vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
One day my aunt XXXX XXXX was sending me {$250.00} through XXXX. And that would be from XXXX in her banking institution to mine. We do not have nor remember the date just the experience. And as I asked Navy Federal for that information, they would not give it to me. It denied her the first time she sent it so she tried to send it again and that ultimately locked my account. We had XXXX XXXX to her bank ATM to pull out the money and that was a distance and more of a problem. I've called on numerous occasions Navy Federal. I've tried XXXX. XXXX told me that they're just an app and I'd have to deal with the XXXX  inside the institution. I've been inside the bank. Talked to managers staff and nobody would tell me nothing and I asked him what did I do wrong. They wouldn't tell me nothing to the point where there was XXXX of them standing around me asking me to leave. Navy Federal nor their Security team will not talk to me. They told me in person that they were not allowed to talk to me. I could try the XXXX number but they've been advised not to talk to me as well. It took me a year, maybe longer, just to get the transaction amount and name out of them for the incident that caused all this. I just found out the other day that I can appeal but it already says on my paperwork that they are going to deny it. They told me I am no longer able to bank at Navy Federal after my grandfather was in the Navy for years. I can appealed it anyways, and was denied to where I called back and they gave me the name and the amount. This has made me default on loans with a XXXX % plus ratio to pay back. This has messed up my credit To the point where I can't get anything other than a prepaid bank account like cash app or chime. Therefore, I can not use XXXX  after a certain date because it has to be through a banking institution and everybody who needs to send me money has XXXX. I'm stressed humiliated and this all stemming after I open the business account and somebody use my finger print while I was asleep and tried to cash a check. When I called to alert them that I didn't make this transaction, they closed that account. That was XXXX XXXX XXXX and I will file another complaint for that. Due to the fact that they will not talk to me. I have no documentation. All I have is bank accounts stating that I have $ XXXX between my checkings and savings. I now no longer have a job due to the stress and complexity of the situation.

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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I requested a payoff on XX/XX/XXXX as the sale of our home was in escrow. The sale was taking a bit longer so I contacted Wilshire again on XX/XX/XXXX attached to this email. Payoff quote was for {$9600.00} as stated on payoff letter with Wilshire. On XX/XX/XXXX I called Wilshire to get an updated payoff which was then given to me verbally in the amount of $ XXXX XX/XX/XXXX, I received a call from Wilshire asking for a payment, I told the Wilshire that the payoff was sent out on XX/XX/XXXX. The representative then researched and said the cashiers check is there, it just takes a few days for Wilshire to process it. On XX/XX/XXXX, I received a call from Wilshire stating that I have a balance of {$330.00} due to interest accruing that they delayed processing the cashiers check on. The representative argued with me and stated " If I mailed a check out to them, then I should have known that the bank places holds ''. In turn I informed him there was NO hold due to this being certified funds in form of Cashiers check. I also told him in viewing their payment history sent by them along with the payoff statement. Payment history shows them adding interest in the amount of {$430.00} on XX/XX/XXXX which was several days after they received the payoff check. That payoff cashiers check should have been immediately processed and I should have a XXXX balance. I also want to make sure this company has NOT hot my credits with any lates due to their predatory lending procedures and not posting my payoff until XXXX  days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
My paycheck was sent to CapitalOne by my employer but was not processed into my account. CapitalOne has stated that there is an " unspecified technical issue due to a third-party vendor '' but they will not provide any further details. They have not provided an ETA for when they will have this resolved. I have no access to money that I worked hard to earn and apparently am not entitled to any compensation by the bank. I feel that the CFPB needs to investigate CapitalOne. This is oddly right after it was announced that they are being sued, again, by customers for not communicating changes to interest rates so that customers can make account decisions accordingly.

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: Block, Inc.
State: NJ

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 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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was in XXXX on vacation and took a taxi to back to my hotel on XX/XX/year>. When we arrived at the hotel, the taxi driver told me it was {$15.00}. I gave him my debit card and asked for the receipt which clearly showed a total of {$15.00}. About an hour later after I was settled in my room, I looked at my bank account and noticed a charge of {$89.00} from this taxi company. I called Chase right away to report this and was told to wait and see what they actually post as it was pending. When I arrived back home in the XXXX a few days later, the charge of {$89.00} was posted. I called Chase to file a claim and sent them a copy of the receipt showing {$15.00}. In the meantime, they credited my account {$74.00} as the investigate. On XXXX XXXX I received an email from them telling me the charge was valid and that on XXXX XXXX, they will withdraw the {$74.00} from my account which they did. I called Chase and asked for the documents from their investigation as I was in disbelief that my {$15.00} receipt was not sufficient. I received the documentation and the receipt the taxi company provided to them, is completely different from the one they gave me. Their receipt shows XXXX line itemsone for {$15.00} and XXXX for {$70.00}, which I have no idea what that was for. My argument is that if I knowingly knew it was a total charge of {$85.00}, why does the receipt the driver gave me show {$15.00}? I called Chase and do not believe that they investigated this properly or even sent the company a copy of my receipt that shows {$15.00} is what I was charged. They said I can reopen the claim again and submit more evidence. XXXX not sure how much more I can send them except the receipt I was given. I am extremely disappointed that they are allowing this fraudulent charge go through.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Pollack & Rosen P.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Subject : Request for Validation of Debt Dear Pollack & Rosen , Pa - XXXX XXXX , XXXX XXXX XXXX I am writing to formally request that you provide validation of the debt you claim I owe, as outlined in your recent communication dated [ insert date of the debt notice ]. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request such validation, and I kindly ask that you provide the necessary documentation to substantiate this claim.

Specifically, I request that you provide : 1. The original amount of the debt, including any interest, fees, or charges that have been added.

2. The name of the original creditor.

3. Copies of any documents or agreements that support your claim of the debt, including any signed contracts, account statements, or other evidence.

4. A detailed breakdown of how the debt has accrued, including the dates of each charge or payment.

5. Proof that you have the legal right to collect this debt from me, including documentation showing your authority to collect on behalf of the original creditor.

Please note that under the FDCPA, your collection efforts must cease until the requested validation is provided. If you are unable to validate the debt, I expect all collection activities to stop, and any negative information regarding this debt to be removed from my credit report.

I look forward to receiving the requested validation within 30 days, as required by law. Please send the information to the address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
In XX/XX/year>, I became unemployed and reached out to GoodLeap to discuss payment arrangements. They offered a program that they said would last XXXX months. During this period, I made several payments, yet they repeatedly threatened to shut off the solar panels. In XX/XX/year>, I contacted them again and made XXXX additional payments after receiving further threats. Despite making multiple payments, I continued to receive duplicate bills with different due dates, accompanied by threats of panel disconnection. 

In addition, they reported to the credit agencies that my payments were a month behind, even though I had made XXXX payments during this time. Despite my ongoing efforts to resolve the matter, they have shut off the solar panels, misrepresented the facts, and have not honored the terms of the payment agreement. If I am not receiving the intended benefits from having the panels installed, I am requesting their removal from my property if they aren't serving the purpose for which they are installed.

Company public response: Company disputes the facts presented in the complaint
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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously filed a complaint with the CFPB on XX/XX/year>, which highlighted Experians failure to investigate disputes, block fraudulent accounts, and provide proper reinsertion notices. Despite this, Experian has failed to resolve the following items on my credit report : XXXX. XXXX ( Account # XXXX  ) : Fraudulent account linked to identity theft, with a balance of {$2500.00} and late payments added. Despite being disputed multiple times, Experian has ignored or failed to investigate this account appropriately, violating FCRA 605B and 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXXXXXX XXXX ( Account # XXXX ) : Reinserted without notice ; no evidence of verification provided. 
XXXX. XXXX XXXX ( Account # XXXX ) : Reinserted with derogatory marks, violating reinsertion protocols. 
XXXX. XXXX XXXX ( Account # XXXX ) : Verified without proper investigation. 
XXXX. XXXX XXXX XXXX XXXX : Ignored entirely despite valid identity theft claims. 
XXXX. XXXX XXXX XXXX ( XX/XX/year> ) : Not removed despite prior disputes. 
XXXX. Incorrect Address ( XXXX XXXX XXXX ) : Remains listed on my report. 
Applicable Violations : FCRA 605B : Failure to block identity theft-related accounts.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to issue reinsertion notices.

FCRA 609 ( a ) ( 1 ) : Failure to verify disputed information.

Harm Caused : Experians actions have led to : Financial harm and increased interest rates due to inaccurate derogatory items. 
Emotional distress and wasted time resolving these issues.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously filed a complaint with the CFPB on XX/XX/year>, which highlighted Experians failure to investigate disputes, block fraudulent accounts, and provide proper reinsertion notices. Despite this, Experian has failed to resolve the following items on my credit report : XXXX. XXXX ( Account # XXXX ) : Fraudulent account linked to identity theft, with a balance of {$2500.00} and late payments added. Despite being disputed multiple times, Experian has ignored or failed to investigate this account appropriately, violating FCRA 605B and 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX ( Account # XXXX ) : Reinserted without notice ; no evidence of verification provided. 
XXXX. XXXX XXXX ( Account # XXXX ) : Reinserted with derogatory marks, violating reinsertion protocols. 
XXXX. XXXX XXXX ( Account # XXXX ) : Verified without proper investigation. 
XXXX. XXXX XXXX XXXX XXXX : Ignored entirely despite valid identity theft claims. 
XXXX. XXXX XXXX XXXX ( XX/XX/year> ) : Not removed despite prior disputes. 
XXXX. Incorrect Address ( XXXX XXXX XXXX ) : Remains listed on my report. 
Applicable Violations : FCRA 605B : Failure to block identity theft-related accounts.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to issue reinsertion notices.

FCRA 609 ( a ) ( 1 ) : Failure to verify disputed information. 
Harm Caused : Experians actions have led to : Financial harm and increased interest rates due to inaccurate derogatory items. 
Emotional distress and wasted time resolving these issues.

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

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: 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 meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct a proper reinvestigation of disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. These documented failures reflect my own experience, as Experian has neither corrected nor removed the disputed items on my credit report, despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. I am requesting immediate corrective action to either amend or remove the disputed accounts. Experians failure to address these issues 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 2025-01-16 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: NY

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having insufficient 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 were 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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Amex charged me XXXX for Return Service Fee. It's saying that my bank rejected. They won't reverse and is creating a huge issue around it. President Biden signed the bill for Junk Fee. Amex continue to charge over the legal limit is shameless. Should be fined. 

We will attempt to process it up to two more times in the next few days. Theres no need for you to make a new payment at this time. 



Please confirm your bank account information and ensure there are sufficient funds in your bank account.

Company response to consumer: Closed with explanation