vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees charged to my account with Navy Federal Credit Union. Despite having sufficient funds at the time transactions were authorized, I have been assessed overdraft fees due to delays in the posting of charges and credits to my account. 

This issue appears to align with recent findings by the CFPB, which identified similar practices by Navy Federal, where transactions settled with insufficient balances despite the presence of available funds at the time of authorization. 

I believe these practices are unfair and would appreciate a thorough investigation into my account transactions. I kindly request that any improperly assessed fees be refunded and that steps be taken to prevent similar occurrences in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
I am submitting this statement as part of the legal proceedings regarding Navy Federal Credit Union 's overdraft fee practices. 

Navy Federal has engaged in practices that I believe are unfair and potentially deceptive. Specifically : Multiple Overdraft Fees on Single Transactions : I was charged multiple overdraft fees for the same transaction when there were insufficient funds at settlement, despite the transaction being authorized while funds were available. This practice resulted in compounding fees that were disproportionate and unclear. 

Authorization vs. Settlement Mismatch : Navy Federal assessed overdraft fees on transactions that appeared to have sufficient funds at the time of authorization but later incurred fees due to settlement timing. This practice feels misleading, as it does not reflect the actual availability of funds at the time of my transaction. 

Lack of Transparency : The terms and conditions of overdraft fees were not clearly disclosed. I was not adequately informed about how and when these fees would be assessed, nor was I given clear instructions on how to avoid such fees. 

Failure to Obtain Explicit Consent : I do not recall providing explicit consent to opt into overdraft protection services for debit card or ATM transactions, yet I was still charged fees for these types of 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 2025-01-15 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: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, were transaction settled for insufficient balances despite initially available funds. I believe this 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting 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 2025-01-15 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 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: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
My Payment is due on the XXXX. I typically receive my statement on the XXXX. Once I receive the statement I mail in a check. It takes 2-3 weeks for them to apply my payment. I live in XXXX XXXX, Ca, the processing center is in XXXX, Texas. After a week goes by, they begin texting me and calling. 

This month my statement states I'm past due - asking for 2 payments. I called and they said I'm only due for 1 payment. This is all very unnecessary. If they would mail my statement sooner or process my payment in a timely manner none of this would happen. 

Their only solution is for me to be on auto-pay. I do not want auto-pay.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Reached out to the company because I was charged upfront fees they didn't do what they said as it pertains to cleaning my credit & I reached out XX/XX/year> they sent an email saying my case was closed. I'm so confused how this big companies can just take advantage of people & only a select few get compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had fraud activity on my account XX/XX/year>XXXX  there is 6 transactions each for {$400.00} all within 1min of each other totaling {$2400.00} Citibank froze my account and contacted me while I was sleeping and I verified that this was fraud they opened a case to restore my funds but did not restore my funds

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle - money sent and product never received. Lost my money bank said that there was nothing they could do about it. I have XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am writing to formally file a complaint against Gemini, a cryptocurrency exchange platform, for placing my account on a security hold for over a month without providing any explanation or resolution. Despite my repeated efforts to resolve the issue, including submitting all requested documents and verifications promptly, Gemini has failed to release my account or provide clarity on the matter. 

On XX/XX/2024, I noticed that my Gemini account was placed on a security hold, restricting my access to my funds, currently at ( {$26000.00} ). I immediately contacted their support team to inquire about the reason for this hold. In response, I was asked to submit specific documentation to verify my identity, which I promptly provided on XX/XX/2024. Since then, I have followed up multiple times via email and the support portal, but I have only received generic responses or no response at all. 

The prolonged account hold has caused me significant inconvenience and stress, as I rely on this account to manage my cryptocurrency investments. I find Gemini 's lack of transparency and responsiveness in this matter highly unprofessional and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding Goldman Sachs mishandling of a dispute involving unauthorized charges on my Apple Card account. 

Summary of the Issue Several unauthorized charges totaling {$980.00} were applied to my account without my consent. 

Despite submitting disputes and providing evidence, Goldman Sachs reversed the charges and took no permanent action to remove them. 

As a result, my account exceeded its credit limit, which led to additional fees and the subsequent closure of the account. 

Impact of the Mishandling -Negative Credit Impact : My credit score has been adversely affected due to fees, penalties, and the account closure caused by Goldman Sachs mishandling. 
-Financial Stress : I am now burdened with disputed charges I did not authorize, and my access to the credit line has been revoked. 

Steps Taken to Resolve the Issue -Contacted Goldman Sachs customer service multiple times . 
-Submitted evidence of unauthorized charges on XX/XX/XXXX ( e.g., transaction details, police report ). 
-Sent a formal dispute letter to Goldman Sachs XX/XX/XXXX and every month after that until my last attempt on XX/XX/XXXX. 

Requested Actions -Investigate Goldman Sachs handling of this case for compliance with the Fair Credit Billing Act. 
-Assist in ensuring the removal of unauthorized charges and associated penalties. 
-Ensure Goldman Sachs reinstates my account in good standing. 
-Remove any negative credit reporting resulting from this incident. 
-Attached to this complaint are supporting documents, including my correspondence with Goldman Sachs , copies of the disputed charges, and evidence of their fraudulent nature. 

Thank you for your assistance in addressing this matter. Please let me know if you require additional information or documentation.

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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Today, I saw false accounts listed on my credit report, and I have no clue why they are there. I checked my credit report as I usually do, but this time there were unexpected errors. I tried refreshing the page to see if it was a temporary issue, but the incorrect accounts remained. Because of this, Im requesting a detailed review of the documents Ive provided to ensure this doesnt happen again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On Saturday XX/XX/year> at XXXX I received a very disturbing voicemail from this company asking to call them or my bank accounts may be frozen.

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: LA

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 is impossible and tracking these transactions was unfeasible. The CFPB 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. 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 — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have banked with Navy Federal since 2017 and I have been charged numerous unnecessary overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
Experian has a collection from XXXX XXXX  on my report that is from a cancellation on a car insurance policy for {$510.00} the insurance was canceled for non payment I had this policy in XXXX why is this on my report still in XXXX please remove this

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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Credit Management company is trying to collect a debt from me I don't owe. I should have never been placed in any collection I have health insurance. I am requesting for the all collection attempts to stop immediately. You are in violation of the FDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite 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