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: NM

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 procesr 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed 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 correction action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer,.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service 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 XXXX  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 XXXX, 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I deposited XXXX checks from a settlement from my former employer. I deposited the checks on XX/XX/XXXX and was told I was not able to get the phones out until XX/XX/XXXX. When XX/XX/XXXX arrived I got a money order for XXXX to pay my father back. I went to XXXX XXXX  to find out how much is old so I can pay those funds. I went back to Citibank to get another cashiers check so I can pay XXXX XXXX This is when they flagged the account and said theyd they need to confirm the XXXX checks that I deposit on XX/XX/XXXX. This should have been done the entire time. I had to wait until XX/XX/XXXX to touch the money. I went into the branch to see if I can get the funds out of my account since they are closing my account they told me I have to wait XXXX to XXXX  days to receive a check in the mail. This is holding up everything I have to do I dont see how this could be flagged for anything I bought the statements into the bank, showing where the checks came from Citibank XXXX given me any reason as to why my account is being closed and I can not get my money out of the bank.

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: IL

Complaint narrative:
I am filing a complaint against cash app ( XXXX  XXXX ) due to inadequate customer service and unfair practices, XXXX  violated the customer financial protection act ( XXXX ) .specifically, cash app failed to take timely and effective measures to prevent and address vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply wit 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:
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 ( EFTA ) and Regulation E. These actions have caused significant inconveniences 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: AL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, sometimes multiple times in XXXX day, and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. They also had stated that tracking these transactions in detail was not feasible. The fact that they are working with major banks and supposedly do not have the availability to track transactions, or recover monies is a serious issue, and suspicious to say the least. I have called multiple times just to check transaction history and they apparently have no way of getting that to their consumer. The XXXX XXXX findings indicate that Zelle has not only neglected to protect its many users but has also allowed repeat offenders top exploit the system. This has left users like myself open to scams and loss of funds. The convenience of using Zelle directly in most banking apps is what attracted me to use it ; but is the convenience worth opening ones finances up to insecure transactions? The lack of accountability and transparency for a platform/service that is so widely used in unacceptable and alarming. It raises concern for consumer safety and security.

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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash app ( block , inc ) due to In adequate 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 address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes 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 appropriate redress for the 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 ( CFPB ). 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: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Thursday XX/XX/XXXX and every 2 weeks I receive my early deposit of my paycheck around XXXX or XXXX. At that time I got nothing. Went to my dr appt and when I got home around XXXX we got an email stating there were issues with a vendor on XX/XX/XXXX and it would be resolved on Friday morning XX/XX/XXXX. Friday morning is coming and going. I called capital one 3x and was disconnected all 3x. I called a local branch and they said they were supposed to have it fixed this morning but its not and no eta and its 3 day weekend. I was supposed to buy food for the family and I can not feed my family. And there is zero communication from capital one. I want my money with interest because Im going to get a ton of late payments and they are gon na gon na get rejected.

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: VA

Complaint narrative:
I am filing 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 accountholders 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: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts, and I have no knowledge of their origins. Pursuant to USC 1681g, I am requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

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: 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: 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 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: 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 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 10.2K 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 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations 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 fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Someone has been using my information and open of a capital one account, XXXX account, and XXXXXXXX XXXX XXXX I did not make any of those accounts! I just put a fraud alert out with XXXX. But I need help getting to the bottom of who stole my paperwork to be able to do these things. I just disputed it with XXXX, but still I need to make sure this wont ever happen again! I want all these accounts removed from my credit report for fraud! I did lose my wallet years ago but it only had my social and ID that was expired in, I did not know thats all it takes for someone to steal your identity! This has been a traumatizing experience, I just want this to get fixed!

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: MI

Complaint narrative:
I bank with capital one I have been lied to multiple times they leave me on hold I got paid Wednesday XX/XX/XXXX and did not hear nothing about this issue until XXXX XX/XX/XXXX But was told prior to that I would have my check by XXXX that night just to get me off the phone it has been 73hrs and I have not received anything. Me and my family have needs I pay my bills on time I pride myself on that please don't let Capital one get away with there mistakes they keep ha ing issues.

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 accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year>, I received an email from Capital One bank informing me of a system issue impacting payments and transactions caused by one of their third-party vendors. While I understand that mistakes can happen, I was alarmed to discover that a significant transfer I had made on XX/XX/XXXX to my XXXX XXXX account in the amount of {$25000.00} still had not go through. When I logged into the banking app to review my accounts, I was shocked to find that my business account was no longer visible. Not just a missing transaction or delay, but the entire account was gone. However, all my personal, investment, and credit card accounts were unaffected and displayed as usual, but my business account was completely absent. 

I received an email this morning from Capital One Alerts, stating my transfer in the amount of {$25000.00} from my Cap One XXXX account to my XXXX XXXX XXXX account, but when I checked my XXXX XXXX banking account, there was no transfer and no funds from Capital One. I called the bank and was met with an automated message explaining the ongoing issue with their third-party vendor. While I appreciated the explanation, my frustration grew as I navigated the prompts to speak with a representative, only to have my call disconnect repeatedly. Each attempt to reach customer service ended with the call dropping, leaving me unable to resolve this critical issue. 

This has been an incredibly frustrating experience, and I am seeking immediate assistance to restore access to my business account and ensure this matter is resolved promptly.

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: AR

Complaint narrative:
I was supposed to receive my direct deposit to my Capital One 360 Checking Account on Wednesday XX/XX/year> for my paycheck from my employer in the amount of {$2200.00}. This paycheck has still not been deposited in my account, and it is Friday XX/XX/year> at XXXXXXXX XXXX CST. I have contacted Capital One and all I've received is a vague answer regarding a Third-Party technical issue. Capital One stated that the issues should be resolved by early morning today XX/XX/year> and I still have not received my direct deposit. They have also not disbursed any additional communication. Payroll was run effectively by my employer, and this is specific to Capital One.

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 — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against Navy federal Credit Union. Numerous times they have charged my account knowing there were low funds in the account and allowed my account to overdraft and then also charged me an overdraft fee ever 3 days. I was charged multiple overdraft fees for being overdraft in my account. These are unlawful overdrafts fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation