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: PA

Complaint narrative:
On XX/XX/scrub>/2025 Capital One had an issue with what they're saying is a 3rd party. Hundreds if not thousands of people 's paycheck have not been deposited. Not only were they not proactive about communicating the issue ( a communication via email did not come from them until XXXX EST XX/XX/scrub>/2025 ) as of XXXX EST on XX/XX/year>2025 people are still without their deposits. They said on XX/XX/year>2025 the issue wpuld be resolved through the night and morning but many people are reporting no change but overdraft fees and late payment fees on their Capital One credit card as deposits have not shown up. We are entering a holiday weekend which banks are closed and this could mean days without access to money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested for my information not to be reported and they stated that per signed agreement it has to be reported. By law i have to be offered a opt out. No such thing was offered nor explained. They repeatedly call and pop up to my house. Call others and give them my personal information pertaining to my loan. The person that comes to my house takes pictures of my residence. They also never gave me a proper notice before reporting on my credit as well! My loan got behind due to being XXXX with XXXX XXXX XXXX XXXX and my finances has changed.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested for my information not to be reported and they stated that per signed agreement it has to be reported. By law i have to be offered a opt out. No such thing was offered nor explained. They repeatedly call and pop up to my house. Call others and give them my personal information pertaining to my loan. The person that comes to my house takes pictures of my residence. They also never gave me a proper notice before reporting on my credit as well! My loan got behind due to being XXXX XXXX XXXX XXXX XXXX XXXX and my finances has changed.

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: NY

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 2025-01-17 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. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Certain charges was not authorized disputed with the bank and the company lied and never corrected the issue causing my account to over drawn and I cancelled my card and spoke with reps and sent over plenty of evidence and they closed my account and reported on my credit.

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: MD

Complaint narrative:
Capital One has experienced an outage that has affected my direct deposit. As a result, I can not do as I planned until I receive my funds. This needs to be resolved immediately!

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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I sent several disputes I do not know this collection agency as I have never been in agreement to work with them could you please provide me evidence stating that I have signed any sort of agreement with the following agencies National Credit ADJU, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I sent several disputes I do not know this collection agency as I have never been in agreement to work with them could you please provide me evidence stating that I have signed any sort of agreement with the following agencies XXXX XXXX XXXX, Credit Collections, XXXX XXXX XXXX and XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have been paying on a title loan for going on XXXX XXXX, and the money don't goes toward the loan at Titlemax..They told me I'm only paying interest, I didn't sign up up for that..My vehicle is broke and they still asking for payment harassing calling everyday.. I'm XXXX and living on a fixed income..Please resolve this problem..

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:
I am filing a formal complaint regarding Capital One 's handling of my business checking account. Since XXXX XXXXXX/XX/year>, I have been completely unable to access my funds, view my account balance, or obtain any information about my account. Attempts to resolve this issue through their customer service have been unsuccessful, as I have received no warning, no answers, and no estimated timeline for resolution. This level of inaccessibility demonstrates negligence on Capital Ones part in managing and safeguarding customer funds. Their failure to provide reasonable access to my account has effectively left my money inaccessible, causing significant disruption to my business and preventing me from meeting critical obligations. I am seeking assistance in holding Capital One accountable for their actions and obtaining a swift resolution to regain access to my funds.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 service 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 ). 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: Early Warning Services, LLC
State: IN

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 Zell numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me 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 serous concerns about consumer safety.

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 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 — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX high yield interest savings accounts. Capital One misrepresented the XXXX XXXX Account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX XXXX XXXX Account. This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek for the misleading practices and failure to fulfill their advertised promises.

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: WI

Complaint narrative:
I am filing a compliant 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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
Title max was charging large amount of fees even after the car was damaged

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: MA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) Due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, which left my account vulnerable and unprotected. Their dispute resolution process was honestly unfair and deceptive as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act and regulation E. these actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
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 consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as They did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these 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: AL

Complaint narrative:
I'm filing a complaint against CASHAPP ( block , inc ) due to inadequate service and unfair practices. Their dispute resolution was unfair, I was forced to upload sensitive documents on many occasions with no communication. I was told my account was fraudulent after I reported the activity someone sent another card in my name to my home. The untimely response caused significant inconvenience and financial loss. I seek to redress there 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: OH

Complaint narrative:
I am writing to express my concerns about a recent experience with Zelle that resulted in a financial loss. While using the platform, I sent money to individuals who turned out to be fraudulent, and unfortunately, I was unable to recover the funds. I feel that Zelle did not adequately warn or inform me of the risks associated with sending money to unknown recipients, nor did it emphasize the lack of fraud protection for such transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one and my direct deposit. Typically received on Thursdays but never got it it so I call the bank they have no answers for me as to why my deposit hasnt hit all they said was their tech team was working on it and it would be resolved by Friday morning or overnight. Here it is Friday morning and still no deposit. I have people in my house who are insulin dependent and was not able to get their medicine. I asked capital one to approve a one time transfer to my cash app so I could get the meds and they refused. So now I will have hospital bills etc and had bills set up to be paid which have all bounced and incurred a lot of late fees and returned check fees.

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 filling 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: IL

Complaint narrative:
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 XXXX XXXX XXXX XXXX  leaving 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: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my cashapp account was closed down for reasons they could not disclose with me. I have only ever used the app to send and receive money from family and friends. They took my first account about a month prior I called and sent in complaints to no avail, and l 've done the same thing here yet again to no avail. 
Now on XX/XX/XXXX they have completely blocked my device when I've tried calling and explaining that I've done nothing to go against guidelines or terms of service they said there was nothing they could do and they couldn't tell me which guidelines I broke or went against.

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

Complaint narrative:
I am filling a complaint against Cash App ( Block , INC ) due to inadequate customer service and unfair practices, which violatethe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions haves caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation