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: AL

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) 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: FL

Complaint narrative:
XXXX is having issues and capital one as a result has not provided me with my paycheck. I am late on multiple bills and I also have fees and now my credit reports will be hit as late due to non payment.

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 — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to address my concerns regarding Capital ones insanely high interest rates. In the light of the recent CFPB lawsuits highlighting significant issues with the company. I have been a customer with capital ones for over 20  years and the amount of interest I pay monthly is hurting my financial position. Capital ones seems to raise interest without notifying the consumer about any changes. It makes it almost impossible to settle my stammer balances due to such high interest rates applied to my account. I do not believe this is fair and that this company should be more considerate in notifying consumers of any changes.

Company response to consumer: Closed with 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: SC

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) 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: NC

Complaint narrative:
I am filing a complaint against cash app due to inadequate customer service and unfair practices which violated the consumer financial protection act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive. As they did not comply with with error resolution requirements under the XXXX XXXX and regulation E. These actions have caused significant inconvenience and financial losses 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: IN

Complaint narrative:
I am filing a complaint against cash out 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 an address fraud on our platform to prevent an address fraud on their platform leaving my account horrible and protecting leaving my account vulnerable and unprotected furthermore they're dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer Act and regulation XXXX 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 ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) 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: 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 actior have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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

Furthermore, their dispute resolution 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 XXXX 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: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: AR

Complaint narrative:
On XXXX XX/XX/XXXX, I submitted a payment to Highland Residential Mortgage of {$1800.00} through their online portal, as I was part of a repayment plan due to me being laid off ( I have since found a new job so am more than able to make payments ). On XXXX XX/XX/XXXX, the payment was taken from my account. I have a separate checking account specifically for my mortgage payments, due to in the past, Highland took close to XXXX weeks between me submitting payment and it being taken from my account. This was part of why I fell behind on my mortgage payments to begin with along with being laid off. I transfer {$1900.00} a month to my mortgage account to cover my payment. 

I was not aware that my payment was not applied to my loan until I logged in at the end of XX/XX/XXXX to make my XX/XX/XXXX payment. This is when I discovered that Highland flagged my account stating that my XXXX payment was returned as non sufficient funds and made it where I can now only make a payment with certified funds. At this time, auto payment was turned off but Highland 's system turned it back on at some point without my consent, which attempted to make a standard mortgage payment of {$1300.00} from my regular checking account on XXXX separate dates of XXXX XXXX and XXXX XX/XX/XXXX. I called to find out what was going on which is when I found out that I was behind and removed from the repayment plan, along with now having my credit impacted in a negative manner. 

When I was speaking with a representative at Highland, I was told to fax my bank statements to them showing my payments, which I did this on XXXX XX/XX/XXXX. I was also asked if I wanted to file a complaint about everything which I did, with the promise of hearing back from the complaint department no later than the end of that week. It is now XXXX XXXX and I have not heard from them. 

On XXXX XX/XX/XXXX, I called again to check the status of everything where I was informed that they were holding onto my original XXXX payment of {$1800.00} but would be sending that back to me in the form of a check since they can not take anything other than a certified payment from me. They refused to remove the negative marks on my credit reports or refund me the late payment fees and returned check fees without sending in a written complaint. 

All I want is to be able to make my mortgage payments and not have my credit tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I received XXXX class action settlement notices from Cash App saying that I qualified for a refund. When I filled out my claim form online I could never press submit at the end to receive a confirmation. I looked on my social media to see when payments were being rendered and some people had received them. I never received my payments or any notification that my claim went through at all. I tried multiple times on XXXX different computers but it did not work. It saddens me that I also just reported that someone stole my identity on cash app recently and created an account without my consent. So this is scary that I submitted my information and never received anything. Also, I was the guardian of my sister from GA earlier last year on my cash app account. She ran away and I begged cash app to restrict her account and send me the funds immediately. They never did and she was able to book her an Lyft, sneak out the window, and disappear. I missed work due to this and worried myself sick but the only service they could offer was chat messages which did nothing for days. Never got a resolution.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion and XXXX are reporting a FRADULANT Collection Account that is NOT accurate and needs to be deleted immediately and updated it is NOT mine. 
This is a fraudulent account with identity theft. I had my identity stolen on the dark web, with the XXXX and XXXX XXXX breach, and lost my ID and social security card at the airport. I filed a Police Report and XXXX for Identity Theft Over XXXX accounts were opened in my name. Someone used my Bank Accounts and Stole my identity numerous times over the last several years. 

This needs to be deleted immediately it is NOT Mine. Delete and Update my Credit Report to Accurate and Fair Reporting today. Police Report is attached. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: AZ

Complaint narrative:
I am filing a complaint against Cash App/Block Inc due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cashapp 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. I felt helpless after I lost money to scammers on this app. They thrive on there.

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: MA

Complaint narrative:
I applied for a car loan with XXXX XXXX XXXX XXXX on XXXX XXXX and authorized them to submit my application to XXXX XXXX  only for loan approval. However, my information was submitted to multiple banks without my consent, resulting in several unauthorized hard inquiries on my credit report. These unauthorized inquiries have negatively impacted my credit score. This action violates the Fair Credit Reporting Act ( FCRA ), as I did not provide consent for the multiple inquiries. XXXX XXXX XXXX XXXX is no longer in business, so I am unable to directly resolve this with them. As a result, I am requesting that the credit bureaus remove the unauthorized hard inquiries from my credit report, as they were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I applied for a car loan with XXXX XXXX XXXX XXXX on XXXX XXXX and authorized them to submit my application to XXXX XXXX  only for loan approval. However, my information was submitted to multiple banks without my consent, resulting in several unauthorized hard inquiries on my credit report. These unauthorized inquiries have negatively impacted my credit score. This action violates the Fair Credit Reporting Act ( FCRA ), as I did not provide consent for the multiple inquiries. XXXX XXXX XXXX XXXX is no longer in business, so I am unable to directly resolve this with them. As a result, I am requesting that the credit bureaus remove the unauthorized hard inquiries from my credit report, as they were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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: AL

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumes 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 regulations E. These actions has caused significant inconvenience and financial loss 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 — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to formally express my dissatisfaction regarding Chase 's handling of unauthorized transactions on my checking account, which occurred on XX/XX/year>. 

On that date, I noticed three unrecognized charges totaling {$780.00} from XXXX locations in XXXX, XXXX, and XXXX. I immediately contacted Chase to report these transactions as fraudulent. During my call, we reviewed my account activity, and I confirmed that I had only made one legitimate purchase for {$20.00} at XXXX XXXX that same day. I do not live near the aforementioned XXXX locations, nor have I ever visited them. 

The representative informed me that my card was used via XXXX XXXX on someone elses device. Chase promptly filed a claim and removed the card from the unauthorized device. I clarified that my physical card was with me at all times and had not been lost or shared with anyone. 

For two weeks, I received no updates on the claim despite following up multiple times. On XX/XX/XXXX, I called again and was informed that the claim had been closed with no opportunity to reopen it. I was further told that the " investigation '' determined the transactions were valid because : A PIN was used which is impossible as no one knows my PIN. 
The transactions occurred near XXXX XXXX based on GPS which is false. The XXXX locations in question are about a 30-minute drive from XXXX XXXX XXXX and I did not visit them. 
When I asked why I did not receive any verification messages for these transactions, I was told that Chase only sends notifications through the app and approves transactions if no action is taken. This is unreasonable and impractical. It is not feasible for customers to monitor the app XXXX, and it is Chases responsibility to ensure the security of our accounts. 

As an XXXX  XXXX, I am confident there were no app notifications, and I requested logs to verify this. However, I was told Chase could not provide such logs and that I should contact XXXX directly. This response is unacceptable. Chase is responsible for protecting its customers ' funds, and your lack of assistance or transparency suggests that no thorough investigation was conducted.

Company response to consumer: Closed with monetary relief
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was exposed in a data breach, accounts I have not used in years and have been closed are being updated. The same information is not being reported to each credit reporting company, collection companies are saying they reached out to me so they can update their information but they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was exposed in a data breach, accounts I have not used in years and have been closed are being updated. The same information is not being reported to each credit reporting company, collection companies are saying they reached out to me so they can update their information but they have not.

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