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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally address my ongoing concerns regarding unresolved fraudulent charges on my accounts with JP Morgan Chase Bank. Despite my repeated efforts to resolve these issues, I have not received satisfactory assistance. 

I filed a report regarding fraud and identity theft in late XXXX, followed by my communication with your fraud department at the beginning of XXXX. Since then, I have provided all requested documentation, including court documents and any additional materials necessary to support my case. However, my account still reflects the disputed charges, and I have not received a conclusive resolution. 

The representative assigned to my case has requested various documents multiple times, and I have promptly complied with all requests. Regrettably, I was informed that a decision had been made to reinstate the charges back onto my account, which is perplexing and deeply troubling. 

Thank you for your immediate attention to this matter. I look forward to your prompt 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: LA

Complaint narrative:
Im filing a complaint with you all regarding my Capital One bank account. Capital One Bank is having technical issues. I have not received my deposit and I havent gotten any answers. This issue raises concerns about consume protection laws, and I request your assistance in investigating into matter to insure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The vehicle I was financing related to Hyundai XXXX XXXX was traded into XXXX XXXX XXXX XXXX in XX/XX/year>, the pay off check was sent to Hyundai XXXX XXXX by XXXX and cashed on XX/XX/XXXX account to the bank statement reflecting that date. Since then the amount has not been applied to my lien resulting in delinquency notifications and an issuance of repossession of the vehicle I am no longer in possession of. My new vehicle is financed with XXXX XXXX XXXX XXXX. I have attempted to contact Hyundai XXXX XXXX multiple times to explain I no longer own this vehicle and it was traded into a dealership they are contracted with, however after all this time no contact has been made with me about correcting this error by Hyundai Motor Finance. I have filed disputes with the credit bureaus without any avail and all they have done is updated the amount past due to the greater amounts they believe is still due. The dealership has made a solid attempt to provide all documentation to assist in getting this resolved also with no success internally. I have even made an attempt to reach a member from the executive team from their published websites, one XXXX XXXX XXXX, Vice President, Aftersales and Consumer Experience, Hyundai XXXX XXXX. It has been over 2 weeks dated XX/XX/year> since I sent that email.

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: OH

Complaint narrative:
I have not received my deposited check from my employer in my Capital One checking account on my pay date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app account was closed stating I had suspicious activity and they decided upon themselves to close my account. I reached out to customer service serval times and never reached a solution. Cash app was my main source of receiving my payments. The experience was terrible and explanations were very vague. My account was closed on XX/XX/year>.

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

Complaint narrative:
Capitalone.com has not deposited my payroll check yet. They emailed last night after hours, no other update and it's after XXXX on a Friday and still no money. My auto pays for other bills are bouncing back due to this

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 not depositing payroll into my account causing financial issues and distress due to not keeping their obligations as a service bank. Leaving myself and XXXX  of other consumers vurineable and in distress over financial issues which has caused myself and others without funds. Never received any notice or alert of the situation about the issue at hand. Very disappointed and humiliated because I can't pay bills on time or provide for myself or my family.

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:
I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming.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 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One not depositing my paycheck, due by XXXX XXXX XXXX My company has confirmed that it was sent and i am now missing out on two weeks worth of pay.

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 filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the customer 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 as they did not comply with error resolution requirements under 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to 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: IL

Complaint narrative:
i am filing a complaint with the CFPB regarding my Capital Ones failure to deposit my Direct Deposit AS WELL AS a transfer deposit from a third party savings. Capital One has cited technical issues, which violate the Electronic Transfer Act ( EFTA ) as it requires timely access to funds. This situation rises concern about customer 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 service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing 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 complaint adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates 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 serious concerns and 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: CA

Complaint narrative:
I have not receive my paycheck deposit of {$1200.00} into my account. My paycheck is split between multiple accounts, thankfully, and I know that the deposit was successful with the other accounts but is not reflecting in my Capital One Banking account. There is a notice on the app and when calling customer service that there was a technical issue but there is no estimated time for the amount to reflect correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was a victim of identity theft and fraud & disputed all of the accounts on my credit report with evidence that it wasn't me that opened those accounts but Experian would not remove the accounts from my credit report. I don't believe that they conducted a thorough enough investigation to confidently come to the conclusion that they came to or they didn't investigate at all. I also have reason to believe that it originated from the data breach in the first place.

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

Complaint narrative:
Sent money to the wrong persons snd couldnt get a refund

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 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 inconveniences, financial loss, and I seek appropriate redress for these violations! 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing formally to express my concerns regarding Zelle handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant financial 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 these lost funds was impossible and that tracking these transactions was not possible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This 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: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to formally express my concerns regatta Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 '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. The lack of accountability and transparency is very much unacceptable and raises serious concerns and questions 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: CT

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: GA

Complaint narrative:
I am filing a complaint against Cash App ( block , inc ) due to the inadequate customer service and unfair practices Which violated The consumers Financial Protection act. Specifically, cash app failed to take timely and effective measures to prevent address fraud on their platform, Leaving my account unprotected and Vulnerable. Furthermore, their dispute resolution process was unfair as they did not comply with error resolution ( EFTA ). These actions cause a significant inconvenience and financial loss

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:
XXXX XXXX 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and responding discrepancies my financial institution and Zelle fail to investigate my claims adequately

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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I am filing this complaint with the 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 may violate the Electronic Funds Transfer Act 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: Block, Inc.
State: NV

Complaint narrative:
I have got multiple deposit to my cashapp account. Cash app has stole alot of my deposits and when I tryed to contact customer service no one replied and next thing I know my account is locked and I can no longer use the app

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

Complaint narrative:
I woke up today ( Friday, XX/XX/year> ) expecting my direct deposit from my employer to be in my checking account. Not a singe XXXX from my paycheck was in the XXXX XXXX  account. I come to figure the servers are down with no word from the Bank anywhere until around XXXX. I checked online and found that others were having this issue and that its been happening since Wednesday, XX/XX/year>, for other users. This is really frustrating completely unacceptable. These companies have an obligation to their clients and withholding funds they worked for is not okay in the slightest. I was have bills, rent, payments, etc. to pay off and now im going to be behind and may suffer the consequences of late fees such as my gym membership I pay every month on the XXXX ( today ). I will be withdrawing my funds immediately once I have access to them and switching to another banking service. Unacceptable.

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: LA

Complaint narrative:
Haven't received deposit from work it's been 3 days

Company response to consumer: Closed with explanation