transfer initiated through my XXXX XXXX account. Below, I have outlined the details of the incident, the actions I have taken to resolve the matter, and my requested resolution. 

Details of the Incident : I sent {$1500.00} via Zelle through my XXXX XXXX account to what I believed was a trusted contact. Unfortunately, I later discovered that I had been misled about the recipient 's identity. The transfer was made under the impression that the recipient was someone I knew, but it turned out to be a case of mistaken identity or potentially fraudulent deception. 

Actions Taken : Upon realizing the error, I immediately contacted Zelle customer support to request assistance in reversing the transaction or recovering the funds. Unfortunately, Zelle informed me that they were unable to take action or provide any resolution in this matter. 

I also attempted to reach out to XXXX XXXX customer service to explore potential remedies. However, I was informed that because Zelle transactions are treated as authorized payments, no recourse was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 express my grave concerns regarding Zelles alarming failure to address disputes effectively, especially in light of the recent CFPB lawsuit exposing critical flaws in the platform. Despite my repeated use of Zelle and my diligent efforts to report discrepancies, both my financial institution and Zelle failed to investigate my claims thoroughly. I was informed that recovering lost funds was deemed impossible and that tracking these fraudulent transactions was unfeasiblea response that is both unacceptable and deeply troubling. 

The CFPBs findings highlight a systemic neglect of consumer protection, allowing repeat offenders to exploit Zelles vulnerabilities unchecked. This not only jeopardizes the trust of users but also exposes countless individuals to avoidable financial harm. The lack of accountability and safeguards against scams must be addressed immediately, as the current system fails to prioritize the safety and rights of its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 2025-01-16 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: AZ

Complaint narrative:
I am writing to file a complaint again 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 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 2025-01-16 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: CO

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficent 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 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX : I put in a consumer purchase protection claim on my credit card requesting that Chase bank refund a stolen TV item that was purchased using the card. Previously, I had attempted to receive refund from XXXX XXXX ( the XXXX party vendor who sold me the product on XXXX 's website ), and they confirmed that they would not provide me a refund on XX/XX/XXXX because the item was successfully delivered. I uploaded this confirmation document to the consumer protection portal along with credit card statement showing the purchase ; a police report dated XX/XX/XXXX that showed the item was stolen upon delivery ; and an itemized sales receipt. 

On XX/XX/XXXX : After uploading all required documents as requested, the claim was denied by the claims adjustor XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The reason stated in the denial letter was that " the loss is covered by another policy or program. '' However, this reason is erroneous, because I had already sought refund from the XXXX XXXX XXXX XXXX through XXXX 's website FIRST before going through consumer protection, and this was validated in the Chase portal. I then called customer service specialists at XXXX XXXX separate times to request that claims adjustor reach out to me since this was a valid method of addressing the denial referenced in the letter. Each time, whether it was the XXXX customer service specialists I spoke to or the supervisor, they told me that the claims adjustor would give me a call. XXXX, the claims adjustor, still has never given me a call. I sent an email as requested to XXXX on XX/XX/XXXX asking the claims adjustor to call me. It still didn't work. The supervisor I called on XX/XX/XXXX, who left me on hold for several minutes, said that the claims adjustor would give me a call shortly, and then hung up on me without even letting me respond. You could check recorded call logs and it would prove this out. 

Not only was the claim inappropriately denied, but the customer service and claims adjustor never addressed any concerns after I provided them all necessary documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ). They failed to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and also failing to adequately notify consumers of disputed outcomes. These failures to comply was not aligned with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I have provided. This has caused ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates the 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: EDvantage LLC
State: FL

Complaint narrative:
I applied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and during the application process, the advisor XXXX XXXX made several promises to me. He assured me that, despite not being fluent in XXXX, I would be able to complete the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) program. I expressed my concern about my lack of fluency in XXXX and specifically asked if the school provided support for international students. During our meeting, he informed me that XXXX offered support for international students. 

When classes began, and I started taking exams, I faced difficulties completing all the questions within the time allocated by the university. I sent emails and spoke with the XXXXXXXX XXXXXXXX, requesting additional time to complete the exams, but my request was denied. No support for international students, as promised, was ever provided. 

Additionally, XXXX of the university professors shouted at me in the hallway for no reason. I had left his class to speak with my advisor about the challenges I was facing with the exams and the lack of support. This professor followed me into the hallway and began yelling at me in front of other students and university staff. I reported this incident to the university administration and requested to withdraw from that professors class. The university allowed me to withdraw from the class without additional costs and assured me they would take action regarding the professors inappropriate behavior. However, no action was ever taken. 

After these events, I decided to withdraw from the program, but the university is now trying to charge me for the class I had withdrawn from due to the professors misconduct. Another breach of contract by the school was related to class sizes. The contract specified that there would be XXXX students per class, but there were over XXXX students in each class. 

I believe the school failed to fulfill its contractual obligations and misrepresented its support for international students. Additionally, the school failed to address the misconduct of its staff and created an environment that was not conducive to my education or well-being.

Company response to consumer: Closed with explanation