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: FL

Complaint narrative:
Subject : Complaint Regarding Delayed Availability of Direct Deposit Funds Dear CFPB, I am writing to formally lodge a complaint regarding an issue with my financial institution, Capital One Bank. For the past XXXX days, my direct deposit funds have been unavailable due to an unspecified issue on the banks end. This delay has caused me significant inconvenience, as these funds are essential for meeting my financial obligations. 

Despite multiple attempts to seek clarification and resolution from Capital One Banks customer service, I have been unable to obtain a satisfactory explanation or timeline for when this issue will be resolved. This lack of transparency and prolonged inaccessibility of my funds is unacceptable and has created undue stress. 

I am requesting the CFPB 's assistance to : Investigate the cause of this delay and why it has not been communicated effectively to affected customers. 
Ensure that Capital One Bank promptly resolves this issue and makes my direct deposit funds available. 
Hold the bank accountable for any financial harm caused to customers due to this delay. 
I appreciate your attention to this matter and look forward to your assistance in ensuring fair treatment and resolution. Please feel free to contact me for additional details or documentation regarding this complaint. 

Thank you for your time and support. 

Sincerely,

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: CT

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 ( AFTA ) and Regulation E. These actions have caused significant incontinence 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 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: 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 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My payroll direct deposit should have gone through on Wedneday afternoon. I have a XXXX  and XXXX account my paycheck should have been directly deposited into. I should have received a {$400.00} deposit in my checking account and a {$600.00} deposit into my XXXX. I have called Capital One numerous times requesting when my funds will be available and was given no time frame for this issue to be resolved. I unfortunately live paycheck to paycheck and have no money because of this issue and am unablento pay my bills and even buy food. I have opened a case for both accounts but have not received anything on the status of either of my cases

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AL

Complaint narrative:
My cash app account ( XXXX XXXX  were closed upon XXXX separate occasions. The first being after an update, and the reason was not following terms and conditions. There was no customer representative to speak with regarding this issue. Afterward I was able to make a new account with different number. Same issue account closed ; this time I occurred a debt through their borrow feature and was forced to pay through my account balance. My direct deposit was supposed to come that same day to my account, but they reversed the funds. This was an another issue, when I did nothing wrongother than using my account daily.

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: LA

Complaint narrative:
I bank with Capital 1 and on Thursday, XX/XX/year> I did not get my direct deposit from my employer and it is now going on 48 hours, and my direct deposit from my employer has not been uploaded to my account. I have contacted Capital One twice and they are not saying when this problem will be solved for my funds to be in my checking account. All they are saying is that they are experiencing technical issues but do not have an estimated time when I will receive my phone and now I am not able to pay any of my bills that were supposed to be paid on Thursday, XX/XX/year>.

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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I got charged with illegal overdraft fees when I believed money was in my account when it wasnt

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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was unable to have access cash deposit from employers. I dont have access to my cash and I wasnt notified I found out about this on XXXX. Capital one issued a statement that we will have access as of XX/XX/year>. I still dont have access and the bank will be closed on XX/XX/year>. I called customer service and they couldnt tell anything that was going on or how this situation is going to be resolved

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 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: 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, Casp 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 do 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 — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
This bank has put incorrect information on my credit report. I need them to correct it.

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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's 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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I applied for a credit card XXXX in late XX/XX/2024. I cancelled this on XX/XX/2024. The original annual fee was {$95.00}. 

I am due a prorated refund, but have not gotten one.

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 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 reported 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: 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 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB 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 were unfeasible.

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: TN

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 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: 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: MN

Complaint narrative:
Dear Experian I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair credit report act whenever a consumer report agency compares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to re-investigate these accounts listed below because XXXX XXXX XXXXXXXX ] Date of last reported is not correct, Date of last payment is unknown. Also its many discrepancies with incomplete payment history. This account is not accurate. 

Furthermore, I was told by XXXX that this debt has been sold to a third party, which, according to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), means that if this was my debt, I would no longer owe this debt to the organization. In addition, the issue of consent regarding information under the Fair Credit Reporting Act ( FCRA ) 1681b, selling personal information without explicit consent is illegal. I have not authorized the sharing of information, and any actions taken to do so are in violation of my rights. 


XXXX XXXX XXXX Date of last payment unknown. Date of last active is inconsistent with other bureau. The past due is inconsistent with other bureau. In addition, I do not have a contract with this company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, selling personal information without explicit consent is illegal. I have not authorized the sharing of information, and any actions taken to do so are in violation of my rights.

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: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I got a vanilla gift card {$300.00} from my job on XX/XX/XXXX. I had a remaining balance on it of {$44.00}. When I tried to use this balance in the store, my gift card was declined. It showed that my balance was put on hold. Vanilla card reps could not help me with unblocking my card and did not know why my card was blocked. On XX/XX/XXXX Vanilla card rep XXXX offered me the refund in a check which I accepted. She told me that I will get my check with the refund of the remaining balance of {$44.00}. I gave her my address. I never got the check. I called XX/XX/XXXX Vanilla gift card and the rep XXXX told me that he does not know why I did not get the check. 
Please contact Vanilla gift card on my behalf and request why I did not get the check. 
They are just lazy and horrible. They couldn't explain when I will get the check.

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: OK

Complaint narrative:
I am writing to formally address the ongoing payroll deposit issues with Capital One, which have directly impacted me. My paycheck, scheduled for deposit on XXXX XXXX, XXXX, was not in my account as expected. When I checked at approximately XXXX XXXX, there was no deposit notification email. I waited until XXXXXXXX XXXX before calling Capital One, where I was informed that a technical error was causing the delay but that my deposit should be reflected by the end of the day. 

However, by XXXXXXXX XXXX, my deposit had still not arrived, so I called again. I was reassured that the issue would be resolved and the funds would appear in my account by the morning of XXXX XXXX, XXXX. Despite these assurances, when I checked this morning, the deposit was still not there. 

I called Capital One again at XXXXXXXX XXXX, and after waiting until XXXX XXXX I finally reached a representative. Their response was dismissive, advising me to wait a few hours. I requested to speak with a manager, explained my frustration with the previous representative, and asked for a clear update from the team working on this technical issue. Instead, I was met with vague statements about the ongoing problem. At one point, the representative appeared to have muted the call or left the line entirely, failing to return. 

It is unacceptable for a financial institution to delay payroll deposits for over 24 hours without implementing a workaround. Many individuals in our country live paycheck to paycheck, and this delay has caused significant hardship and stress. A timely resolution should have been prioritized, and clearer communication from Capital One is necessary.

When I mentioned out loud in the dead space of the open phone line that I planned to file a complaint with the Consumer Financial Protection Bureau, the call was promptly disconnected.

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: TN

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 consume 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I don't know this company. I have ask to properly verify debt according to texas laws. If this is a collection agency I am requesting thr name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

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: 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 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 air 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