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 — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one since XX/XX/XXXX has not been releasing consumers funds my check from my employer that me and and many others worked many hours for has not been released to me my employer sent it XX/XX/XXXX capital one did not bother letting us know what's going on till XX/XX/XXXX at XXXX XXXX  CST and even at that they said this would be resolved by today XX/XX/XXXX in the morning it is now XXXXXXXX XXXX CST no funds... they have added extra security to log into your online banking as well by sending a code to your texts messages and is now locking us out if you log in too much, successful log ins may i add as if we shouldn't be logging to check on our funds... they lock you out to where you have to call but reps are not answering/hanging up this is our money we worked hard for and they wont even provide compensation. Our bills have late fees now, people that need their funds to live and support a family. Capital one wont even have the decency to explain or acknowledge us this is unacceptable they keep saying by the end of today then say the next day its just the run around especially after they are facing a lawsuit regarding to stealing funds what is happening with our money i need my check that i worked for to live.

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: NV

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 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

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 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I was XXXX in XXXXXXXX XXXX XXXXXXXX and i was XXXX  in XX/XX/XXXX and my bank account with USAA had been closed i want a full investigation i had no access since 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

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 yo 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.

Recipient empty account so nothing could be recouped

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Inaccurate inquiry information on Experian credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bank with Capital One and normally get paid early on Thursdays this case would have been XXXX, but this time i never received my deposit ( no big issue as it's a convenience ). Later that night ( XXXX ) Capital One sends out an email at XXXX saying they are having " system issues '' that are impacting deposits, payments and transfers. They also stated in that email that " they expect services to gradually begin to return to normal throught the day XXXX ( but sent an email out at the end of the day ) and majority of the issues get resolved by Friday morning XXXX. We'll here I am writing you now to say it is XXXX cst and I have not received my direct deposit on the acutal day that I should have received my check which is absurd by all means. In addition, another full day has almost went by and Capital One still has not provided any other update or giving some kind of clarity on when this issue will be fixed.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want these accounts removed XXXX XXXX XXXX {$590.00} Opened XX/XX/2024 XXXX XXXX XXXX {$2000.00} Opened XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} Opened XX/XX/2024 XXXX XXXX  XXXX XXXX XXXX$4600.00} Opened XX/XX/2024 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I did a balance transfer 2 to be concise the 3 one by error i paid off XXXX  XXXX instead of XXXX It was a accident, I then recieve a TEXT from WELLSFARGO is this you do you approve this I responded No, cause i wanted the funds to go back to Wellsfargo acct, I called I have PROOF phone records over 15 times asked why am I locked out of my accoount for days I couldn't utilize my card they if you listen to the recorded messages they kept LYING gaslighting me shifting me for hrs at a time back and forth to the FRAUD dept, this went on 3 weeks again check the recorded conversation, I then get a survey asking how is their service I told them its horrific and they are incompent well from that moment on they placed me still to this day my account in a FRAUD FILE meliciously and will not remove it and if you check my credit score droped XXXX points I then was told over the phone we cant help you you need to go to the New York Bank mind you I am battling a severe medical condition I reside in XXXX, the New York location is 2 hrs away to and from I make a appt with XXXX XXXX XXXX I was in his office XXXX hours they kept abusing me I found out this is typical of Wellsfargo they do this to customers that write honest negativ reviews and they harassed me and the Banker if you listen to the tape for XXXX hrs and never allowed me to perform my balance transfer my spouse is in law enforcement and said just google them they got a big F from the BBB they were busted for alot of fraud and are literally gangsters, I need someone from this dept to ask why did it take XXXX hrs of my time and the Bankers time in XXXX they countinued to XXXX  and XXXX me and an additonal XXXX hrs combined I will submitt proff of text I received when they kept LYING sorry we dont have your number the Banker XXXX XXXX off the phone was on speaker and hes telling XXXX XXXX XXXX XXXX XXXX who was in the the XXXX  XXXX  XXXX is on the screen and her phone number and shes here showing me text and emails from XXXX these peoplea are XXXX  XXXX  XXXX  and have cost me mental and emotional distress, Please crack the whip get ALL THE RECORDED CALLS and the XXXX hours they made me go to XXXX and continued XXXX  me, the Banker name is XXXX  XXXX career criimals need to be held accountable They are so vengeful they dropped my XXXX XXXX which was in the Excellent range XXXX Points just google them please, I was told by my neighbor they took a deed out on her home and she had to file criminal charges on them several yrs ago

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 
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: 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 anc 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: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses 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: AL

Complaint narrative:
I am filing a complaint against cashapp ( Block, inc. ) dut to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) wnd 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: 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 ar 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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One experienced an apparent issue with a third party vendor. Capital One failed to notify customers of the issue in what would be considered a timely manner. At XXXX XXXX  on XX/XX/XXXX I received notice that an issue was taking place affecting deposits, which was already apparent due to delayed receipt of expected Payroll Funds. This email included expected resolution by Friday morning. 

It is currently Friday, XX/XX/XXXX, and XXXX XXXX  est. Funds are still not available, I have payments coming out of my account that my payroll is intended to cover, and Capital One is unreachable and has not offered any further assistance. 

I believe this lack of attention by to customers and the issue at hand may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This also raises questions about consumer protection laws, and I request your assistance in investigating the manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
i would like to file a complaint with Capital One with their 360 savings account their 360 " high yield interest '' savings account. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about their superior rates offered by the 360 performance savings account. this deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. i seek redress for the misleading practices and failure to fulfill their advertised promises.

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: IN

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effectively 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: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My paycheck was supposed to be deposited into my account on XX/XX/XXXX. The funds were deposited into Capital One by my employer. They have not been dispersed, as of XXXX XX/XX/XXXX. I have received no communication or explanation. I have sat on hold twice for over an hour each and been hung up on each time. This has caused major problems for me. I am in the process of purchasing a home and unable to meet my financial obligations. My family of XXXX has {$54.00} to last the weekend.

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: AR

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: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My vehicle was repossessed while ill. First repossession I called to inform Ill be a little late being I had XXXX. Instead of offering a deferment she said the lady said No problem, Westlake is here to help you. 3 days later when I step outside I see my vehicles gone. Paid to retrieve the vehicle including repossession fees to be charged the same repossession fees plus more than triple what I paid. Rekeyed the vehicle also. Repossessed it again while I have payments during surrounding months. Paid again to have more fees added later and personal items stolen and used. Had a XXXX and was off work awaiting compensation and vehicle repossessed again. Made a deal to pay off vehicle and sent total amount agreed on to release vehicle and send title. Called to get location of the vehicle and was given a disconnected phone number and all calls are now only automated saying I owe more money. I paid in full the amount agreed. Theyve sent my vehicle to an auction yard and rekeyed 3 times without my permission and ship it to other cities when I pay to take possession of it. Now cant access a supervisor or anyone on the phone at all. Avoiding my calls and gave me misleading information as to where my vehicle is located. I have recorded conversations with them as well.

Company response to consumer: Closed with explanation