vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Iowa XXXX Subject : Formal Complaint against ( Associated Credit ) Dear Consumer Financial Protection Bureau, I am formally disputing the validity of the debt that this Collection Agency has placed on my consumer profile. This agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
The Collection Agency 's actions are in clear violation of my consumer rights as protected by the Consumer Financial Protection Act, by using false, misleading, and deceptive means. They have no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. This constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). 
To resolve this matter, I am requesting the following : 1. Debt Validation : Provide a detailed validation of the debt in question, including but not limited to the amount of the debt, the name of the original creditor, and documentation that substantiates the debt.

2. Proof of Licensing and Bonding : Provide proof that your agency is licensed and bonded to collect debts in my state. 
Additionally, failure to produce the above mentioned documents, I demand the immediate deletion of the accounts from my credit report. I am disputing owing any and all debts to their agency. Please note that I am revoking all rights of the agency to communicate with me through email, text, or calls. Any further communication must be in writing. 
The date on my consumer report indicating that I opened an account with this Associated Credit is blatantly false. I neither received any services or products from this collection agency, nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Please acknowledge receipt of this dispute and validation request within 14 days. Failure to respond adequately and timely will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's office. 
Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably and swiftly.

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours statin the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding sales 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 findings indicate that he has not only neglected to protect customers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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: VA

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 this 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 consumers 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: CA

Complaint narrative:
I am filing a complaint against Cash App ( 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, 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 — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has not credited my payroll deposit or successfully transferred wired funds to my business account. Transactions were initiated on XX/XX/year> and as of today XX/XX/year> have not been received

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 service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I'm 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 & 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: TX

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 procer 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 19.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing this complaint to address an unacceptable and unethical practice by Exeter Finance regarding their handling of my Servicemembers Civil Relief Act ( SCRA ) agreement. I submitted the required SCRA documentation in XX/XX/year>, shortly after enlisting in the United States XXXX XXXX. At that time, I provided the necessary proof of my active-duty status to ensure my rights under the SCRA would be upheld.

Recently, I discovered that Exeter Finance has deleted the SCRA agreement that was on file. This deletion is not only a violation of my trust as a customer but also raises serious concerns about the companys recordkeeping practices and its compliance with federal regulations.

Why This Is Wrong : Negligence in Recordkeeping : The deletion of my SCRA agreement demonstrates gross negligence in Exeter Finances recordkeeping practices. The SCRA is a federal law designed to protect active-duty servicemembers like myself, and proper record maintenance is essential to ensure those protections are upheld. The deletion of such a critical document compromises my rights and protections under the law.

Lack of Accountability : As a financial institution, Exeter Finance has a responsibility to maintain accurate and complete records, especially when dealing with legal agreements that impact a customers financial obligations. Deleting my SCRA agreement suggests a lack of accountability and attention to detail, which are fundamental to any company entrusted with sensitive financial information.

Potential Violation of SCRA Protections : The SCRA provides critical protections to servicemembers, including interest rate reductions and protection against certain adverse actions. By deleting my SCRA agreement, Exeter Finance has jeopardized my ability to enforce these protections and has failed to meet its legal obligations under the SCRA.

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: MD

Complaint narrative:
Im a Retired XXXX Veteran and have been with Navy Federal for over 20 years. Ive had surprise overdraft fees on certain ATM withdrawals and debit card purchases, even when my account showed sufficient funds at the time of the transactions. I was illegally charged overdraft fees in XXXX ways. First, when I made purchases with my accounts showing enough money to cover the transaction, the credit union still charged me overdraft fees if the account had a negative balance once the purchase posted to my account, sometimes days later. Second, when I received money payment services through Navy Federal systems showed the money as immediately available to spend. However, the credit union failed to disclose that payments received after 10:00 am Eastern ( and later, after 8:00 pm Eastern ) wouldn't actually post until the next business day. I tried to use this money were then charged 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Towards the end of 2020, unauthorized withdrawals were made from my checking and savings accounts through various methods, including ATM transactions, XXXX XXXX, and XXXX. 

The ATM transactions involved someone transferring money from my personal savings account to my personal checking account ( both with Chase Bank ) and then withdrawing the funds from the nearest Chase ATM to my residence. However, my debit card has always been in my possession and has never left my control. To my knowledge, no one else has access to my PIN or any other payment credentials with my permission. 

I reported the incident to Chase Bank, but they did not take my claims seriously and failed to properly investigate. Subsequently, I noticed XXXX transactions being sent without my consent to my husband. However, he never received these transactions. Despite providing proof to the bank that my husband did not receive the funds, no action was taken, and my account balance eventually went into the negative. 

Later, I discovered that a mobile payment account ( XXXX XXXX ) appeared to be set up using my banking information, even though I do not own or use XXXX devices. Despite filing multiple complaints with the bank, no resolution has been provided.

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:
I am filing a complaint against Cash App ( 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 accountant 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: CO

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 2025-01-18 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly on light of the recent CFOB 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 raise a serious concerns about consumer safety.

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: FL

Complaint narrative:
I am contacting navy federal regarding multiple overdrafts fees that currently has me in a negative balance. I have had sufficient funds in the account when transactions were processed and authorized. I was charged fees due to navy federal having a lag in posting charges and credits. This issue i am experiencing aligns with recent CFPB findings against navy federal for similar practices where transactions posted with insufficient balance despite having funds in the account available at that time. I believe these practices are unfair and I request an investigation into my account transaction. One transaction out of many would be an XXXX order of {$51.00} from XXXX is one of them.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I provided BMW a application and contract Im which they turned into securities they used those to fund the car transaction in which I was given a XXXX XXXX with a lien on the title which I do not own totally. They also are stating They did not receive full consideration fir the car from the application and contract securities. 
They are stating I owe them for a loan I never received. I asked then to provide proof that I received a loan they are not responding. 
They unlawfully and illegally took a power of attorney form to another county and had a notary which was not present at the time of signing notarize the document and act on my behalf when I sent them a affidavit of notice stating the power of attorney is fraud and unlawful/ illegal to use. 

BMW took my application and contract opened a hidden / secret account im my name.without my consent and received credit in my name. They did not issue me any credit at all. The car they allowed me use has a liend title which allows them to pressure me into paying a debt I do not owe and I am being damaged everyday by this burden.

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:
Im filing a complaint against Cash App ( Block , Inc. ) because of poor customer service and unfair practices that go against the Consumer Financial Protection Act ( CFPA ). Cash App didnt take timely or effective steps to prevent or address fraud on their platform, leaving my account vulnerable and unprotected.

On top of that, their dispute resolution process was unfair and misleading. They failed to follow the error resolution rules required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This has caused me significant inconvenience and financial loss, and Im seeking appropriate action to address these issues.

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

Company response to consumer: Closed with explanation
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: VA

Complaint narrative:
I am writting to file a complaint against NFCU regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions wet processed. I was charged fees due to there delayed posted times of charges and credits. This issue aligns with NFCU for similar practices. Where transactions are being settled with insufficient balances despite initially having the funds available. These are unfair practices I request and investigation into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation