vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
I WAS NEVER LATE ON THESE ACCOUNTS. THESE ACCOUNTS HAVE BEEN PAID OFF WITHOUT BEING LATE.

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: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I used XXXX and {$370.00} was sent to the wrong person on or around XX/XX/year>. The bank at the time ( Suntrust ) wouldn't correct or investigate the issue.

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: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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: 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, 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 i redress for these violations.

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: TX

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 ( 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 redres 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: CA

Complaint narrative:
Capital one since XX/XX/year> holding my direct deposits because their technical issues I'm still didn't get any direct deposit I have to pay all my late fee for all my payments because all their delayed

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:
On XXXX, XX/XX/year> my company release the funds for my direct deposit that should have been available no later than XX/XX/year>. Upon checking my account status, Capital One did not release the funds to my direct deposit that had been released by my company as shown on my paystub as well as being verified with the account accounting department. When I called customer service, which Ive done multiple times, they told me theres a glitch, and there was no foreseeable timeframe to fix this. There is no answers, there was no solutions, and at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I still do not have access to this. XXXX is actively in possession of that direct deposit, and they have not released the funds to my account or even posted a pending payment.

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: TX

Complaint narrative:
Equifax has failed to remove an alleged collection account from XXXX XXXX XXXX from my credit report after XXXX XXXX has agreed to stop any type of future efforts to collect this debt. This is a clear example of how Equifax does not take the time to properly investigate and verify improper information about inaccurate and incomplete information on credit reports. If Equifax would have contacted XXXX XXXX they would know to remove this from my credit report.

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: NY

Complaint narrative:
CAPITAL ONE WAS AWARE OF THEIR SECURITY BREACH SINCE XX/XX/year> AND DID NOT MAKE THEIR CUSTOMERS AWARE. ITS BEEN XXXX XXXX XXXX AND STILL NO ANSWERS OR MONEY. I CANT ACCESS MY MONEY.

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: MO

Complaint narrative:
I would like a investigation completed in what is taking place with my XXXX XXXX. I need access to my funds immediately and any fees added due to this issue- refunded. I would like the cfpb to provide their investigation and any fines that Capital OnE would be responsible for

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my my credit report leaving inaccurate or unverifiable accounts unresolved.Im requesting immediate corrective action to remove or amend disputed accounts.As experians inaction violates federal law and my rights as a consumer.

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
My direct deposit for XX/XX/year> has not been credited to my account. Capital One stated they are having XXXX party vendor issues. No update in XXXX XXXX  So, I have no money to buy food, or pay bills.

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: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cashapp and XXXX allowed and charged for fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Navient for what I believe are deceptive practices regarding the management of my student loan account, specifically related to the application of deferments. 

Navient repeatedly placed my account in deferment status without my clear understanding or informed consent. While they sent emails requesting that I reply " yes '' to approve the forbarance, at no point did I have a voice-to-voice conversation with a representative to fully explain the implications. This lack of communication and transparency is deeply concerning. 

Furthermore, XXXX practices appear to lack adequate safeguards to prevent repeated and automatic deferments amd forbarance. These forbearances caused my loan balance, which initially was manageable, to grow substantially over time. This outcome has placed an undue financial burden on me, as I was not made fully aware of how these deferments would affect the overall loan balance and XXXX would auto place me on a forbearance. 

Navient 's actions seem to exploit borrowers who XXXX not fully understand the long-term consequences of deferments. I firmly believe there should have been stronger checks and balances in place to prevent this situation, such as freezing the account or requiring direct consultation with a borrower before applying consecutive deferments. 

I respectfully request that your agency investigate XXXX practices regarding deferments to ensure that other borrowers are not subjected to similar predatory practices. Additionally, I would appreciate guidance on any available recourse for the financial harm I have experienced. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
MOHELA- My student loans were issued and managed under circumstances that violate federal laws and regulations, and I am formally requesting their full cancellation. As a full-time student, my loans should have remained in deferment per 20 U.S.C. 1087e ( f ). However, my servicer falsely took these loans out of deferment, violating my rights under federal law. The reported amounts, dates, and statuses are also inaccurate and misleading, compounding the harm caused by their improper management. 

