vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I'm sure you've all heard of the bonus rewards miles if you sign up for a sky miles card when flying with delta. They have the flight attendants walk down the isles handing pamphlets out and when you're checking a bag they also will ask you to sign up. 

Around 5 months ago I signed up for a card at baggage check after the attendant was aggressively trying to get me to sign up ( I think they must get a commission ). She hyped up the card saying you will get these miles and it'll be enough for you and another person to take a trip anywhere in the states. I was excited and have been patiently awaiting my bonus miles to come through. 

The stipulations were : spend {$2000.00} in the first 3 months. 
Pay the required monthly payment before is overdue I spent over XXXX and never had an overdue balance. 

Fast forward to today. I called Amex to find out why it was delayed and they let me know my welcome bonus had been rejected! I was furious because that was the only reason I had signed up for this card. They couldn't tell me why it was rejected only that it was final. 

Here 's the kicker, I read through the entirety of the terms and conditions. The offer terms clearly state " if you do not qualify for the welcome offer bonus you will be made aware before your application is submitted, at that time you will have the opportunity to withdraw your application before submission ''. Signing up through delta I was told no such thing, only that I'd love the card and my bonus sky miles. At the very least Delta/Amex partnership is flawed and i should not be penalized because they need to improve their process. 

I communicated all of this clearly to the online chat and via phone call and basically was told that I can pound sand. I am furious at the dishonesty and greed displayed by this company and am lookin for options. Regardless of why my welcome offer was rejected, It's clear I'm in the right after going through the terms and conditions. 

Any advice?

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Bankruptcy XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX Late Payment XXXX XXXX XXXXXXXX - {$0.00} Inquiry XXXX XXXXXXXX XXXX - XX/XX/XXXX Personal Information Also Known As : XXXX XXXX Current XXXX ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/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 2025-01-18 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 filing a complaint with the CFPB regarding Ones failure to deposit my direct deposit from my employer on XX/XX/XXXX after midnight like normal. Capital One had 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 full assistance in investigating this matter to ensure my rights upheld. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdrafts, overdraft fees and rejected charges I have incurred. Even though I had sufficient funds when the charges were made, I was charged an overdraft fee and when I couldnt pay my account was eventually closed. It has since been reopened and they still lag on posting charges and credits. This issue directly aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settle with insufficient funds 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: VA

Complaint narrative:
I am filling 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. The actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently reviewed both my XXXX and Experian credit reports and noticed this fraudulent, unauthorizod enquiry on my credit reports. XXXX XXXX XXXXXX/XX/year>. I didn't apply for anything. I didn't authorized this enquiry :.

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

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Violation of My Rights Under the FCRA Due to Equifax Data Breach Dear Equifax , I am writing to formally notify you that I am a victim of identity theft and financial harm as a direct result of the Equifax data breach, which exposed the personal information of millions of consumers. Your failure to protect my sensitive consumer data has led to the unauthorized disclosure of my personal information, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
As a consumer, I have a legal right under the FCRA to expect that credit reporting agencies, such as Equifax, will maintain accurate, secure, and fair handling of my personal and credit information. Your failure to adequately protect my data constitutes negligence and a direct violation of these rights, particularly under : 1. 1681b - Permissible Purposes of Consumer Reports : Unauthorized third parties may have gained access to my credit information due to this breach. 
2. 1681c-1 - Fraud Alerts and Security Freezes : I now have to take extensive measures to prevent further identity theft due to Equifax 's failure to protect my data. 
3. 1681n - Civil Liability for Willful Noncompliance : Your failure to properly secure sensitive consumer data may result in legal liability for damages caused by this breach. 
As a direct consequence of this breach, I have experienced fraudulent activity, such as unauthorized accounts. This breach has caused severe financial and emotional distress, and I am demanding immediate corrective action. 
I formally request that Equifax take the following actions : 1. Remove These fraudulent accounts : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX 2. Provide a detailed explanation of the steps Equifax is taking to mitigate the damage caused by this breach and how affected consumers are being compensated. 
3. Compensate me for any financial damages or losses suffered due to this breach and provide identity theft protection at no cost for a minimum of five years. 
I will be pursuing all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for violation of the FCRA and failure to protect consumer data. 
I expect a written response within 30 days confirming the actions taken in response to this letter. Failure to respond adequately may result in further legal action. 
Sincerely, XXXXXXXX XXXX

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:
Zelle authorized this transaction without my consent.I did not know the receiver of the funds.I was told I would be refunded and I still have not yet heard or received any returned funds.I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint against PayPal ( PayPal Holdings , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, PayPal 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 non-monetary relief
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: TX

Complaint narrative:
I am writing to formally express my concerns regarding zelle 's handling of despites, 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 transaction was unfeasible the cfpb 's neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raise serious concerns 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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Well Fargo credit card XX/XX/year>XXXX  {$2900.00} I have a problem getting this credit card off my credit report and fully dispute that charge. I was XXXX  at the time, so theres no way Im responsible for this tremendous debt. I have proof who had access to my information which who was responsible for my credit report going down drastically.

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

Complaint narrative:
I would like to file a complaint against Navy Federal Credit Union due to multiple over draft fees on my account. I had sufficient funds when transactions were authorized. I was charged overdraft fees because they waited to post charges and credits. This aligns with the recent CFPB findings against Navy Federal for similar practices, for transactions settled with insufficient balances despite having available funds. I believe these practices are not fair 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: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
unauthorized {$250.00} money transfer on XX/XX/year>XXXX  contacted my company told me theres nothing they could do on XX/XX/year>XXXX  {$470.00} was taken from my account to an unknown XXXX user. overall had a terrible experience with my bank and XXXX

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX via certified/return receipt mail, Capital One Auto Finance was issued a cease and desist regarding the continued collection of an auto loan which was fraudulently established. 

On XX/XX/XXXX, Capital One Auto Finance responded with both a copy of the fraudulently established contract and a copy of my account history indicating that this was the information requested. My request was gravely misunderstood or grossly disregarded. 

On XX/XX/XXXX, I responded to Capital One Auto Finance, via certified/return requested mail, with a 30 page packet which, in addition to the payment history sent to me and labeled as XXXX XXXX XXXX, included : XXXX XXXX XXXX Rescission of Contract sent to XXXX XXXX XXXX XXXX XXXX Demand for down-payment/trade-in value sent to XXXX XXXXXXXX XXXX XXXX XXXX Federal Trade Commission Dispute Letter/Notice to furnishes of information XXXX XXXX XXXX Identity Theft Report XXXX XXXX XXXX Complaint to Texas Attorney General XXXX # XXXX XXXX  Complaint XXXX XXXX  XXXX Credit Report showing Capital One Auto Finance account listed XXXX XXXX XXXX Cease and desist XXXX XXXX XXXX Copy of contract Capital One Auto Finance, operating in collaboration with XXXX XXXX has yet to respond to my request and has subjected me to organized crime. 

Organized Crime is defined as : criminal activities that are planned and controlled by powerful groups and carried out on a large scale.

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: 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 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: 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 there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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 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 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: VA

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 platforms, 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-18 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: MD

Complaint narrative:
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