vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
I made a very large principal reduction payment and would like my loan to be reamoritzed on the new principal amount for the remaining term as well as the mortgage insurance be removed

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 2025-01-18 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: OH

Complaint narrative:
I am a XXXX  and my parents help me out with my monthly rent. They have previously sent me money via the XXXX app however when we found out that zelle sends directly to my account we wanted to try zelle. Around the time of XX/XX/year>, my stepmom tried to send me {$500.00} via zelle app and it would not let her send the full amount. We contacted the bank and they said it was a zelle issue. I contacted zelle to ask why she was not able to send the full amount because I could not receive it. I never got a response so we had to switch back to XXXX. Super Inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
I am writing to formally espress my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Dispite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost forms was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-01-18 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 regarding Zelles handling of disputes, particularly in light of the recent CFPB 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 recovery lost funds was impossible and tracking the transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
I send money using my zelle account at the time and it went to a wrong account.. I never get a refund nor did I get an explanation of how to get a refund..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: SC

Complaint narrative:
I am writing to normally 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 failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was infeasible. 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 2025-01-18 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: AR

Complaint narrative:
I am writing 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 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 lseek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: WI

Complaint narrative:
TransUnion 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 XXXX, alleging systematic issues such as failing too forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These are the same failures Im experiencing with TRANSUNION, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting that TransUnion either removed the late payments on remove the following accounts from my credit/consumer report : XXXX XXXX and the other account is XXXX XXXX, remove these disputed accounts as TransUnion 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 non-monetary relief
Consumer complaint received 2025-01-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX, an Experian representative picked up a dispute letter sent certified mail from the postal facility in XXXXXXXX XXXX The dispute letter pertained to incorrect and outdated personal information on my credit report. In detail removing all non legal names and out of date addresses, employers, and phone numbers. On XX/XX/XXXXXXXX XXXX XXXX XXXX, I called Experian to confirm receipt as I had not received anything in return from them. After being on hold for 31 minutes the representative I was transferred to stated they have no record of the dispute.

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 2025-01-18 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> ( XXXX ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
FRAUD ACCOUNT BEING LISTED ON MY CONSUMER REPORT ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 proces 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 2025-01-18 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
XXXX is the ONLY credit bureau showing inaccurate information on my credit report. After going back and forth between XXXX and the credit company Curacao for a whole year, this was Curacaos only helpful response : It appears that this is a problem with XXXX. We report the same data to all the credit bureaus, and our practice is to report accounts that have been paid off after charge-off as " Paid '' with a XXXX XXXX 

XXXX states that Curocao verified the inaccurate information even after I provided a XXXX Balance Letter as proof that the account was paid off/inactive as of XX/XX/year>. XXXX refuses to correct the remarks on my report, the status of the account, and the history of the payments even after I provided proof. 

Ironically, the history of the account has been reported as ND ever since I began the dispute process a year ago. Meaning that if I never disputed it, XXXX would likely have still reported this account as a charge off that was never paid, which is false and grossly unfair to me. Although the account unfortunately was late and hit a charge off, it makes a difference to report that it was ultimately paid off in full to the creditor and closed. 

I am requesting that the history of the account be corrected to terms met starting for the month of XXXX XXXX XXXX, when I paid the account off in full and NEVER used it again. The account has since been inactive and closed. Additionally, a remark needs to be added as paid with a XXXX XXXX in which Curocao states that is what they report to all bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
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 Fraud 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cashapp ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) specifically cashapp failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Further along, their dispute process for the resolution wasnt fair and it was also deceptive, as they failed to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have really caused significant inconvenience and financial loss to me, and I seek appropriate redress for these violations at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances 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 2025-01-18 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information being reported regarding XXXX on my credit report. Specifically, I am referring to the payment history for the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> The payment history is incorrect and inconsistent across the months in question. My credit report shows the following : XX/XX/year> : Reported as charged off XX/XX/year> : Reported as charged off XXXX through XX/XX/year> : Reported as Paid XX/XX/year> : Reported as charged off XX/XX/year> : Account charged off again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This reporting is inconsistent and fails to align with my actual payment history for those months. The errors in reporting have had a direct and negative impact on my XXXX XXXX, and I am demanding that this inaccurate information be investigated and corrected. 
Furthermore, I am aware of ongoing legal action against Experian for its failure to properly investigate and address disputes. As you are aware, under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate any dispute promptly and accurately. Experian has failed to fulfill its duties in past investigations. 
In light of this, I demand that you immediately remove this account from my credit report due to the inaccurate and inconsistent reporting. Under the FCRA, you are obligated to ensure that all information on my credit report is accurate, and you are not allowed to report misleading or erroneous data. If this matter is not resolved satisfactorily, I will not hesitate to take further action, including seeking legal remedies for the violation of my rights under the FCRA. 
Please confirm in writing that this account has been deleted I look forward to your prompt attention to this matter. Thank you for your cooperation in ensuring that my credit report accurately reflects my payment history.

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress ( 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 XXXX. XXXX for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app close my XXXX account. I'm not sure when it was close I didn't realize until XX/XX/XXXX between XXXX XXXX XXXX XXXX XXXX. They close my XXXX account in XXXX They didn't give me a reason why this account was closed. I'm stilling waiting for a reason why they close the most recent account. They tried to say the the reason was gambling activity, but I receive and send money to my sister and brother. Cash app said they would let me know why the account was closed. The account in XXXX it was closed completely I couldn't sign in. I had stock on that account. I lost money. And now they closed my second account with no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) because of inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and resolve fraud on their platform.

Company response to consumer: Closed with explanation