vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IA

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there 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: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
My mother died on XX/XX/XXXX. We sent her death certificate in to Ally bank the following week. My brother who was the 99 % beneficiary spoke with them, they verified his information and cut a check to him within 7-10 business days. I received a letter from Ally requesting I call them immediately, which I did. I verified my mailing address and my instructions to receive the balance of my mothers account. They informed me at the time it would be 7-10 business days. 

I received an account statement under my mothers name on XX/XX/XXXX showing her account still open and the balance that should have been sent to me still in her account. I called them back on XX/XX/XXXXXXXX and received apologies, they said they didnt know why there was a delay, the case was still open. They assured me they would expediate the case and I should receive a check in 7-10 days. 

XX/XX/XXXX and I still havent heard from them or received the check. I called them again and was told initially that I just had to wait, I requested speaking to a supervisor, the supervisor told me it had never been rerouted to the approperiate department but she would after verifiying my address again and reroute it. She suggested I call again next week to confirm status. 

While we wait for the case to close my mothers account remains open but restricted, meaning she will not be earning interest even though they have kept her account open. Why wont she be paid interest? I do not like the fact that her account remains open, that leaves her open to fraud. I have contacted Social Security, Medicare and the credit bureaus but still I worry that someone will fraudulently use her name.

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

Complaint narrative:
My paycheck did not deposit Thursday morning ( XXXX ) as the per usual into my checking account. The only info I had provided to me was the mobile app which said they were having " technical issues with a third-party vendor ''. After going online, I found out this was a widespread problem of other countless Capital One customers. People had not received their deposits Wednesday or Thursday. When I called a representative on the XXXX in the afternoon ( XXXX ish ), I was told again it was " technical difficulties '' and it should be resolved by the end of day. By XXXX on Thursday, I received the first ( and only ) formal notification from Capital One through email that they were having issues. The email stated the issues should be resolved by the end of day or Friday morning, the XXXX. It is now past XXXX on Friday the XXXX and funds from my paycheck are still not in my account and available for use. The only other update I've received is on the mobile app, stating they are currently working on resolving the issues. No official ETA has been given, no statement provided, or exact info given on what is causing the disappearance of everyone 's paychecks. My paycheck has been processed and Capital One is preventing me from having any access to my deposited funds.

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD 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. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPDs findings indicate that Zelle had not only neglected to protect consumers but had also admitted repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I bank through capital one and i was supposed to get paid on wednesday and oy its friday and no information was realsed until thrisay night saying they were ha ing an issue when clearly we already knew and that i got in contact again they are saying is due to an issue with 3rd vendor but they do not give no answer of when its going to be resolved they just say within a couple hours but does hours have now turn to days and now its friday night and monday is a holiday and i need my money since i live paycheck by paycheck and the worst is that my bills dont wait and am going to get over draft Helppp

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX XXXX/ Account info Account number XXXX Balance {$6900.00} Balance updated XX/XX/year>XXXX XXXX XXXX Last reported XX/XX/year>, {$6900.00} in the State of Alabama XXXX on or, and resold on or about DATE. Under the laws of the State of ( Alabama ) UCC and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. Sincerely, 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: 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 XXXX handling of disputes, particularly in in light of the recent CFPV lawsuit, highlighting significant issues with the platform.I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in in light of the recent CFPV lawsuit, highlighting significant issues with the platform, despite using Zelle New numerous times and reporting discrepancies my financial institution and failed to investigate. My claims adequately informed me that recovering loss funds was impossible, and the 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 users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about 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: Block, Inc.
State: MS

Complaint narrative:
I am filing 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 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debt Validation Request To Whom It May Concern, I am writing to request verification of a debt that you are attempting to collect. Please provide the details of the debt as outlined below, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Amount of Debt : {$1000.00} Date Reported to Credit Bureau : XX/XX/year>XXXX  Specifically, I request the following information to validate this debt : The original creditors name and contact information The amount of the debt A detailed statement explaining how the debt was incurred Any documentation or records supporting that I am responsible for the debt A copy of the original signed agreement, if applicable Until this information is provided, I request that you cease all collection efforts and refrain from reporting this debt to any credit bureaus. 

If you can not provide the requested information, or if this debt is not validated within 30 days, I will consider this matter resolved. Additionally, please be advised that any future communication should be in writing only. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I attempted to get a property modification for my house at XXXX XXXX XXXX XXXX XXXX  5 times and XXXX  XXXX XXXX never responded. At one point they said there's no such such thing. I argued with them and this happened 5 times but they did send paperwork for a property modification but they never responded. This is a violation of federal law. They have violated my Constitutional rights under the 5th and the 14 amendments. No person shall be denied the right of life liberty or property without due process. I'm a XXXX XXXX XXXX Veteran and living in a basement because XXXX  XXXX XXXX has stolen my house. They have also been investigated under the RECO Act and have had many class action suits against them. I'm going to contact XXXX to get the information out to the public regarding how this Bank treats their customers.

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

Complaint narrative:
On XX/XX/XXXX I logged into the Capital One mobile app to verify my direct deposit had been deposited into my account. It was not. When I logged in there was a pop up that said Capital One was experiencing technical difficulties, no further details were provided at the time. I had to go to XXXX to find out that many customers were experiencing the same problem I was experiencing, direct deposit not being available. Capital One did not communicate anything with their customers until nearly XXXX that evening, other than a single XXXX post stating technical difficulties. They have been experiencing this issue for 48 hours as I write this on XX/XX/XXXX. On XX/XX/XXXX I spent approximately two and half hours on hold to talk to a representative at Capital One who had no additional information other than they are working on it. No idea when the issue will be resolved and no solutions or compensation being offered other than to waive reasonable fees. As it stands I am waiting for a deposit of {$1400.00} with absolutely no time frame in which I will receive it. Capital One originally said they expected to have this resolved by the morning of XX/XX/XXXX. It is XX/XX/XXXX at XXXX as I write this.

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: WI

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 action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
How can you notify customers a whole day later who are waiting on their direct deposit! And now, sitting here more than 2 days later no money low gas returned payments and CAPITAL ONE turned their PHONES AND CHAT OFF!!!!

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: PA

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 ). Specially, 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: Block, Inc.
State: MI

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

Furthermore, their dispute resolution 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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
This complaint is about Capital One and an outage that has been going on for 2-3 days. Im unable to get my direct deposit and the bank is not being transparent on whats going on and when it will be resolved.

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: MS

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 u protected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Thursday XX/XX/XXXX Im suppose to get my direct deposit but I still havent received due to the capital one outage I have no way to pay for groceries and my medication for my XXXX and XXXX currently XXXX  please help I wasnt notified about this situation until XXXX XX/XX/XXXX and it has been going on since the XX/XX/XXXX which is very unprofessional and unlike them

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

Complaint narrative:
XXXX has failed to fulfill its obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently files a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where XXXX is neither corrected or removed disputed items that are attached to identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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:
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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: GA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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

Complaint narrative:
Cash app is refusing to send me my {$8000.00} that is deposited into an old account. They keep saying it is a security reason on why they can not give me my money. I have given them my old email my old phone number. My cash tag name my ZIP Code and my pin to my old card and they still wont release my money into my new account.

Company response to consumer: Closed with explanation