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: IN

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 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 — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I want to file a complaint because they close down my account, kept my money and did not let me re-open up my account. There was no customer service to help me with my issues on my card. No contact from their service or nothing. They did not have no customer service number. No one to contact them with my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
I am disputing the collection account with CHRYSLERCAP, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CHRYSLERCAP provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: TN

Complaint narrative:
I am a Capital One customer. I did not know Capital One was have technical issues until Friday morning. I usually get paid on Thursdays but didn't realize it didn't hit. I never got any communication from Capital One stating these issues. I had to research and also try to call ( Got hung up on ) many times. I have a car note through capital one and its now late. I have other bills which are now late and have received late charges. I want a credit on my account because of this.

Company response to consumer: Closed with explanation
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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am chase prime visa, that I used for my most of my purchases. On XX/XX/year> I was in XXXX visiting family the day I was leaving. I use my XXXX app to get an XXXX to go to XXXX international airport.. the amount for the trip showed around {$65.00} or so but when I clicked on my XXXX XXXX XXXX pay for the trip, the final amount came in euros, which is equivalent to XXXX. 
I immediately tried to cancel the trip on my XXXX app, but there were no such trip in the history of my trips. So I immediately called Chase card services explained what happened canceled my card and asked them to send a new one. I was under impression that they would cancel this fraudulent charge, especially when it was made in euros and I was in United States and it looks like that the charge came in from XXXX. Thats what it shows on my card.. I was never near XXXX, which could be very easy confined by looking at my tickets that I purchased to XXXX and looking at my purchase history right around that time. 
My fraudulent claim was denied by Chase services, which is extremely disappointing. They said it was denied based on their investigation. I wonder what kind of investigation they conducted? I dont believe that the company did any investigation whatsoever they just denied my claim. Please help!

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
From XXXX I was a member of Navy Federal and was being charged overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a customer of Capital One bank. My direct deposit is missing. Customer service has provided no ETA. This is in violation of Regulation CC. I demand release and access to my direct deposited pay check. 

Capital Ones excuse is vague and they are pointing a finger at a third party for the issue. Why are there no controls in place to avoid this from occurring. Issue began on Wednesday XX/XX/XXXX. It is now Friday XX/XX/XXXX. Customer services response today at XXXX EST is that they will hopefully have this fixed today

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: TX

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees apply to my account. Despite having sufficient funds at the time, the transaction was authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situation mirrors, the recent finding by the CFPB regarding Navy Federal practices were overdraft fees were assisted on transactions that settled the insufficient balances, even though funds were available when the transactions were initiated.

I believe these practices are unfair in respectfully request an investigation into my account and the specific transactions in question.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Sent certified mail XX/XX/XXXX credit account doesnt reflect I am disputing anything. My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information. 

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by failing to convey consumers ' disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers ' disputes ;

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: 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 process was unfair and deceptive, as they did not comply with resolution requirements under the electronic fund transfer act ( EFRA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
here to express my concerns regarding zelle 's handling of disputes, in light of the recent lawsuit with the issues zelles platform. using zelle multiple times and reporting discrepancies. zelle failed to investigate my claims adequately. informing me that recoving lost funds was impossible and that tracking these transactions was unfeasible. with recent findings shows that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. leaving user open to possible scams.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I XXXX XXXX XXXX sent Experian a letter with all my information they requested asking for them to remove all addresses that's not affiliated with me off my credit report as well Names Phone numbers and inquires Experian responded and said it would take 60 days to do a investigation and they responded back in 4 days going off a dispute back in 2022 id like my credit report to be fixed

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: VA

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 my account vulnerable and unprotected.

Furthermore, their dispute resolution processe 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 all these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Yesterday was when this happened which was XX/XX/year>. I usually receive direct deposit with capital one, under my partners account. I called them and received no updates until XXXX. The updated they provided, did not have any details as to why they were withholding my money. I then proceeded to call XXXX more times throughout the day to be lied to and told that the money would hit the account at the end of the day. I had to call out of work for XXXX days because I cant afford gas, this is now affecting my personal life in a profound way. Im having XXXX in XXXX weeks and was counting on this money. Today it is now XX/XX/year> I still have not received my money and today is my companys pay day. So now they have withheld my money for over XXXX. When I called this morning they hung up the phone instead of providing any details. Im now filing a report and currently on the phone with them again.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPFA ). Specifically, Cash App failed to take timely and effective measuresbto 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:
Hello, I get paid bi-weekly and I shouldve expected a check on XX/XX/XXXX  but have yet to receive any of my funds. I have bills to pay and dead lines to meet, and capital one has been replying the same way to everyone about their concerns. I didnt get any info on the situation until I got an email around XXXX on the XXXX  of XXXX. I also got my statement from XXXX but still no access to my funds. Im trying to find a way to rectify this situation as its completely irresponsible on the banks part to be keeping everyones money on lock down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed several inaccurate items through XXXX which have come back verified.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed several inaccurate items through XXXX which have come back verified.

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: AL

Complaint narrative:
I want to file a dispute for many overdraft fees with Navy federal that Ive incurred. Despite having funds available in my account. Transaction posting to my account

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Medical bill sent to collections being reported on credit for several months affecting my credit score. Disputed to the 3 bureaus the incorrect and inaccurate info which caused my score to drop XXXX pts. Was told the information was correct. After months of contacting the medical office and requesting a pay to delete, they confirmed amount incorrect and should have never been reported. A few days later it was removed from my credit but the XXXX it's were not given back for the error in reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 filling a complaint against Cash App ( Block, INC. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

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

Complaint narrative:
No live support and due to that my information was given to someone else my account had unauthorized transaction

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: TX

Complaint narrative:
I filed a dispute on XXXX XXXX  that starts with XXXX. due to that account not belonging to me. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car & apartment. Experian violates my rights as a consumer, as well as federal laws.

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: LA

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.

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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I started a trucking company in XXXX  and opened a business checking account with Chase for the company. Once I started generating revenue Chase offered me a business Credit card which I opened with them. Since the trucking industry as many other industries as well took a nose dive I was forced to shut down operations. Leaving a balance on the credit card. I have agreed once things settle for the company to pay the credit card balance however Chase has started to report on my personal credit the late payments on the business Credit card. I was registered as a XXXX XXXX XXXX  with the state of IN and as such opened up the credit card for the company. However due to Chases constant refusal to report this on the business instead of the personal credit it has caused me much harm in my personal life. I am not able to move my child to a better school as nobody is willing to give me a loan due to this reporting. I have had a very high credit score up until this point. I have never been late on any one of my obligations for any loans or credit cards. I request that Chase fix this problem and remove it from my personal credit reporting as soon as possible. They have also used threatening language in the phone calls they have made to 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation