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:
I am filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which violates the electronic funds transfer act ( efta ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I am to formally 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 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers 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: MS

Complaint narrative:
I am filing a complaint against CashApp ( 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 appropiate 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 — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, Capital One withdraw {$800.00} from my account. It wrote : Adjustment Debit- Adjustment to correct error. After further inquiry, They were not be able to provide the withdraw slip. They said that on XX/XX/XXXX someone withdraw {$800.00} and was credit to the wrong account. They said that the correct account was my account and they withdraw the money from my account. I contacted the customer service and they said that they can not provide me additional information. They said, it was a join account and my partner withdraw the money but they did not give any proof.

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: FL

Complaint narrative:
My employer initiated an ACH payment of my biweekly pay check on Thursday XX/XX/XXXX at XXXX. The pay amount sent to my Capital One Checking account is {$1000.00}. The ACH should have been posted to my capital one account early this morning Friday XX/XX/XXXX, part of my pay was sent by ACH to XXXX XXXX XXXX at the same time Thursday XX/XX/XXXX and that was received in my account Friday XX/XX/XXXX morning as normal. I spent hours of my day Friday XX/XX/XXXX trying to get through to Capital One customer service, I waited on hold for 2 hours to be told " we are working to resolve it and we do not know when it will be resolved ''. When a bank receives an ach/direct deposit/eft from another bank they have until the next business day to post it to the customer account- by law. I mentioned this to the customer service representative at Capital One and I said so essentially Cap One is violating the law and she agreed. I need my pay to pay bills and now it is a holiday weekend, am I supposed to wait for my paycheck until next week? I need to pay bills and capital one does not care what this is doing to people that need their paychecks. Pretty suspicious considering the bank was slapped with a lawsuit XX/XX/XXXX and the next day XXXX they could not send customers THEIR HARD EARNED PAYCHECKS!

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: MN

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 18 financial loss, and I seek appropriate redress

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:
On XX/XX/XXXX, I was supposed to to get early direct deposit by Capital One and it didnt happen. Its XX/XX/XXXX & still havent received my direct deposit. Capital One has sent out an email detailed about the problem as a power outage with a third Vendor. I continue calling Capital One customer and the wait time is around XXXX hours. I need answers. Whats going on?

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: LA

Complaint narrative:
I am filing a complaint against Cash App XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently was looking at my credit report and noticed an inquiry being reported from Equifax. I have no knowledge of this inquiry and ask that there be fully investigation on this reporting. I ask that any documents be provided and a written authorization to be verified. XXXX XXXX XXXX XXXX XXXX

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: CA

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, Cashapp failed to take timely and efficient measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution or requirement under the Electric 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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates LLC XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Debt Validation Request for Account # XXXX Dear Portfolio Recovery Associates LLC, I am writing to formally dispute the validity of the debt you claim I owe. This letter also serves as a renewed request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To properly validate this debt, I am requesting the following specific documentation, which will demonstrate your legal right to collect and the accuracy of the amount you claim : 1. Proof of Ownership and Chain of Assignments Documentation showing the complete chain of assignments or transfers of this account from the original creditor ( XXXX  XXXX ) to Portfolio Recovery Associates, including : The forward flow agreement or bill of sale outlining the terms of the transfer. 
A copy of all intermediary assignments and transfer dates to establish the legitimacy and continuity of ownership. 

2. Documentation of the Original Account A copy of the original agreement or contract signed by me with XXXX XXXX that legally establishes my responsibility for the debt. 
Itemized statements from the original creditor showing how the alleged balance of {$700.00} was calculated, including any interest, fees, or charges added to the original balance. 

3. State Licensing Information Proof that your organization is licensed to collect debts in the state of Illinois, including your Illinois Collection Agency License number and its validity. 

4. Regulatory Compliance Evidence supporting the claims made in your response to my BBB complaint, specifically : Verification of the investigated and resolved disputes you referred to. 
Documentation proving you verified the accuracy and integrity of information furnished to credit reporting agencies. 

Important Notices Until the requested validation is provided, I request that you immediately : Cease all collection activity on this account. 
Refrain from reporting this account to any credit reporting agency, or, if already reported, remove it from all credit reports. 
Any attempt to collect on this account without providing proper validation will be viewed as a violation of the FDCPA, and I reserve the right to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General. 

This letter is not a refusal to pay but a request for validation as required by law. I expect your written response within 30 days of receipt of this letter. Failure to respond appropriately will confirm that this debt is invalid and unenforceable. 

Sincerely, XXXX XXXX XXXX

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

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

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Fraud Act ( ETFA ) 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: SC

Complaint narrative:
I will be filling a complaint against cashapp ( Block , Inc ) 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 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 electronic fund transfer act. 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio recovery brought a debt from XXXX  XXXX. I informed them that I didn't have a debt with XXXX  XXXX. I have XXXX  XXXX. For a year I didn't have a key to my mailbox. I alway have to wait for the post office to drove pass. They claimed I owe the XXXX. 
XXXX XXXX XXXX say I own them XXXX. I never sign any thing with these companies. 
XXXX XXXX XXXX say I own them XXXX. And it's from XXXX but I have XXXX now for my car insurance and my bill is XXXX.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
l'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 transactions.

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: GA

Complaint narrative:
I bank with Captial One as of Friday XX/XX/year>. I have not received my deposit from my company. Capital One has been experiencing an outage with a 3rd party vendor since Wednesday XXXX XXXX. I did not get notification about the outage until XXXX Thursday XX/XX/year>. The lack of transparency and communication with their consumers has been unprofessional. We are not give correct information on eta when we will get our deposits from our company. This has caused a series of hardships and financial strain.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar 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: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumers 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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Weds XX/XX/XXXX Capital One bank secretly withheld information that this 3rd party vendor they used allegedly went through an outage. It wasn't until Thurs XX/XX/XXXX ( which is usually when I get my deposits ) I discovered the outage within my account. I was told when I called on Thurs by one of their reps it would be deposited by XXXX Est on Thurs night. Well it never happened, I called prior to them closing and got another rep by the name of XXXX who advised me that it would be posted by Friday morning. Barely slept, watched my account like hawk and still to no avail my funds have been received. So now my family and I have to spend an entire weekend with a possible winter storm approaching within my area ; with no way to provide for food and pay my bills accordingly. Most of the company 's I've had correspondence with regarding my failed payments is not taking it likely nor should they for the inconsistency imposed by " Capital One Bank. '' I have enclosed the email sent by them on late Thursday night. It's to my understanding regarding comments via social media platforms, that not all customers obtain documentation of explanation from them. This is horrific and completely unacceptable and it's my hope that you go after them with ever fiber of your being!

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:
My deposit has not been made accessible to me on the day it should have. I choose Capital one because they advertise getting my deposit early however its been past that date. Today is the standard time to receive a deposit and I still have not gotten my money. If I was alerted earlier I could have routed my check to a different bank.There was no alert sent out until today, now I have to wait until they fix this issue. All they can say if they are having issues but that does not excuse them from not making my money available on the day that it should be.

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: Block, Inc.
State: IL

Complaint narrative:
This is for cashapp. It has frozen my money on its app. It has not shown me money that people has sent me.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had to dispute false information on my credit report multiple times just for them to actually remove it. There are other information on my credit that is not accurate but I had stop trying.

Company response to consumer: Closed with explanation