vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Had a XXXX  on XX/XX/XXXX. Due to amount of insurance check Newrez requires that it be held in a restricted escrow account. Check was received and endorsed and sent to Newrez on XX/XX/XXXX. Check was received by newrez on XX/XX/XXXX. It then took 10 days XX/XX/XXXX for the check to be processed. All documents have been provided and still no communication has been received as to whats next in the process nor has an initial draw been distributed. I now owe contractors over {$20000.00} and have yet to receive any funds to pay them. I have paid out of pocket over {$6000.00} and have yet to be reimbursed. Getting someone on the phone is next to impossible and all email communications have gone unanswered even though a message received reply is gotten and said that I will hear back within 2 business days. I understand the need of the escrow account but newrez must do better at expediting this process so that people can get back on with there life after the issues. A simple XXXX search will show you how terribly newrez handles this process accross the board and I am lucky that I was able to get the work done while waiting for this to be complete but now that the work is complete I need to finish paying the contractors. I cant imagine if I hadnt had the funds to be able to start this process still.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit reporting agencies are reporting illegal information! It is illegal to report TRANSACTION 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 2025-01-16 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: IL

Complaint narrative:
Early dates between XXXX and XXXX Sending money through Zelle. Accidentally sending it to accounts and not being able to receive a refund or cancel the transaction.

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: NV

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I had XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX. At the time of the XXXX I paid my portion for each eye. The XXXX center submitted multiple claims to my insurance company which were denied or portions paid. I received a bill dated XX/XX/XXXX for {$1900.00} with no detail and the only description " XXXX XXXX Credits ''. I called the number on the statement XX/XX/XXXX and asked for the details as I had paid a total of {$2600.00} at the time of the surgeries. They said they didn't have the details and would have to request a statement to be sent to me. I did not receive the details so followed up on XX/XX/XXXX and talked to a supervisor. She said she'd ordered the detail and it would be sent to me. I still had not received the statement so called back on XX/XX/XXXX and was transferred to a XXXX. The XXXX said they had requested the detail from the " client '' and she would follow up on and call me when she received the information. On XX/XX/XXXX I had not received the detail or a return call from the XXXX so I called the billing department again. I talked to the same XXXX who said it was supposed to have been sent out but she would check on it and call me back. She called me that day and said the statement would be put in the mail that day. When I finally received the statement, it now showed I owed {$210.00}. This is due to a line item listed as " Correction - Contractual Adjustment ''. On XX/XX/XXXX I called the number provided in the cover letter for questions. The number provided was a bad number and didn't go through. I called the XXXX back I had talked to before and she said she couldn't tell me what the line item was for and I would have to call " them '' which was the XXXX center. I called the XXXX center and no one answered. In summary, I was sent a bill with no detail by a third party collection agency who could not provide any information as to what the additional charges were for. When I try to call the XXXX center to get the information, they are unavailable. This seems like deceptive trade practices as there is no transparency in their billing or collections. I also tried to search for a different contact outside of the billing department but their website and corporate information didn't provide any customer service or complaint options. I would have tried to resolve this myself first if I had had that option.

Company response to consumer: Closed with explanation
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: MD

Complaint narrative:
On XX/XX/year>XXXX  {$1400.00} was taken from my checking account and consider fraud and my bank account was automatically closed. The same time as my automatic bills were due might I add. When I called they said they didnt understand why to go to a branch and I made an appointment to go to a branch on XX/XX/year> at XXXX XXXX to meet with XXXXXXXX XXXX XXXXXXXX XXXX on the phone the representative said she would be able to help me. When I arrived for my appointment she had no idea who I was or the situation. she said she didnt have any information and that I would not be able to get my money even from my savings account. After pleading with her they let me take my money out of my savings account but never gave me any information on what the fraudulent charges were or how I could get my money back they just closed my account and didnt give me any information. When I called because the branch said they have nothing to do with fraud I was again told to make an appointment leading me no where. This was with XXXX XXXX XXXX XXXX and I never received my money back of {$1400.00}