Furthermore, I was misled by representatives who provided contradictory information regarding the terms and use of these loans. I was explicitly told that these loans would support my education and related expenses, but their terms prohibit such use. This constitutes a clear case of misrepresentation, violating the Truth in Lending Act ( 15 U.S.C. 1638 ) and Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) standards. 

The loan terms are also predatory and unconscionable. The excessive interest rates and fees are designed to trap borrowers in perpetual debt. These practices, combined with the servicers failure to comply with federal deferment requirements, have caused me significant financial and emotional hardship. 

I demand the immediate cancellation of these loans and removal of all negative information from my credit report. If my request is not honored, I will escalate this matter to the Department of Education, Consumer Financial Protection Bureau, and any other relevant regulatory agencies for further investigation and enforcement.

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: 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: LA

Complaint narrative:
I live paycheck to paycheck as millions of Americans do. Capital One experienced technical problems that caused my direct deposit that normally arrives on Thursday mornings to be delayed. Worst of all is this is happening on a holiday weekend and I may not even get my money until two days before my NEXT paycheck.

Capital One sure is sorry for any inconvenience. They even offer to offset any reasonable fees. However, how will I actually EAT until my money comes. How do I feed my family Capital One? What about when my lights are turned off. XXXX ( another horrible company ) dont care if my money is coming or not. They want it now. Are you not aware of the freezing temperatures? 

Rich corporate board members dont care, you have your millions and financial freedom on the backs of your customers. 

I just want my money, and your response is just horrible. You are not doing enough to offset this disaster. You can not even comprehend the mess you have left your customers in while you live comfortably with your millions of dollars. You need to go above and beyond. A meager XXXX dollar deposit for our inconvenience could even go away. 

I feel like I am wasting my time, but I hope you will do the right thing because your current response is not adequate.

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:
On XXXX I was expecting my direct deposit of {$300.00} in my 360 checking account from my employer and it was not in my account. I called Capital one and the customer service representative said there were technical issues that would be fixed by end of day. End of day came and nothing, Friday XXXX came and at this time XXXX  I have yet to receive my money or any explanations from capital one. Capital one is withholding not just my direct deposit but also many other people, an institution should not be allowed to do this but yet allow payments to come out of the accounts.

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: DC

Complaint narrative:
Capital One has not paid me my direct deposit since it was released by my job Wednesday. Now its Friday and I dont have the money from my paycheck.

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: NC

Complaint narrative:
Capital one banking has not deposited my paycheck of {$940.00} and it was supposed to be deposited on XXXX the XXXX XXXX XXXX. I called on XX/XX/XXXX XXXX XXXX at the time of XXXXXXXX XXXX when asked about the deposit the representative said she did not know when there was an issue because she didnt know there was an issue I then had to be put on hold and she asked if there was an issue and said it should be fixed by the next couple hours, I waited until XXXX XXXX and still did not receive my deposit into my account. I then called again around XXXX XXXX and was on hold for XXXX minutes. The next representative then told me that it should be in my account by the evening. I then received a message around XXXXXXXX XXXX from capital one banking saying that they are sorry for the inconvenience and that this issue should be resolved in the morning on Friday, XX/XX/XXXX. I checked my account at XXXXXXXX XXXX  and then again at XXXXXXXX XXXX to see that my check has still not been Deposited.. I then attempted to call capital one banking and was put on hold for an hour and a half after being put on hold I hung up the phone and tried calling again about an hour later just for the line to disconnect. Apparently this is a persistent issue not just for me since then I have been checking my account and there has been no deposits made capital one banking can not find an answer to the reason why the account has not had any money deposited. I have a car note and rent due soon and if I do not get my money, I could be evicted. This banking company is putting millions and thousands of people in a state of trouble some of us have bills to pay and were not able to due to our funds being held. I am deeply disappointed and extremely unsatisfied as a member of capital one banking I will absolutely be moving my bank to more of a secure kind of banking after this because capital one is not secure.

Company response to consumer: Closed with explanation