vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
There was funds being drawn out without my permission, me sending money and it not going to the right person. They updated it, and they didnt notify us previous of the problem of sending money and it going to the wrong person and making sure its the right person and not being able to get your money back.

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: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding 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 2025-01-17 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 filling a complaint with CFPB rEGARDING CAPITAL ONE 'S FAILURE TO DEPOSIT MY DIRECT DEPOSIT FROM MY EMPLOYEE AND ANY OTH INCOMING DEPOSITS.cAPITAL ONE HAS CITED TECHNICAL ISSUES.WHICH MAY VIOLATE THE ETECTRONIC FUNDS TRANSFER act ( efta ) as it reqires timely access to funds.this situation raises concers about consumer protection laws.and i request your assistant 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: 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:
Navy federal have been charging a non active account over draft fees which is resulted in account being in the negative over XXXX when the account was at a XXXX balance.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings 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 2025-01-17 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:
l 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX I reached out to Experian about multiple fraudulent accounts and inquiries on my credit files. 

I was given a date of XX/XX/XXXX, to have these investigations finalized. on XX/XX/XXXX, I was emailed and updated by Experian about the Accounts and inquiries. All accounts and all inquiries were deleted as of XX/XX/XXXX. Refer to report number XXXX. 

Included was an account by the name of XXXX. account number XXXX, which was also deleted. See attached photos of before and after of my credit report. 

On XX/XX/XXXX I was notified that I opened a new dispute. This was false, and it was initiated by Experian. The deleted account was put back on my credit report. I have been on the phone for XXXX hours to speak to someone. The wait time said XXXX minutes. While I'm still on wait the updated dispute results have been provided. 

After receiving an update on XXXX XXXX XXXX, that it was deleted, and now over 30 days later ( which would've been XX/XX/XXXX ) they reopen the investigation which is highly illegal. 

They have XXXX days to investigate the matter. The investigated, closed and deleted the matter on XX/XX/XXXX. Now XXXX  days later they re-open the dispute on their own? My personal information is being used fraudulently. please refer to report number and before and after photos on the credit reports. Experian is not following the law.

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: 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 Electronics Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern 's about the consumer protection laws, and i request your assistance in investigation 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: Early Warning Services, LLC
State: LA

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. 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 2025-01-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.

Company response to consumer: Closed with non-monetary relief
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: MS

Complaint narrative:
My institution informed me that recovering my lost fund wasnt possible and I am expressing my concerns regarding the handling of Zelles disputes in light of CFBSs lawsuit and significant issues with the platform.

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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My employer submitted my direct deposit to Capital One timely and for the correct amount, scheduled to be disbursed to me by XX/XX/year>. Due to a system issue with Capital One, my funds have still yet to be made available. The company does not provide any meaningful responses to requests for information and is clearly utilizing PR approved language instead of addressing consumer concerns.

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: MD

Complaint narrative:
I am a member of capital one bank with a checkings account enrolled in their early direct deposit program. On thursday XX/XX/year>, i was meant to receive my early deposit however i had not received it all day. I could not get into communication through customer service for a while until i received an email around XXXX that same day in regards to the issue. They issued a statement stating that there was an issue with their lender that caused in outage in their systems that wont allow them to release mine and millions of other customers early direct deposits. The email stated that the issue would be resolved by the same day, XX/XX/XXXX, or the next day XX/XX/XXXX. It is now XX/XX/year> at XXXX and I still not have received my direct deposit which typically, without enrollment in early pay, comes on fridays. The week coming begins with a bank holiday meaning that If i do not receive my deposit by today i will not be receiving it until tuesday XX/XX/year>. This puts me at an inconvenience as I have bills and other affairs to attend to regarding my deposit.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
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: GA

Complaint narrative:
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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violated 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, 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling disputes in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despites using Zelle numerous times and reporting discrepancies, my financial institution and Zell 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 the consumer but has also allowed repeatedly for offenders to exploit and that advantage of their platform, leaving vulnerable users like myself victims to scams, fraud and simple errors. They continue to disregard the common man to profit from the transactions and expenses required to accurately investigate issues. The lack of accountability and transparency is unacceptable in todays society and raises suspicion upon the intentions of such neglect within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX, a grocery store located on XXXX XXXX in XXXX, GA, to purchase groceries in anticipation of a snowstorm. The total amount due was {$98.00}, which I attempted to pay using my Cash App card, as I had sufficient funds for this purpose. However, the transaction declined three consecutive times. Despite the declines, the funds were deducted from my account. I brought this to the attention of the cashier, showing them my Cash App balance as evidence of the charge. The cashier explained that the transaction was never processed on their end and advised me to contact Cash App for further assistance. As a result, I was unable to complete my purchase and was forced to leave the store without my groceries. Furthermore, I initiated a claim to retrieve my {$98.00}, but the issue was disputed three times, and I have yet to receive a resolution. I possess receipts documenting the declined transactions, which correspond to the time and date the funds were deducted from my account. Unfortunately, neither Cash App nor XXXX XXXX has provided assistance in resolving this matter, leaving me frustrated and without a refund.

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: LATIN AMERICAN FINANCIAL
State: VA

Complaint narrative:
I sold my mortgage on XXXX XX/XX/XXXX. However, lender kept sending mortgage statements and reported late payments to credit bureaus. This was due to the buying bank/lender not paying off in full the outstanding balance of my mortgage on time. 

I contacted my mortgage lender ( BPPR ) multiple times letting them know about the sale but they still reported the late payments. Also contacted the buyer 's lender/closing officer and learned that they paid out the outstanding balance two months after closing the sale ( XXXX XX/XX/XXXX ). 

This adversely impacted my credit report with delinquent payments. Even though I provided the closing disclosure from the house sale and the new buyer 's deed to my mortgage lender they still reported the delinquent payments. 

My Mortgage Lender is XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ). 
Buyer 's Lender is Latin American Financial.

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: VA

Complaint narrative:
I sold my mortgage on XXXX XX/XX/XXXX. However, lender kept sending mortgage statements and reported late payments to credit bureaus. This was due to the buying bank/lender not paying off in full the outstanding balance of my mortgage on time. 

I contacted my mortgage lender ( XXXX  ) multiple times letting them know about the sale but they still reported the late payments. Also contacted the buyer 's lender/closing officer and learned that they paid out the outstanding balance two months after closing the sale ( XXXX XX/XX/XXXX ). 

This adversely impacted my credit report with delinquent payments. Even though I provided the closing disclosure from the house sale and the new buyer 's deed to my mortgage lender they still reported the delinquent payments. 

My Mortgage Lender is XXXX XXXX XXXX XXXX XXXX ( XXXX 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 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: TX

Complaint narrative:
The Capital One outage started XX/XX/XXXX, and we weren't informed of their payment direct deposit outage until the end of day XXXX XXXX. We were told our direct deposits would be in today XX/XX/XXXX and we have not received it. We still have no official statement from Capital one other than that email we were sent last night. This has caused great damaged as I still live paycheck to paycheck. I don't have money for groceries, gas and now my bills are late. This is truly unacceptable and action must be taken!

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: IL

Complaint narrative:
I have reported unauthorized Zelle payments and have never got a resolution

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B.

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: CA

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 2025-01-17 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I used Zelle numerous times and reported discrepancies, my financial institution and Zelle failed to investigate my claims. The CFPB findings indicated that not only that zelle neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation