vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ME

Complaint narrative:
This is a complaint against Cash App for inadequate customer service and unfair practices. The complaint alleges that Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving the account vulnerable and unprotected. The complaint also alleges that Cash App 's 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. The complaint seeks appropriate redress for the inconvenience and financial loss caused by Cash App XXXX actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have never had an account with Capital One. I have asked this company to remove this account from my credit report and to no avail had it been removed. Also, the address this company is reporting I have never lived at that address nor have family or any association to the address they're reporting. Please investigate this company for reporting erroneous information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
Please help me, I have attached supporting correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

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 2025-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I send in extra money each month to be applied towards the principal balance. This is what they say : " A Partial Payment is funds received that are less than the full monthly mortgage loan payment due on your account. We retain partial payments, in limited circumstances, based upon the account status, loan documents and applicable law. These funds are applied to, and held in, a separate non-interest bearing unapplied funds account. The unapplied funds balance represents the amount of unapplied funds being held. In order to apply these funds to your mortgage loan, we must receive the additional funds sufficient to complete the full monthly mortgage loan payment due. '' This is not right. I should not pay interest on money that I have sent to pay the loan! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services 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 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Description of Verification Procedure under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear XXXX XXXX XXXX XXXX XXXX Department, I am writing regarding my recent dispute concerning inaccuracies on my credit report. As per your response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you stated that the item in question has been verified as accurate. However, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the accuracy and completeness of the disputed information. 

The details of the dispute are as follows : CFPB Complaint ID : XXXX Complaint Open Date : XX/XX/XXXX Complaint Closed Date : XX/XX/XXXX Item/Account Disputed : XXXX XXXX XXXX I hereby formally request a detailed explanation of the procedures TransUnion employed to verify the accuracy and completeness of the disputed item. Specifically, I request : XXXX. A detailed description of all steps taken during the verification process. 
XXXX. Documentation of all individuals and entities contacted, including names, roles, and contact information. 
XXXX. Copies of any correspondence, including emails, mailings, or call logs, used in the verification process. 
XXXX. A summary of the evidence or data that was used to verify the accuracy of the disputed item. 

As required under the FCRA, and in light of the recent lawsuit by the CFPB regarding XXXX conducting Sham investigations, and XXXX being fined by the CFPB for failing to conduct adequate investigations of disputed information in credit reports, I expect this information to be provided promptly. If you fail to comply, I will take further action, which includes seeking additional assistance from the CFPB or other appropriate authorities. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 unprotected and vulnerable. 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and their 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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Privacy Act by Credit Collection Services. Specifically, the company engaged in unfair and deceptive practices regarding debt collection, despite my request to cease communications regarding an alleged debt. 

Unlawful Communication : Credit Collection Services initiated collection attempts and reported information related to an alleged debt without my consent. They failed to comply with my notice to cease communications, violating 15 U.S.C. 1692cc.

Violation of Privacy : The company reported information regarding me to consumer reporting agencies without my explicit consent, thus violating 5 U.S.C. 552a ( b ) ( 12 ).

I would like to confirm whether a dunning letter was sent, and if so, please provide the USPS certified mail number so that I can verify it was sent. I was not given any opportunity to dispute or verify the debt, and the company 's actions demonstrate a clear disregard for the rights afforded to debtors under the FDCPA. 

I have requested that Credit Collection Services cease all collection and reporting efforts concerning my consumer information, remove any negative information from consumer reporting agencies, and provide written confirmation of these actions. However, these requests have been ignored. 

I would also like to bring attention to several past cases where Credit Collection Services has been found guilty of violating the FDCPA, including : XXXX XXXX Credit Collection Services XXXX XXXX ( XXXX ) The court ruled that the company engaged in deceptive practices by not honoring a cease and desist request. 

XXXX v. Credit Collection Services XXXX XXXX ( XXXX ) The ruling stated that the company failed to provide required disclosures and did not cease contact after a formal request. 

XXXX v. Credit Collection Services ( XXXX ) The court found that the company engaged in unfair debt collection practices by attempting to collect a debt without valid proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am planning to play against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practices which violates the consumer financial protection act. ( CFPA ), specifically Cash App fail to take timely and effective measures to prevent the 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 reregulation 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 2025-01-20 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: SC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However due to delayed posting of charges and credit, I was unfairly charged an overdraft fees and which my account is in the negative right now. 
The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) 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, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I'm filling a complaint against Cash app ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violates the Consumer Financial Projection 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 seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 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 lagging posting of changes 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AK

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 2025-01-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently discovered a mistake in my credit report that does not align with my personal records, which has caused me some concern. This inconsistency could potentially affect my credit standing, and I would like it addressed as soon as possible. Please take the time to review my report and correct any errors you uncover. Thank you for your cooperation and for ensuring the integrity of my credit profile.

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 2025-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: CA

Complaint narrative:
I was online searching for loans to help pay off some debt. I didn't remember signing up with this particular company. They also sent emails addressed to someone named XXXX, whom I have no connect or knowledge of. I figured they had a mix up so I informed them that I didn't remember receiving the money or signe=ing a loan agreement. They sent the loan agreement. They were drafting and taking money from my account multiple ( up to XXXX times a month ). That wasn't in the agreement. I reported the transaction to my credit union who gave a provisional credit for all of the charges. Upon the credit unions ' investigation, they reversed the credit and left my account overdrawn. 
Although I did sign the agreement, the money taken from my account was on dates that weren't agreed upon and also for amounts different than what was agreed. This is now considered fraudulent and I can't get my credit union to protect my money or give back the money that shouldn't have been debited in the first place. I've since changed my bank account but still with the same credit union. The resolve that I'm seeking is a return of the money they shouldn't have taken ( credited back to my account ).

Company response to consumer: Closed with explanation