vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Block, Inc.
State: SC

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 andXXXXXXXXfinancial 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: 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of any items incorrect off my report.

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: WI

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: MI

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 was impossible and that tracking these transactions was infeasible. 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 invulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute with this company about account number XXXX. This is XXXX XXXX. I was recently notified of CFPB filing a lawsuit against Experian for allegedly accepting unreliable information, failure to notify consumers of results. This is the situation I have with Experian. Experian did not try to remove, resolve or correct this information. I am requesting this derogatory information be removed or corrected immediately as it is effecting my chances to purchase a home, car or maintain a better credit score. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-18 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:
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 inadequately. 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. The 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE BANK!!!!!!!!!!!!!!!!!!! 
My direct deposit did not hit my checking account on XXXX XXXXXX/XX/XXXX. Apparently, Capital One encountered an issue on Wednesday the XXXX but did not notify me until almost XXXX XXXX night. Customers were told that the issue should resolve by this morning, Friday the XXXX. It is currently XXXX XXXX finds still have hit my account and its a XXXX day weekend. I am stressed and in a bind and need my money asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX due to their failure to comply with loan transfer notification requirements, lack of transparency, and the imposition of an excessive prepayment penalty. Below, I detail the key issues : Background Information Original Loan Agreement : My mortgage loan originated with XXXX  under terms that stipulated : Prepayment or property sale between the XXXX and XXXX month would incur a penalty of XXXX % of the original loan amount. 
No provisions allowed for penalties exceeding this threshold during the specified time frame. 
Loan Transfer Notification Failure : On XX/XX/year>, my loan was transferred to XXXX XXXX XXXX XXXX XXXX without my knowledge or consent. 
I never received a formal notification or documentation regarding this transfer, nor did I receive the lenders contact information, as required under XXXX XXXX XXXX XXXX XXXX XXXX of RESPA. 
Prepayment Penalty Dispute : Despite XXXX months of on-time payments, I was informed by the loan servicer of a {$12000.00} prepayment penalty as I prepared to sell my property. 
This penalty is inconsistent with my original loan terms and unjustified, given my agreement with XXXX. 
Lack of Transparency from the Loan Servicer : The servicer has refused to provide direct contact information for the lender, XXXX XXXX XXXX XXXX XXXX obstructing my ability to resolve the issue directly. 
Legal Basis for the Complaint Violation of Loan Transfer Notification Requirements : XXXX XXXX XXXX XXXX XXXX  failed to notify me of the loan transfer as required under XXXX XXXX XXXX XXXX XXXX XXXX depriving me of the ability to address issues with the lender. 
Unfair or Deceptive Practice : The imposition of an excessive prepayment penalty constitutes a violation of consumer protection laws under the XXXX XXXX, as it deviates from the original loan terms and lacks transparency. 
Servicers Failure to Ensure Transparency : The loan servicer violated XXXX XXXX XXXX  by failing to facilitate communication between me and the lender. 
Requested Relief Investigation : I request that the CFPB investigate XXXX XXXX XXXX XXXX XXXX for violations of RESPA and other applicable federal regulations. 
Access to Lender Information : I seek assistance in obtaining the lenders direct contact information to resolve this matter. 
Resolution of Prepayment Penalty : I request that the {$12000.00} prepayment penalty be waived or adjusted to align with the original agreements terms. 
This matter is urgent as I am preparing to enter XXXX XXXX XXXX  and require timely resolution. I look forward to your assistance in protecting my rights as a borrower. 

Thank you for your time and support. 

Sincerely,

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I found on my consumer report in XXXX of 2024 that account number XXXX is listed as a closed account with a balance of {$240.00} and noted as charged off by the debtor. I have requested a XXXX for this because now it is income for me and have not received XXXX. Even though it has been charged off, I am still receiving calls attempting to collect payment for this.

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: IN

Complaint narrative:
Money was transferred from my account and I wasnt aware of it.

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: MO

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 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 XXXX 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: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX called me to settle a debt with California Check Cashing. So I heard them out, they wanted me to pay with a pre-paid card. I asked why can't pay with a check or money order. He said no. I thought it sounded pretty sketchy, so I called California Check Cashing, they said come down and will talk more about it. So I did Spoke to XXXX  the store manager and gave me info to call Corporate, he said it sounded like a red flag. I was not in Corporate systems, so they told me to report to CFPB and that's what I'm doing now. Corporate look to see if there is a " XXXX XXXX  '', and the business went under and there's no such thing as " XXXX XXXX XXXX'. I believe there taking old information and making people pay old debts that have already been taking care of. That's my story.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-01-18 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filling 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. The situation raises concerns about consumer protection laws, and I request your assistance to investigate 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: 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 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 these violations. XXXX  of last year {$3500.00} was falsely claimed from an identical match of a cash app user I was intentionally trying to send it to. I followed the proper steps within XXXX minutes of noticing the mistake. Cash App representatives hung up my calls, even tried to charge me {$200.00} to return my funds. I never received my money back. I believe that because the money was so large they decided to take advantage of the issue, when before Ive had {$20.00} returned. My {$3500.00} sat there for weeks without being accepted to the user, I was told that the account would automatically send back after a few days of no acceptance. The account ended up blocking my account and I believe it may have been a fraud success. I was purchasing a car from a salesman and have all receipts of this occurrence.

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: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have information on my credit report, that is fraud i never had XXXX XXXX  attached an all them other things on my report im XXXX an never used credit before

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 2025-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
In XXXX of XXXX, I began a loan agreement with XXXX XXXX XXXX for a {$15000.00} loan for a used XXXX XXXX XXXX. I agreed to pay {$420.00} a month and imagined I would finish up payments in about XXXX years according to the amount that I was paying per month and my own calculations. 

In XXXX of XXXX, I inquired to an XXXX XXXX XXXX representative about the amount of money left in the balance owed on the vehicle. She informed me that I owed {$14000.00} and I was immediately confused about where the {$7000.00} that I had paid over the past XXXX years had ALL been applied to interest. My XXXX sank to my stomach and I immediately felt betrayed and taken advantage of as a XXXX XXXX XXXXXXXX XXXX that is working on making my way in America. After this experience, I began to research and see that I am not the only one that has had this experience and in fact thousands of others could relate. 

The following month I reached out to inquire if I could refinance my loan and at lower my payment for a short period while I was searching for new employment. They informed me that American Credit Acceptance doesn't refinance. Once again, I am asking myself how I ended up indebted to such an egregious company. 

Finally, after not finding new employment and not feeling like scraping and scrapping to pay a company and none of the funds being applied to the principal balance ; I called and asked how I could surrender the vehicle to the company and I was informed that I had to go to a car dealership and arrange a sale of the vehicle and direct the money from the sale to American Credit Acceptance. I have never sold a car and I know I am not going to get an offer anywhere close to {$15000.00} for a used XXXX XXXX XXXX XXXX 

If any business deserves to have their dealings looked into, it is this XXXX. They are literally robbing regular working class Americans.

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:
I am waiting informally expressed my concern regarding Zelle handling of dispute, partially in light of recent CFPB lawsuit highlighting significant use with the platform, despite using Zelle numerous times and reporting dispute. My financial influence in Zelle failed to investigate in my claims they informed me that recovering lost funds is impossible the CFPBs finding incident that Zelle not only neglect to protect customers, but has also allowed repeat offenders to exploit the system have leaving users vulnerable to scams

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: FL

Complaint narrative:
Capital One has not cleared our direct deposits in a timely fashion. We usually receive our direct deposits around XXXX p.m. EST on payday which usually comes in on a Wednesday afternoon. The deposit did not come through as expected on Wednesday XX/XX/scrub> 2025. Capital One did not promptly notify their customers of any issue. They communicated via email ( over XXXX hours later ) on Thursday, XXXX XXXX, 2025 that the issue would be resolved by next day morning. It is now XXXX p.m. on a Friday night and we still have not received our direct deposit. After XXXX hours of being on hold with Capital One customer service and requesting a supervisor, I was told that they did not know when the issue would be resolved. Monday, XX/XX/year>2025 is a XXXX, putting us at hopefully Tuesday. When I asked what happens to the late fees we are incurring, the supervisors response was That may be an option after it is resolved When asked if it isnt resolved by Friday before the long weekend, would we have to wait until Tuesday and I was met with silence or I wish I had a better answer for you. Not having our direct deposit as expected has affected my credit and I am incurring late fees I can not afford to pay. They have not been transparent and forthcoming with the issues. They have chosen to not keep their customers informed. Their lack of customer service and funds disbursement issue should be penalized. As a consumer, we are practically begging them for our hard earned money and they have disregarded their duty to the public.

Company response to consumer: Closed with explanation