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: FL

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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Direct deposit from my employer has not been released in my account due to a technical issue per Capital One Bank. The deposit should have been available on my payday XX/XX/year>. Unable to speak to a representative. The phone hangs up after requesting to speak to someone.

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding a rewards offer promoted by Chase. On XX/XX/ XXXX XXXX Chase 's website displayed an offer of {$25.00} cash back for a purchase of {$130.00} or more from the merchant XXXX. Prompted by this promotion, I made a qualifying purchase from XXXX on the same date. 

As of today, XX/XX/ XXXX  the offer has been removed from Chase 's website, and my account no longer reflects that I redeemed the promotion. This situation appears to constitute mismarketing, as I relied on the terms of the offer when making my purchase. 

I am requesting Chase upholds the terms of its advertised promotion and issues the {$25.00} cash back reward as promised. This matter impacts consumer trust and the transparency of marketing practices. 

Thank you for your attention to this issue. I am happy to provide any additional information needed to assist in resolving this complaint.

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: SC

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to an 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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: 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 complete against Cashapp ( Block , Inc. ) due to inadequate customer service An unfair practices, which violate The Consumer 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 these actions.

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: MS

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 late 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 2025-01-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was supposed to receive my direct deposit from my job in my account on XXXX XXXX XXXX After not receiving anything or any information on my check was late, XXXX XXXXXX/XX/XXXX came and still no money. Called customer service, waited on the phone for over an hour to be told we dont know anything its probably a concern with your company. After reaching out to my company and being told the bank received my direct deposit, I called capital one again to be on hold once again for over an hour to be told no information. We are now on my actual company pay day XX/XX/XXXX and I am XXXX of hundreds who bank with capital one and we are not receiving the money we worked so hard for. XX/XX/XXXX I was told that the earliest I could receive my check would be XX/XX/XXXX or even XX/XX/XXXX. That is over a WEEK of not receiving MY money.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I'm reporting about Cash App ( Block , Inc . ) because of their unjust methods and poor customer service, which are against the Consumer Financial Protection Act ( CFPA ). In particular, Cash App left my account exposed and unsafe by failing to take prompt and appropriate action to stop and handle fraud on their platform. Additionally, because they failed to adhere to the Electronic Fund Transfer Act 's ( EFTA ) and Regulation E 's error resolution criteria, their dispute resolution procedure was unfair and misleading. I demand adequate remedies for these infractions, which have resulted in significant financial loss and inconvenience.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This morning, I was shocked and frustrated to discover an unauthorized inquiry on my credit report. I double-checked by refreshing my browser, but the issue remained. I demand an immediate and careful review of the documents I provided to resolve this issue once and for all.

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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I bank with Capital One and I usually get paid on XXXX between XXXXXXXX XXXX I get on to the app to check that my paycheck went through and there was nothing in my account except what I already had. I was supposed to get XXXX ( and some change ) for my paycheck and I got nothing. I am now behind on XXXX of my credit cards because I couldn't pay them. I am, however, able to spend the little amount that I do have. Funny how that happens.

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:
Capital One is not depositing my direct deposit. XX/XX/year> I need access to my money since this is my main account

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 this complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer Financial protection act ( CFPA ), specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore, 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

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

Furthermore, their dispute resolution process was both unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused significant inconvenience, financial loss, and unnecessary stress, and I am seeking appropriate redress for these issues.

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 filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CPFA ). 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 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: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. 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 investing 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 overdrafts fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB Finding 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: PA

Complaint narrative:
i am filing a formal complaint with the Consumer Financial Protection Bureau against Cash App and its parent company, Block , Inc., for inadequate service and unfair practices. Despite multiple attempts to resolve issues such as unauthorized transactions and missing funds, the company has failed to provide proper assistance or resolution. These actions appear to violate the Electronic Fund Transfer Act, which requires prompt investigation and resolution of errors, as well as the Federal Trade Commission Act, which prohibits unfair and deceptive business practices. I am requesting a full resolution, including a refund or compensation, and trust the CFPB will assist in addressing this matter.

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 Capitol One 's failure to deposit my direct deposit from my employer. Capitol 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: 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:
I am writing to bring to your attention a serious issue I have been experiencing with Equifax regarding my credit report and their refusal to comply with the Fair Credit Reporting Act ( FCRA ) Section 605B. After submitting the necessary documentation, including a police report and FTC reports regarding fraudulent trade lines, I expected Equifax to act promptly. However, they have failed to comply with the law, which stipulates that upon receiving such documentation, they must block the fraudulent accounts from reporting on my credit report within XXXX days. 

Instead of taking appropriate action, Equifax has placed my case in a XXXX dispute and falsely claims that the creditors have verified the accounts as correct. To investigate this matter further, I reached out directly to the banks reporting these fraudulent accounts. Each bank confirmed that Equifax never contacted them regarding the trade lines in question. This behavior is troubling, as it appears Equifax is prioritizing its financial interests over the legal protections afforded to victims of identity theft and fraud. 

It is critical for credit bureaus to understand that cases of identity theft are not ordinary disputes. These are serious matters involving fraud where someone has obtained credit, merchandise, or loans in another person 's name. The ongoing presence of these fraudulent accounts on my credit report has caused immense pain and suffering, preventing me from obtaining necessary credit to care for my family and meet our needs. 

XXXX years ago, I filed a lawsuit against Equifax, which they settled, acknowledging their wrongdoing. More recently, I filed a second complaint lawsuit against them but chose to pause the proceedings, hoping they would take the necessary steps to resolve this matter and restore my credit. 

I was disheartened to learn that the CFPB is currently suing Equifax for {$15.00} XXXX for similar failures to comply with the law. This tells me that millions of people are being held liable for their failure to provide adequate oversight. It is my hope that you take my situation seriously and take the necessary actions to ensure my credit report is corrected, restoring my reputation in the process.

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 Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take time timely and effective measures to prevent and address fraud on their platform, leaving my account venerable 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 to 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: SC

Complaint narrative:
I am filing a complain against Cash App ( block inc. ) 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 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 electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation