vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not onlyneglected 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 about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: IN

Complaint narrative:
Despite using Zelle numerous times and reporting my discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MO

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 claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs findings indicates Zelle has not only neglected to protect consumers but its 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 about consumer safety.

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: Trouble using your card — Account sold or transferred to another company
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I am writing to formally file a grievance against American Express regarding practices that have resulted in significant harm to me as a consumer. Specifically, I am contesting the enforcement of what constitutes an adhesion contract, which is void due to misrepresentation, unjust enrichment, and fraudulent conduct on the part of American Express.

Nature of the Issue Adhesion Contract : The agreement I was subjected to appears to be a non-negotiable adhesion contract, offered on a " take-it-or-leave-it '' basis without any genuine opportunity for me to review, negotiate, or amend the terms. These terms are excessively one-sided, favoring American Express and leaving me with no meaningful recourse to protect my rights.

Misrepresentation : I was induced into accepting this agreement under false pretenses. American Express either misrepresented or failed to disclose critical terms, benefits, fees, or obligations associated with the account. This omission of material facts misled me into entering the agreement without a full understanding of its consequences.

Unjust Enrichment : By enforcing these terms, American Express has unjustly enriched itself at my expense. Examples include excessive fees, ambiguous charges, or terms that exploit the lack of transparency to extract monetary benefits far beyond what is reasonable or equitable.

Fraudulent Conduct : The practices employed by American Express in this matter constitute fraud. The company knowingly made false representations or concealed material information with the intent to deceive me and gain an undue advantage. This conduct violates basic principles of fairness and trust, both of which are essential in consumer relationships.

Impact on Me The above actions have caused significant financial and emotional distress. I have been subjected to unwarranted fees, penalties, and other financial harms that have affected my personal finances and well-being. Furthermore, the lack of transparency and good faith from American Express has eroded my trust in your institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: AR

Complaint narrative:
I am filing a lawsuit against equifax for failing to properly investigate my disputes involving inaccuracies in my credit report. Despite, my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of through investigation. This action violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the ( CFPBs ) recent administrative proceeding ( File NO. 2025 CFPB-0002 ) against them for the similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have Capital One checking, I always get my direct deposit early on XXXX  morning, it is now XXXX XXXX, I have not received my direct deposit paycheck. I have bills that are due and I need to buy groceries for the family. They are sorry for the inconvenience. They are not saying if I should even expect a direct deposit this weekend. XXXX  is a holiday. I have no idea when or if I will receive my direct deposit. This is affecting all of their customers, not just me. Do not trust Capital One with your direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
My job sent my paycheck Wednesday XX/XX/XXXX, I always get paid thursdays. It is Friday night and I was told by the company and by 2 agents that my funds would be available Friday MORNING. Nothing is in my account and I have called twice today XX/XX/XXXX and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: AR

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filling a complaint against cash app ( block, inc. ) Due to the 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 an 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 the electronic fund transfer act ( EFTA ) And regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for this violation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 again CashApp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account and others 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 readdress 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: CA

Complaint narrative:
I signed up with Capital One within the last two weeks and switched my direct deposit to them. My first paycheck with them, I can't access my money because their system is having issues. I understand the issue lies with XXXX, but Capital One has not been the least bit transparent during this ordeal. If they're " working closely '' with them as they claim, they can provide the rest of us with more transparency and updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 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. There dispute resolution process was unfair, deceptive, and did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused a huge inconvenience for me and my family. With high financial losses. I would like to seek appropriate actions for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Thursday, XX/XX/XXXX at around XXXX XXXX  I noticed I hadnt received my direct deposit from my employer. Something prompted me to check to see if the Capital Ones website was down, which it was showing that a majority of people were having issues with accessing their direct deposits. Later that morning around XXXXXXXX XXXX I called in to speak with a representative about the issue and to see when thered be a resolve. She replied that she didnt have an idea as to when funds would be available due to an ongoing technical issue. Still no formal communication from Capital about the issues, only a banner message stating experiencing technical issues. Later that night at XXXX XXXX I received an informal email stating the issue, still no estimated time frame only apologies for the inconvenience. The following day on Friday, XX/XX/XXXX, I log into Capital Ones mobile banking and still see that my deposit isnt there. I called and thankfully didnt have to wait to speak with a representative, I asked to file a claim for my missing deposit. The representative went over several questions and was able to give me a claim number for my missing deposit which is for {$780.00}. It is now XXXX XXXX and theres still no update.I tried calling in an hour ago and theres a 109 minute wait. Id like to also add I find the sequence of events suspicious, considering a {$2.00} B lawsuit AGAINST capital one came out Tuesday, a day prior to their technical issues. I cant pay my bills due to this inconvenience that news articles claim are affecting some customers my account was negative prior to my expected pay day, but now Im literally stuck. I do not have anything in my savings since I am living paycheck to paycheck at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
Capital one says that they have had an outage. This outage has affected direct deposits/ paychecks to be deposited. As of right now my paycheck is 2 days delayed. I live paycheck to paycheck nowadays. So time matters. I will now have late fees if things don't get shut off. Capital one has not given updates on am eta when this will be resolved. I will be switching banks but all of us would also still like the money we are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
Capital one has been having a third party error that doesnt allow them access to direct deposits, transactions, withdrawals or transfers. 
I have been affected by this. I usually get my direct depot by Wednesday afternoon, I didnt receive it and accepted it since thats a benefit front he bank. They sent an email Thursday at XXXX EST advising it will be resolved by Friday morning. It is officially Friday night and still havent received my paycheck. They said they will work through the weekend but Monday is a holiday which means I wont receive my funds until Tuesday. 
My bills are declining. My bills are going to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SIMM Associates, Inc.
State: KS

Complaint narrative:
Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause. 
I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account. 
The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement. 
2. Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. Validation requires : The original signed agreement identifying me as the debtor. 
A chain of title proving ownership transfer of the debt. 
Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. ( SeeSpears v. Brennan, 745 N.E.2d 862, Ind . Ct. App. 2001, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) 3. Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within five days of initial communication, depriving me of my right to dispute the debt. 
4. Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting. 
5. Failure to Respond ( Estoppel by Silence ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts. 



Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful. 

Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capitol One claims they are having technical issues with direct deposits that should have been in my account Wednesday. Friday at XXXX and still no money that I need for bills and food.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been waiting for my direct deposit for about 3 days now, and have had little to poor communication from my bank ( capital one ), they only sent out an email 24 hours after there had been continuous issues and have yet to resolve this issue for myself and, for what seems now, thousands of other people. I ask that this be investigated fully, as not having access to my account for 3 day is quite ridiculous and serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: NC

Complaint narrative:
Failure to remove them off my credit account on XXXX and XXXX

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 2025-01-18 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 process requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses 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: FL

Complaint narrative:
Direct deposits have not been deposited to accounts in the last 3 days. They are not available and company has not fixed it. Many people have not received their direct deposit pay from work or other types, I have not received my financial aid reimbursement despite my University saying it has been disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transaction was authorized. I was charged fees due to lagging posting charges and credits. this issue aligns with the recent CFPD finding against Navy Federal for similar practice and transactions settled with insufficient balance despite initially available funds. I believe this practice is unfair and request for 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 2025-01-18 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: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-01-18 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 filing a complaint with the CFPB regarding a Capital One failure to deposit my direct deposit from my employer. They have cited tech issues since Wednesday which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about consumer protection laws, and I request assistance in investigating this matter to ensure my rights are upheld.

Company response to consumer: Closed with explanation