vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a Capital One Business Checking account. A deposit was deposited to the account on XX/XX/XXXX. Later in the day when I try to use my card for payment, it was denied. I looked on the website and saw that I had no access to the checking account. It states that they are having a problem with Business Checking accounts and is working on the problem. I called the customer service and she assured me that the problem would be fixed within 24 hours. It has been 24 hours and I still have no access to my checking account and my automatic payments have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
transferred money to account has been pending saying posted but still not available. XXXX process instant transfers and money was sent on XX/XX/XXXX around XXXX. Money still showing available but not accessible. This is causing major hardship and damage. As per my consumer rights I would like this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected no removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: AZ

Complaint narrative:
I am writing to file a complaint against Navy Federal Regarding multiple Overdraw fees I have incurred. despite having sufficient funds When transactions We're authorized. I was charge fees due to lagged posting of charges and credits. this issue aligns with CFPB Findings against Navy Federal For similar practices, Were 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: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX bank says I have a credit card big lots I have no knowledge of this card I don't know what address was used

Company response to consumer: Closed with 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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concernsregarding Zelle 's handling of disputesparticularly 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. 

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 2025-01-17 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 submitting a formal complaint against Cash App ( Block, Inc. ) regarding their subpar customer service and unfair business practices, which contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, thereby leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they failed to 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
All I wanted to do was close my account without losing any of the funds that I had deposited, but the entire process has been a nonstop hassle of waiting for transfers to complete and getting hit with additional fees. On XX/XX/XXXX I reached out to PNC 's online chat service to inform that I would like to close my account. I They told me to process an external transfer of the remaining funds and check back once settled. When I asked about the monthly service fee the informed me that it wouldn't be an issue as the account was being closed. As you can see in the attached screen shot of my transaction history, I was charged a monthly service fee while my funds were in the prolonged transfer process. This led to an additional overdraft fee of {$36.00} to hit my account. It is now XX/XX/XXXX and I still haven't been able to retrieve my funds and close the account, again due to the obnoxiously prolonged transfer process. I went to my local branch to withdraw the remaining funds and they wouldn't let me take anything less than a {$10.00} denomination, leaving {$5.00} in my account, which I now see can not even be transferred out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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

Furthermore, their dispute resolution 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I use XXXX with my Wells Fargo Bank account. Would like to add my Complaint that at the beginning a confirmation disclaimer was never in place when sending money.

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 2025-01-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my account when I went into the branch to make a wire transfer. There is about {$160000.00} in the account. They refuse to disburse a cashiers check to me now at the branch for the funds that were in the account. They are now saying I have to wait for a check to come in the mail, with an unknown time frame for when the check may arrive.

I just sold my car this morning for {$19000.00}, and I just deposited this check at the Citibank branch before trying to make the wire transfer. I now have zero access to the money that I just sold the car for, and zero access to any funds that were in my checking account, for an indefinite amount of time. The banker, XXXX XXXX, has repeatedly stated that there is nothing the branch can do, that the back office has made the decision and it is final.

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 2025-01-16 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: OH

Complaint narrative:
I was not informed about recovering lost funds if sent to the wrong person. Zelle neglected my consumer rights. Leaving me to feel vulnerable and lack of Investigation to reimburse me funds that were lost. I want CFPB to protect my right in the future to recover lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds and 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 were settled with insufficient balances, despite initially available funds, I believe these practices are unfamiliar 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 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Around the beginning of XXXX, XXXX I believe, I opened an American Express Gold Card at the recommendation of an American Express customer service representative. The reason for that cross sell was that I had recently opened a Delta American Express card that was a mileage based travel rewards system that I thought could be used in the same manner as a points based system for travel. Under a mileage reward system, tickets could only be purchased once enough mileage rewards had been earned to pay a ticket in full. With a points based system, points could be applied to pay down the cost of flight tickets if you did not have enough to cover the cost of the entire ticket. So I made the switch and applied for the American Express Gold Card, that carried a much higher annual fee than the Delta American Express card. The promotion in place at the time I applied was XXXX points after spending {$6000.00} in the first 3 or 6 months ( can't remember ). Just in the first alone, for statement period ending XX/XX/2024, I had {$17000.00} in charges and well surpassed my requirement. In the first 6 months through period ending XX/XX/XXXX, I had over XXXX XXXX  in charges. I called American Express in XXXX and spoke to an agent who on a recorded call, informed me i would be receiving my XXXX bonus points at the end of the next business cycle. I never got my points. I called American Express back and filed an audit request with their compliance department after being told that I would not be getting my bonus points was because I had recently opened and then closed the Delta card. I explained to them why I switched my card and that it was based on their recommendation on what I was looking for in rewards. They stated they could elevate it for a higher level review, but I was still turn down.

Upon reviewing their account disclosures for the American Express Gold Card, there is no clear language that states I would not have qualified for the XXXX points. I feel like I was mislead into believing that I would qualify for the bonus points. American Express greatly benefited from my switch to the Gold Card with the amount of interchange income they have earned while not having to honor giving me my XXXX bonus points I believe I deserve. 

Other than this occurrence, I'm happy with the card and it does give me the rewards system I'm looking for, but I feel like I was lied to. Their disclosures do not state a person in my scenario would not qualify for the points, and the agent I spoke to in XXXX put me on hold, spoke to someone on her end, and on a recorded line promised me I'd be getting my bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
The way the customer service team is for cash app isnt helping me Id rather be directed to a live chat or to talk with a customer service representative ( block , inc ) doesnt provide that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your XXXX ( XXXX ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a 1099c for these accounts. Can you please provide me with a XXXX to accurately reflect them being charged off for tax purposes. XXXX XXXX CODE XXXX XXXX XXXX Code XXXX XXXX Code XXXX ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
This background company keeps reporting things on my background report that should not be reported because of my expungement. Ive provided them my expungement documentation numerous time in regards to this matter but they do nothing about it, and continue reporting it. Ive lost 6-7 big contracts behind this and its screwing up my life

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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
My debit card was leaked online and some used my card to purchase things online on XXXX2024, XXXX XXXX XXXX XXXX XXXX, AUTH # XXXX DEBIT CARD DEBIT for the price of {$140.00} and XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX AUTH # XXXX DEBIT CARD DEBIT and my bank refuses to give a refund I did not make these purchases

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a work from home job offer by XXXX XXXX in XXXX of 2021. They sent me checks to purchase materials for the job. The checks bounced and I did not receive anything. I lost {$5000.00}

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 would like to express my concerns regarding Zelle 's handling of disputes, especially since the recent CFPB lawsuit that has highlighted some of the security issues with the Zelle platform. I've on numerous occasions had dispute issues and had no response or investigation regarding said issues from my financial institution or Zelle as my claims went unheard or dealt with. They told me that recovering my funds was impossible and trying to trace the transaction was also a no can do. The CFPB indicate that Zelle not only failed on protection of consumers rights, but has also allowed scammers to exploit the system with those loopholes. There was no confirmation requirement prior to recent times, making transfers absolute and without proper security protocols that should have been established from day one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was a victim of fraud and employment scam. I was sent an illegitimate check to cash and then transfer the funds to another account for an organization that was " Aiding the less fortunate ''. There were no warnings from Zelle. Before the check bounced the money was gone and I was out {$2000.00} and unemployed. I contacted XXXX and received {$10.00}, as compensation..my insurance company wouldn't help because it wasn't technically a " theft '' but I consider this a theft as well as the police. I filed a police claim and provided them the names and information and took this back to insurance who still said they could do nothing. This theft took place XX/XX/year>.

Company response to consumer: Closed with explanation