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: 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 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 users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Was supposed to receive my direct deposit but never received it, with little to no explanation

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:
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 18.61 K have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been paying on my care credit card for over a year my payments have been XXXX plus dollars and my balance still remains the same because of the high interest rates its ridiculous how can anyone afford this, its already ridiculous when you have medical insurance you pay for and you still end up paying so much out of pocket then in order to cover that I rely on care credit and they scam you

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: TX

Complaint narrative:
I am filing a complaint with CFPB regarding Capital Ones failure to deposit my Direct deposit from my employer and any other incoming deposits. Capital One has sided technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. The situation raises concerns regarding consumer protection laws, And I request your assistance investigating this matter to ensure my rights are being upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: 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 of 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 also has allowed repeated 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app is the wrong card ever to have I cant get in contact with no live report

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 XXXX  a complaint against Cash Appv ( Vlock, Iinc. ) Due to inadequete customer serviceband unfair practices, which violate the Consumet Financial Protection Act ( CFPA ). Specificalky Cash App faoled to take timely and effective measures to prevent an address Pride on their platform leaving my account burnable and unprotected furthermore their dispute resolution process was unfair and deceptive as they do not comply with error resolution requirements under the electronic fund transfer Act e l t a regulation e these ads have caused significant inconvenience and financial loss to seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requesting the removal of XXXX XXXX from both Equifax and XXXX credit reporting. As XXXX found XXXX XXXX unverifiable and inaccurate and decided to remove it from their system and no longer on my credit report with them. XXXX reports conflicting details than that of Equifax, raising concerns about its validity, especially considering potential errors from the XXXX Equifax data breach and the XXXX XXXX XXXX data breach. This situation is worthy of removal based on the integrity of the entire credit reporting system.

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: LA

Complaint narrative:
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.transactions was unteasibie. ine CFPB 's finings indicate that eile 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
My direct deposit ( approximately {$1400.00} ) and my husbands ( approximately {$1000.00} ) usually show up Thursday morning around XXXX. When it still wasnt there Thursday afternoon we looked into it and found we werent the only ones. I called and after being on hold for 3 hours they said it would be fixed by Thursday night. Its Friday at XXXX now and Ive heard nothing else and it isnt fixed. Theyve been processing stuff out of my account but cant release my pay into the account?! Now they wont even give an update.

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 would like a full investigation in what is taking place with my funds. I want access to my fund immediately and any fees added due to this issue- refunded. I would like the cipb to also provide their investigation and any fines that capital one would be responsible for.

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: AZ

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 redrest : ( 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 redres : 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: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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: TX

Complaint narrative:
I have early pay direct deposit with capital one. My paycheck wasnt deposited early. That was XX/XX/year>. The company waited till XXXX XXXX  XX/XX/year> to issue an email. 
2 days later and it still hasnt been deposited. I figured it would be paid on the regular pay date but it still isnt in. I am supposed to be paid {$900.00}. 
I am still in the dark about where my money is and when it will be deposited. 
The stress this has caused is inexcusable.

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 filing a 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 ( 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 had an outage in their system that caused them to have deposits withheld. 

It has been over 48 hours. We were notified of the problem last night and there hasnt been any changes of outcome since the beginning of the outage, Wednesday

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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant with the platform. Despite using Zelle numerous times and reporting discrepancie, my my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The. CFPB finding indicates that Zelle has not only neglected to protect consumers but had also allowed repeat offenders to exploit the system. Leaving users vulnerable to scam. 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Direct deposit was supposed to be paid into my checking account XX/XX/XXXX. As of XXXX Friday XX/XX/XXXX it still has not hit my account. The funds have been sent from employer through XXXX. Capital one is aware of the issue and still has not resolved it. I have no money and am unable to pay bills that are due and my account is now in the negative and they are doing nothing!

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 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.

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:
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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I had my student loans forgiven under the PSLF program. I have been working for XXXX XXXX XXXX since XX/XX/XXXX to current. While my loans have been forgiven, I will owed for my over payment from XXXX to XXXX. I am estimating that I am owed about {$18000.00}. Mohela will not talk to me and keep stating that I am not owed any overpayment. I have spoke to the Dept of Education and they agree that Mohela owes me money for my overpayment. Please help me get my money!!!

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: TX

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 situation 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 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: Early Warning Services, LLC
State: MI

Complaint narrative:
Zelle has failed to protect their consumers. They have not helped. I have reported multiple incidents with no help in return.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have reached out to Ally Bank on multiple occasions concerning an account that has my name on it. ( Account XXXX ) I have NOT opened any Auto loan with Ally Bank. I've called the customer service line with no resolution. I've been told that I can not speak on the account because the account is in bankruptcy. I have not filed for bankruptcy and requested that this account be removed from my credit file. Ally Bank will NOT speak to me concerning the account because of a bankruptcy status. The account shows on my credit report as Charged Off in the amount of {$20000.00}. I request that this account be investigated, removed, and my credit profile restored. I have never signed any paperwork with Ally Bank for any vehicle.

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: IN

Complaint narrative:
I bank with capital one account ending in XXXX and I typically receive early paycheck deposit since my ACH deposit is set up. It has been over 72 hours, and I still have not received my direct deposit. When I called I waited on the phone for over 81 minutes and was disconnected once I reached an agent. They have not communicated at all and there are bills that need paid from my account. I have heard nothing other than they were looking at the problem during an automated email sent at XXXX XXXX  on this past Thursday the XXXX. I was supposed to be paid on the XXXX.

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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information 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 nor 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 rights 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