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Consumer personal information was stolen in a data breach of 3 billion consumers personal information. Consumer is requesting that all items listed in Attached FTC Identity Theft Report to be deleted from consumers personal credit report file from all credit bureaus Equifax, XXXX, XXXX pursuant to Fair Credit Reporting Act section 605b. Also 15 USC section 1681b permission must be given by the consumer to report my personal information on credit bureau.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
On XX/XX/year>XXXX  XXXX from Structured Settlement contacted me about a debt that I have with XXXX XXXX, that I have continuously paid on time with Structured Settlement. XXXX, left a vm which I will attach below giving out erroneous information about my account. She stated in the message and on the phone when we spoke that my payments were rejected in XXXX and I needed to pay three payments to catch up or the next step would be taken. I was confused because there was no rejection. She continued to say it was after that I told her I needed to talk to someone else then she transferred me to a lady named XXXX. I was asking for the same information. I told her I needed explanation. The same card would be used and I needed to know where this rejection came from. At one point XXXX yelled at me and said do you hear yourself you said XX/XX/XXXX. I don't even know what that means. I explained to her that I was a disabled veteran and I'm just trying to understand. She hung the phone up in my face. I called again and spoke with a male who told me that there was no rejection and he doesn't know where they got that info from.

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: TX

Complaint narrative:
Im a complaint against Navy Federal credit Union regarding multiple overdraft fees that have occurred on my account. Despite having sufficient funds when transactions was authorized, I was charge due to lagged posts of charges and credits.The issue aligns with CFPB findings against Navy Federal for similar practices, where transaction 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Debt and Request for Validation Information under Federal Law Dear Southwest Credit Systems, I am writing in response to your attempts to collect a debt allegedly owed by me. I formally dispute the debt in its entirety as you have failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Specifically, I am requesting : 1. A copy of the purchase agreement or assignment agreement between your agency and the original creditor demonstrating your authority to collect this debt.

2. Full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

In addition, I revoke my consent for any communication via phone, email, or any other method. Per the FDCPA, any further communication not explicitly authorized by law will constitute a violation of my rights.

Violations of Federal Law You have failed to provide me with the opportunity to dispute the account within the mandated time frame, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your actions constitute violations of the following : 1. 12 CFR 1006.34 ( d ) for failure to disclose all legally required information.

2. 15 USC 1681s-2 ( 7 ) ( A ) by furnishing information to consumer reporting agencies without fulfilling your disclosure obligations.

3. 15 USC 1692e by employing false, misleading, and deceptive practices in your collection efforts.

As per 15 USC 1692k, you are liable for damages of {$1000.00} for each violation of my rights under the FDCPA.

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: EQUIFAX, INC.
State: MS

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. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
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: GA

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 transaction were authorized, I charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFFPB 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: NY

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 postings 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: 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: MO

Complaint narrative:
I have been trying to reach out to Experian about an account on my report and submit proof that this company has not responded to clarify this information reported. I have disputed this account for inaccurate info in numerous occasions without it being investigated at all. Also there is a social security number that does not belong to me on my Experian account. There is also a hard inquiry for a loan that I am currently paying on and up to date on with my Experian account. I would like for this information to be corrected because my credit has been negativity impacted thanks to Experian. I really would like my information removed from their website all together. There are names that are not mine on my Experian report. I have made myself aware with some credit laws and Experian is not following federal laws when it comes to the fair reporting act.

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: NH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Reporting Act ( FRCA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) 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 notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed cited 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 2025-01-16 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Formal Complaint : Incorrect Denial of Checking Account Application and Request to Clear My Profile To : Chase Bank Customer Service Department I am writing to formally express my dissatisfaction with the denial of my application to open a checking account with Chase Bank due to misinformation and an apparent mix-up with another individual who shares a similar name. This error has caused unnecessary inconvenience and frustration. 

Details of the Incident : During the account opening process, I was informed that my application could not be approved due to negative information associated with my name in your system. Upon further clarification, it was revealed that this decision was based on a mix-up with another individual who has a similar name but is unrelated to me. 

Key Issues : 1.Misinformation : Despite providing all necessary documentation ( e.g., government-issued ID, Social Security Number, proof of address ), my application was wrongly denied. 
2.Lack of Due Diligence : Your team failed to adequately verify my identity and distinguish me from the other individual. 
3.Impact on My Trust : This incident reflects a failure in Chase Banks processes , causing me undue frustration and tarnishing my trust in your services. 

Request for Resolution : 1.Immediate Review and Clearing of My Profile : I request that my profile in your system be reviewed and cleared of any incorrect associations or misinformation. 
2.Approval of My Account Application : Upon correction, I would like my application to be reconsidered and the account opened without further delays. 
3.Explanation of the Error : I would appreciate a detailed explanation of how this error occurred and the measures Chase Bank will implement to prevent similar issues for other customers in the future. 



Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation