vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practices, which violate the Consumers Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an 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 this violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: FL

Complaint narrative:
Zelle problems if money sent to wrong person you don't get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I am filing this complaint regarding an inaccurate item 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 this item, as it is incorrect and does not reflect my true credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: AL

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 platform issues. 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 neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 formally file a complaint against Navy Federal Credit Union concerning multiple overdraft fees that have been applied to my account. These fees were charged despite having sufficient funds available at the time the transactions were authorized. The charges appear to be the result of delayed posting of debits and credits. This issue reflects the recent CFPB findings against Navy Federal, which highlighted similar practices where transactions settled with insufficient balances, even though funds were initially available. I believe these practices are unfair and request a thorough investigation into the transactions on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: ND

Complaint narrative:
I deposited funds into my Robinhood brokerage app via the instant transfer service provided on the app. My account was immediately locked ( I've used this service without issue in the past ) and my funds were seized by Robinhood, who's customer service refuses to communicate with me about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App. Cash App failed to provide me with customer service when needing help with a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: TN

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient 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 Credit Union 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complete with Capital One due to the failure of the deposit of my check from my employer. They have stated that they are having technical difficulties, which might violate the Electronic Funds Transfer act as it requires timely access to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 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 2025-01-17 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My XXXX account was somehow hacked and multiple large transactions were made using my debit card. All but one were caught in time and denied ; I disputed this one fraudulent charge that did go through. 

XX/XX/XXXX charge to XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ( ... XXXX ) for a debit of {$650.00} I immediately disputed this with my bank, Chase. 

XX/XX/XXXX Reversal : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ClaimId : XXXX ( XXXX XXXXXXXX ) for credit of {$650.00} Today, there is a pending charge on my Chase checking account for a reversal of the reversal. 
XX/XX/XXXX CLAIM REVERSAL : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CLAIMID : XXXX for a debit of {$650.00} I first called Chase to ask them about it, and they said the investigation was concluded and that both XXXX  and this " XXXX XXXX '' merchant provided proof that the transaction was valid- which is impossible since it was fraudulent. They told me too bad, out of their hands, and to call XXXX. 

I called XXXX and was told emphatically that they had refunded my debit card {$650.00} on XX/XX/XXXX at XXXX EST. 

I called Chase back and told them this, and they swear they have no record of any such transaction, and they also said that XXXX had already told them in their " investigation '' that the charge was valid. So someone, somewhere is lying to me, but I have no way to get to the bottom of this. I am stuck between these two big companies who keep trying to send me back to the other one, and I don't have any other recourse to recoup my stolen money. I hope you are able to help me with this because these two companies are completely unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 process was unfair and deceptive as they did not comply with error, resolution requirements under electronic fund transfer act 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service. unfair practices which violates the customer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected furthermore, the 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 call significant inconvenience and financial losses, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not receive my deposit for on time as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash app ( block, Incorporated ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app failed to take timely, and effective measures to prevent an address fraud on their prop form, leaving my account, vulnerable, and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with era resolution requirements under the electronic fund transfer act. 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 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
A credit card was open with Goldman Sachs to Apple with my information while I was under medically induced coma, an identity theft affidavit has been provided to the IRS because my taxes were filed as well. Police reports have been made. I have contacted Apple for years back to back about this in each time I speak to a supervisor or customer service representative and send the police report in They remove the balance dispute for a few months and then they added it right back with interest Apple has also banned my social for utilizing Apple Pay on my phone for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My pay date for direct deposit was scheduled for XX/XX/year>. It is now XX/XX/year>, and have not received my direct deposit from Capitol One. I Can not reach customer service due to high call volume. No est. time as to when I will receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: FL

Complaint narrative:
Please remove all incorrect information on the report

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 2025-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 2025-01-17 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 the transactions were authorized, I was charged fees due to lagged posting of charges and credit. 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 2025-01-17 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 am filling 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 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 Regulations 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My deposit usually is 2 days early. It did not go through on Wednesday XX/XX/25 as it normally would 2 days early. The main issue is that today is my actual payday and there has not been any deposit into my account. I don't expect it to be early but I also don't expect it to be LATE. My deposit is now LATE. TODAY is my direct deposit actual pay date and nothing is there and I can not contact Capital One as their line does not get you to a representative and when you ask for one the call drops. This is ridiculous and I need to be compensated for this late deposit that still has not yet occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I got scammed and sent the money through navy fed to navy fed transfer and complained when I found out this guy was malicious XXXX dollars I called and complained and navy fed said there was nothing they can do cant even use his email to seize the asset this moment literally messed me up for years my entire XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 am writing a complaint against Cash App ( block.ink ) due to inadequate customer service and unfair practices which violate the Customer financial protection act. ( cfpa ). Specially, cash app failed. To take timely and effective measures. Prevent. and address. Fraud on their platform. Leaving my account vulnerable and unprotected furthermore the 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent the address fraud for all on their platform leaving my account vulnerable and unprotected furthermore their dispute process was unfair in deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E These actions have called a significant inconvenience. And financial loss. And I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 EXXXX These actions have caused significant inconvenience and XXXX XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital is seeing me for a debt that has been disputed numerous times in the amount of XXXX dollars, and XXXX dollars, they keep restarting the debt collection as I kept letting them knownthat.my personal information was breach and I was unaware of this company or the charges they are showing. I also have a debt collection company XXXX  suing me for a XXXX debt collection and a XXXX dollar collection that is not mine and it has not been removed from my credit after numerous time of disputing and showing the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2025 i was upposed to receive my direct deposit from capital one bank from my job because i get early pay and when that day came and went i thought nothing of it because this just happened before because of the holiday. now XX/XX/XXXX i was not sent a notice or message that my funds where missing i called capital one numerous times thourgh the course of the day to rectify the situation only to be told by there employee that the situation would be resolved by the end of the day and now XX/XX/XXXX is here and i along with thousands of others are still in the dark about this sitiuation

Company response to consumer: Closed with explanation