vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One gave me three late payments for the month of XXXX, XXXX, XXXX, of XXXX  you used to go pay with them with a debit card they changed their system up and started making you have to use the bank account I had XXXX XXXX so I wasn't able to get there to open up no bank account and do all that stuff so that's what my payment was late I talked to him I asked him can he help me out they told me no

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There has been a breach of trust. XXXX XXXX BREACH several times has affected us mentally and physically. Endless phone calls, long wait times. No resolution only a decline in scores. Faulty systems and no one seems to care about the damages. We are not sleeping at night and can no longer build an appetite to eat due to the stress and worry. Unable to provide the daily necessary household functions because everyone judges us on a score which is blatant discrimination dressed up in the term credit worthiness. When the people have open- end credit and the people are the true creditors. Selling of securities and not paying out or properly filing tax forms caused me serious problems. Companies are showing favoritism to a certain demographic and that is a problem. Where is the good faith and fair dealings which implies that if one party receives a benefit or treatment, others in similar situations should not be unfairly excluded from receiving the same. Where is the valuable consideration?

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filling a complaint with CFBP regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Fund Transfer act ( EFTA ) as it requires funds to be released in a timely manner. This situation raises concerns about consumer protection laws and I am requesting your assistance in investigating this matter. Thank you.

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: CT

Complaint narrative:
I I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate. 
Capital one and the discover credit card.

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: NC

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 process requirements under Electronic Funds Transfer Act ( EFTA ) and Regulation E. This actions have caused significant inconvenience and financial loss and I seek appropriate redress for the 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 — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The bank defrauded myself and other consumers based on lies on interest rates and also coercing me to take a credit card in addition to the misconduct!

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in 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 was unfeasible.The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams, The 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: IL

Complaint narrative:
I get direct deposit every Thursday around XXXX XXXX. Yesterday was XX/XX/year> and I recieved no deposit, and know several others had this same issue with Capital One Banking. 

It is now XX/XX/year> I have multiple bills due they are not getting paid I am getting late fees, I am now not getting my XXXX Cash advance from my second banking account XXXX due to not being able to pay the previous cash advance due to not getting my direct deposit check. 

On top of this all we are about to go into freezing weather and I have no access to my money to get groceries, gas or any other items I need during this time. 

This is insane to me, I have called Capital One customer service multiple times with absolutely no help or answers to anything.

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: VA

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 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. 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} fraudulent, inaccurate, and false information in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: 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 complaint with the CFPB regarding Capitals Ones failures to deposit my direct deposit from my employer and other income 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 assistance in investigating this matter to ensure my rights are being 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: KS

Complaint narrative:
Hello. I am filling a complaint against Cash App or otherwise known as Block , Inc . This is due to inadequate customer service, and other unfair practices, that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely, accurate, and effective measures to prevent and and address fraud on their platform. This was left to leave my account VERY 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 cause significant inconvenience and financial loss, and I seek redress for these violations. Especially since Ive lost more than {$3000.00} for fraud because my account was connected to Cash App. Including other transactions from subscriptions that werent connected to my Cash App but were connected to my Phone pay. Thank you.

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 — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I had payments sent in for XXXX separate loans : Payment XXXX for loan was {$3100.00} XXXX XXXX for the second loan was {$2000.00} These were submitted XX/XX/year>. 
It is now XX/XX/XXXX and they have no answers for me when I asked where the money is and why it hasn't been applied and now it is past my due date when i have never missed a payment from them. They have not provided any info and my balances do not reflect so I can get these loans closed.

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 — Trouble with how payments are being handled
Company: MOHELA
State: LA

Complaint narrative:
I have contacted MOHELA multiple times via secure message and via telephone. I have called multiple times and stayed on hold for XXXX plus hours despite my estimated call time being XXXX hr and XXXX. One time I stayed on hold for XXXX just for someone to answer to tell me I had be transferred and stay on hold another XXXX hrs. I stayed on hold for XXXX hours just for the phone to disconnect from their end. I have asked multiple times to be transition from the XXXX plan to another IDR repayment plan. I have filled out the proper paperwork. I have XXXX payments left of XXXX before my loans are forgiven. I should have received my forgiveness in XXXX, but instead, my loans are stuck in forbearance accruing interest that will benefit MOHELA. The negligence and financial gain is almost criminal. I wonder how many people this company is keeping in forbearance and how much interest they will collect for doing so?

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 — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
Zelle has not investigated my disputes that I requested in the month of XX/XX/year> they failed to notify of any information regarding my financial dispute thru the bank and their company which has lead to a negative affect financial

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: TX

Complaint narrative:
I am filling a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress 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: AR

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 and effective measures to prevent and address fraud on their platform, leaving m 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: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XXXX XXXX I got my federal taxes of XXXX. I went to XXXX to get money off my card and the card kept declining. I got on the app and requested a call to figure out what was going on. I got a phone call for who was suppose to be a member of cash app. They tell me my account had been locked because it was a business account. They tell me that I have to transfer the money a that it would be back within a couple hours. They have me send XXXX to a green dot card XXXX to XXXX  an XXXX to some place else. When I called to dispute it an hopefully get my money back they told me no a that it was my fault. But I requested a called from them a the me scammer called me so none of that was my fault!

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 — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
According to the terms of my student loan master promissory note, and according to the stipulations of Income-Based Repayment Plans with StudentAid.gov, my outstanding XXXX loans plans MUST be forgiven after XXXX qualifying payments. 

As you can see in the attached screenshots taken from my studentaid.gov dashboard, I have made XXXX qualifying payments. Therefore, the Department of Education MUST forgive my outstanding loan balance.

Company response to consumer: Untimely response
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: VA

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 the did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. Theses 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the bureau asking them to valid the accounts XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX. I received a stall letter telling me they received the letter but it didn't appear that I give proper authority to the third part that sent the letter. So I called XX/XX/XXXX and spoke with XXXX who had very bad comprehension skills. She seem to not understand what I was talking about. I asked about the letter and she was talking about inquiries. I asked her to tell me what the letter reads she then put me on hold and hung up. I called back spoke with someone named XXXX I explained the situation she then wanted to get condescending because I told her the representattive didn't comprehend well. She said that they had expedited the dispute. I asked her about the letter she said she couldn't see the letter that the only people that can see the letter is the company which received the letter. I asked who received the letter she couldn't tell me that she said I should know. I told her she should know I wouldn't know but I do know it was received because I got a response from them dated XX/XX/XXXX. So what happened to the dispute letter I send out XX/XX/XXXX? XXXX put me on hold then hung up as well because the questions I was asking about the letter they couldn't answer.

Company response to consumer: Closed with non-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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the bureau asking them to valid the accounts XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX. I received a stall letter telling me they received the letter but it didn't appear that I give proper authority to the third part that sent the letter. So I called XX/XX/XXXX and spoke with XXXX who had very bad comprehension skills. She seem to not understand what I was talking about. I asked about the letter and she was talking about inquiries. I asked her to tell me what the letter reads she then put me on hold and hung up. I called back spoke with someone named XXXX I explained the situation she then wanted to get condescending because I told her the representattive didn't comprehend well. She said that they had expedited the dispute. I asked her about the letter she said she couldn't see the letter that the only people that can see the letter is the company which received the letter. I asked who received the letter she couldn't tell me that she said I should know. I told her she should know I wouldn't know but I do know it was received because I got a response from them dated XX/XX/XXXX. So what happened to the dispute letter I send out XX/XX/XXXX? XXXX put me on hold then hung up as well because the questions I was asking about the letter they couldn't answer.

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 Zelle handling of disputes, particularly in the light of the recent cfbp 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 recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPbs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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