vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
Date : XX/XX/XXXX Complaint Against Debt Collector XXXX XXXX XXXX I am writing to file a complaint regarding a debt collection issue with XXXX XXXX XXXX. I believe I am being subjected to unfair practices and possible fraud in relation to a debt that was allegedly owed. 

In XX/XX/XXXX, I received legal paperwork indicating that I was being sued for a debt that I do not recall owing. This debt is approximately XXXX XXXX XXXX, and I have no recollection of it. I filed paperwork with the XXXX courts to dispute this claim, but it appeared unlikely that I could successfully contest it. As a result, in XX/XX/XXXX, I contacted XXXX XXXX XXXX at the phone number ( XXXX ) XXXX and set up a payment plan to pay {$100.00} per month toward the alleged debt. 

I believed the matter had been resolved, but a week ago I received the same legal paperwork again, indicating that the debt had not been resolved. I called XXXX XXXX XXXX to inquire why I had received the legal paperwork, and I was informed that they do not automatically accept payments and that no payments had been received. This contradicts my understanding of the situation, as I specifically set up a payment plan in XX/XX/XXXX. 

When I asked to speak to a supervisor to resolve the issue, I was told that there was no record of my call, and I was informed that they do not ask for payment information over the phone. This was a blatant misrepresentation, as I have been charged {$100.00} at the beginning of every month for the past six months ( totaling {$600.00} ), and the charges appear on my bank statement as XXXX XXXX : Payment ID : XXXX. 

I contacted my bank to inquire about these payments, but they were unable to provide any information about the entity making these charges. Since I provided my bank account and routing numbers for these payments, I am unable to get my money back. I now find myself in the position of having to pay the full debt again, despite making payments that I have no proof were received by the debt collector. 

I am seeking your assistance to investigate this matter and hold XXXX XXXX XXXX accountable for their actions. I believe that this situation involves fraudulent activity, and I would appreciate any guidance or actions I can take to address this issue. 

Please let me know if you need any additional information or documentation to process this complaint. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Synovus Bank
State: TX

Complaint narrative:
I took out a secured credit card with XXXX XXXX a while ago, and as sometimes happens, I struggled to keep up with payments. As a result, the account went to collections. Since then, Ive been actively working on improving my credit, with the hope that I can buy a home for my family and get us out of the beat up XXXX  we're living in. 

In XX/XX/year>, I called XXXX XXXX to settle the account, intending to pay off the balance and close the issue. However, when I called, I was told that my account was on hold and that I should call back in XXXX days for an update. I followed that advice, only to be told the same thing again : that the account was still on hold and that I should call back in another XXXX days. Since XXXX, Ive continued to call at least once a week, trying to get a resolution, but Ive only been met with more delays and no clear answers. Every time I request to be escalated to a manager or speak with someone in collections, Im told Ill be contacted soon, but no one has reached out. 

The ongoing uncertainty and lack of communication have left me in a situation where my familys well-being is at risk. My daughter deserves a safe, stable home, but we cant make that happen until this collection is resolved. Ive been stuck in a cycle of calls that lead nowhere, and it's been frustrating. I am doing everything I can to fix my mistakes and give my family the home they deserve, but XXXX XXXX lack of resolution is keeping me from being able to move forward. 

Im reaching out now, more than ever, for your help. I need to have this collection removed from my credit report so I can finally secure a mortgage and give my wife and daughter the life they deserve. I cant keep living in these conditions, and I cant keep waiting for answers that never come. This issue has gone on long enough, and I am asking you to please intervene and help me resolve it as soon as possible. 

Thank you for understanding the urgency of this situation and for your time. I look forward to your assistance in getting this matter taken care of so that my family can finally find peace and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I experienced an issue with an ATM deposit at the XXXX XXXX branch in XXXX XXXXXXXX XXXX  On XX/XX/year>, around XXXX XXXX XXXX, I deposited approximately {$1500.00} intended to pay my rent. Unfortunately, the funds never appeared in my account. 

When I contacted the bank to report the issue, the bank employee handling my claim incorrectly recorded the ATM address, which has delayed the resolution of this matter. As a result of this mistake, I am still without my funds and have incurred additional fees from my landlord due to the inability to pay rent on time. 

This situation has caused significant financial stress and has negatively impacted my financial standing. The negligence on the part of the banks employee has prevented the timely recovery of my funds. 

Resolution Sought : I am requesting the following : XXXX. Immediate credit of the deposit amount ( {$1500.00} ) to my account. 
XXXX. Compensation for any fees or penalties incurred as a result of this error. 
XXXX. Assurance that the error in processing my claim, including the incorrect ATM address, will be addressed to prevent future occurrences. 

Supporting Documentation : I can provide the following evidence : A message confirming my debit card was retained by this ATM during my deposit error. 
Communication records with the bank about this incident. 

I believe this matter needs urgent attention and resolution.

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 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ready Capital Corporation
State: AL

Complaint narrative:
My loan was sold to XXXX XXXX from XXXX. Three payments were made to XXXX ( XXXX, XXXX, and XXXX ) unaware that they were no longer my mortgage holder. XXXX and XXXX payments were wired to XXXX XXXX, XXXX however was cashed by XXXX and never received by XXXX XXXX. The check for my XXXX payment was sent and dated the end of XXXX. When inquiring about the missing payment through XXXX I was told they could do nothing to help me, they said they could not even find my loan number, I needed to go through XXXX XXXX. XXXX XXXX is the XXXX who made me aware that it was cashed by XXXX and then not forwarded to them. An escalations representative stayed on the phone with me to have a three way call to XXXX. Once the call was answered and they were made aware of the third party on the line, XXXX representative disconnected the call. I then called back on my own on XX/XX/year> and spoke to another representative who told me two different files had been opened on the account that I was not aware of, then proceeded to back track and gave me send proof of payment and told me that it would be escalated and I would have answers by Tuesday XX/XX/year>. She refused to escalate my call or let me speak to a supervisor to confirm my proof of payment had been received claiming there was no supervisors available and the department to research my payment did not have access to phones. I have not received any communication until I called today XX/XX/year> the first representative I spoke to told me I would not have answer today, that the issue would be escalated. I asked to speak to a supervisor, who, unaware to me, was unavailable. Called back a second time and spoke to another representative who also transferred me to an unavailable supervisor, claiming I would receive a call back by end of the day. This is affecting my credit and preventing me from being approved for additional loans I need.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their Advertised promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

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 too scams The lack Next Cell of accountability and transparency its unacceptable and a serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
Bank located in has received my check of {$1400.00} showed no proof of fraudulent volunteering closing out my accounts while in Her presenc. Walked out with {$200.00}, instead of {$1600.00}, closed accounts,, showed no proof to me, that my check was fraudulent, stealing my money from work study, I received from a work study Job through XXXX XXXX XXXX XXXX XXXX. I was treated UNFAIRLY. They didnt give None of documents. Just word of mouth

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX DOB : XX/XX/year> XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX RE XXXX Remove a collection : The purpose of my letter is to dispute the following collections that are wrong and unauthorized. Please remove it from my XXXX credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ). 

Name : XXXXXXXX XXXX  Date created : XXXX XXXX Balance : {$240.00} Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Subject : Follow-up Complaint Regarding Navy Federal Credit Union XXXX XXXX # XXXX ) Dear CFPB, I am writing to file a follow-up complaint regarding an unresolved issue with Navy Federal Credit Union ( NFCU ) that I initially reported through the CFPB on XX/XX/XXXX. While Navy Federal provided a response to the original complaint, the issue remains unresolved, and my funds are still being withheld without sufficient action or communication. 

Background : XXXX. On XX/XX/XXXX, I deposited a third-party check for {$63000.00} into my Navy Federal business checking account ending in XXXX. 
XXXX. NFCU placed an extended hold on the funds and released {$220.00} per their Funds Availability Schedule. 
XXXX. I filed a complaint with the CFPB on XX/XX/XXXX, and Navy Federal responded that they had contacted the maker of the check to verify the payee and were awaiting a hold harmless letter to release the funds. 

Current Issue : As of today, XX/XX/XXXX, Navy Federal has not received the hold harmless letter, and the funds remain on hold. Despite my multiple attempts to follow up with Navy Federal, there has been no resolution or meaningful progress in this matter. The extended delay has caused financial hardship and has prevented me from accessing funds that rightfully belong to me. 

My Efforts to Resolve the Issue : 1. I have repeatedly contacted Navy Federals customer service department to request updates on the status of the hold harmless letter and the funds.

2. I have attempted to reach out to the maker of the check to confirm the letter was sent, but the process remains stalled.

3. I provided all necessary information to Navy Federal and have cooperated fully with their verification process.

Request for CFPB Assistance : I am requesting the CFPBs assistance in ensuring that Navy Federal : 1. Provides a clear and timely resolution to this matter.

2. Releases the funds or provides a valid explanation for the continued hold.

3. Takes appropriate steps to address the prolonged delay and lack of communication.

I have attached a copy of Navy Federals response to the initial complaint, as well as all relevant documentation, including deposit records, correspondence, and any updates from the check maker.

Thank you for your attention to this matter. I appreciate the CFPBs continued efforts to ensure accountability and fair treatment for consumers. Please feel free to contact me at ( XXXX ) XXXX or XXXX if additional information is needed. 

Sincerely, XXXX XXXX XXXX Owner, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was told my information for the collections were verified without them explaining to me how it was done.

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 2025-01-21 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: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficifent 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 Credit Union 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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX Pl XXXX, SC XXXX Subject : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe, associated with account # XXXX for the amount of {$710.00}. I am exercising my rights under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to request validation of the alleged debt.

Please provide the following : The name and address of the original creditor.

The amount of the debt and a detailed breakdown, including fees, interest, and other charges.

Verification that I am indeed responsible for this debt. 
Copies of any agreements, contracts, or documents that show I agreed to the debt. 
Under the FDCPA, you are required to cease all collection activities until you have provided this validation in writing. Failure to comply with these requirements will constitute a violation of federal law. 
If this debt is found to be invalid, I request that you : Cease any further attempts to collect this debt. 
Remove any negative information related to this debt from my credit report. 
Please respond to this letter in writing and send all correspondence to the address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. I have sent all documents requested. 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 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 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 2025-01-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX, said i was to be served and gave me an outlandish figure i owed without identifying what or who it was from. Calling my family members, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am being contacted by a debt collector with whom I have no prior agreement or credit relationship. I have sent two certified letters requesting proof of a contractual agreement between the debt collector and myself, as well as proof of their legal right to process and use my personal information. Both times, they responded with a bill from another company, which does not satisfy my request for validation.

I have also contacted the original creditor twice regarding this matter and have not received any response. The accounts in question were removed by the original creditor as a charge-off. Additionally, I requested a Form 1099-C from the original creditor for any canceled debt, but I have not received this document. 

I am requesting the CFPBs assistance in resolving this matter, as my attempts to obtain proper validation and documentation have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
XXXX XXXX I am to formally 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 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