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: MO

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 t
he 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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am dissatisfied with Barclay 's XXXX XXXX XXXX.I have closed my account in disgust as of XX/XX/XXXX, having paid my balance in full. I dispute paying the annual fee ( {$99.00} ) which is incurring interest. 
In XXXX of XXXX, I applied for a Barclay 's XXXX XXXX  that would give me XXXX XXXX XXXX XXXX. It took 4 months and XXXX hard hits on my credit rating ( XX/XX/XXXX and XX/XX/XXXX ) when I applied for the card ( with my sending back and forth much documentation ) to get the card. The approval process dragged out so long that the promotion for which I applied had expired. In retrospect, had I known the promotion expired, I should have closed the card at this point. 
I had considerable difficulty and frustration in reaching a person on the customer care team ( not a bot ) regarding a new promotion for which I applied on XX/XX/XXXX ( XXXX miles ). I was declined saying I had an existing account. XXXX XXXX Customer Service said I was entitled to the promotion since I had not ever received XXXX. They suggested I request Barclays to alter my registration date so that I was eligible for the current promotion. ( XX/XX/XXXX, XXXX ) I had been up to date on all of my payments and my credit was in good standing. Barclay 's refused to do this and was told me it would take an investigation and XXXX billing cycles to review, and that I would not be eligible for the new promotion of XXXX miles anyway - at most XXXX? While still attempting negotiate the situation, I began being harassed daily by calls telling me to " collect a debt '' which was the annual fee, due XX/XX/XXXX. I paid the my card off and closed the account in dissatisfaction.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
Hello, back in XXXX of last year Freedom Mortgage sent me documentation to do a loan modification with trial payments, I did the first payment, went to the second payment, I was told the first payment was applied incorrectly thus having to redo the process. From this point forward they made me apply for the loan modification and every time they said they never received the documents needed, they didnt have enough time etc. I have a paper from a law firm dated XX/XX/XXXX in which they then planned to auction my house off.. I contacted them, resubmitted documentation, and got the auction delayed until XX/XX/XXXX of this year.. I was informed about a week before the auction they didnt have enough time to do the loan modification and the underwriter denied the loan modification. I provided bank statements, pay stubs, everything they needed. I have worked full time at my current job since XXXX XXXX I was behind for XXXX XXXX XXXX payment and that is what started this whole process. They have refused to work with me, they are now selling my house via a real estate company because it did not sale at auction. I have contacted them asking what do I need to do, they say nothing can be done I am loosing my house because of this company and if you look at my account on here youll see I had to file a complaint against them because they wouldnt accept documentation from the state which was basically the state trying to give them a check and the only way that worked out was after I filed the complaint against them with you.. I shouldve did this a couple months ago but I was hopeful theyd do the loan modification since I provided them with everything. They have had zero communication with me, and if I wasnt signed up for auction.com and had my house saved in my profile I wouldnt even have know about the auction being on XXXX the XXXX and then I called them and was told to contact the law firm.. of which no one ever replied to me I received an email this morning from auction.com saying my house was now vacant and that bidding starts in 8 days can someone please intervene and help. This company has a reputation at least with me with not doing what they need to do and they dont care if I end up homeless. I have documentation of everything needed as well to show everything stated above. 
Please help me if you can, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 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. Such actions has caused significant inconvenience and financial loss, and i see 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: TX

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 requirements under the Electronic fund transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial losses, and I seek appropriate redress for these violation.

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: MN

Complaint narrative:
I would like to file a complaint against ( 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: FL

Complaint narrative:
I've been expecting my company paycheck to be direct deposited since Thursday, XX/XX/XXXX, and I'm also expecting a loan deposit into my savings account from XXXX as early as today. I desperately need both of these in order to make deposits on my new apartment so that I can move. However, since yesterday I'm getting a message, both in the app and on a recorded message that they are experiencing " technical difficulties '' with a " third party vendor ''. They eventually sent out an email saying all should be remedied soon, but when I try to call to make sure they know that my account was once of the affected account I get cut off after going through the 5 minute gauntlet of confirming my account! This has happened four times!!! And there is no other way to contact them!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was never given the reason why my account was closed since XX/XX/year>.

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: MO

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 of 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: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which voliate the Consumer Financial Protection Act ( CPFA ). Specifically, Cash App failed to take timely 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 Fraud 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: IL

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: TN

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, an 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: MN

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 : address fraud on their platform, leaving m, 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I submitted more evidence to my School Misconduct Application on XX/XX/year> and most of my eligible private Signature Loans were placed on Administrative Forbearance. One of my Signature Loans was released from Administrative Forbearance and my Tuition Answer Loan was placed on Administrative Forbearance. See attached document Mohela incorrect loan forbearance. XXXX Signature Loan should be in Administrative Forbearance while XXXX Tuition Answer Loan should not according to XXXX response to a CFPB complaint I made XX/XX/year>. Their response stated my XXXX XXXX XXXX  was ineligible for loan forgiveness and forbearance due to the Holder Rule. See attachment CFPB Complaint Detail XXXX Holder Rule. This makes no sense to me and on top of attending a predatory scam school, my School Misconduct Application lies in the hands of a company that does not play by their own rules and is clearly mishandling my private loans. 

Mohela also responded to a CFPB complaint I submitted on XX/XX/year> regarding another School Misconduct Application denial citing the Holder Rule as the reason for denial when my newly submitted evidence in that application had nothing to do with my XXXX XXXX XXXX  or the Holder Rule. See Mohela Complaint Detail Response Mis-Addressing Holder Rule. How am I to trust them as a lender?? Mohela/XXXX have proven to be untrustworthy and negligent with the handling of my private loans.

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

Complaint narrative:
Capital One not processing direct deposits due to " third party issue '' My funds are held up and it feels terrible!!!!!!!!!!!

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant 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: NC

Complaint narrative:
I am writing to bring urgent attention to a deeply troubling situation involving Capital One 's systems being down for nearly 48 hours, resulting in significant delays for direct deposits, including my own paycheck.

As of now, I have not received my paycheck, which has caused severe financial disruption for my family and me. This delay is unacceptable, but what compounds the issue is the utterly inadequate way Capital One has handled the situation : Lack of Transparency : When I contacted Capital One customer service, they were not forthcoming about the reasons for the delay. Shockingly, a representative informed me that they only became aware of a " tech issue '' through customers, not internal communication. This lack of preparation and transparency is alarming. 

No ETA for Resolution : Despite the widespread impact, Capital One has failed to provide an estimated time for when their systems will be back online. Thousands of customers, myself included, are left in the dark about when we can expect access to our funds.

Severe Consequences for Customers : Due to this delay, autodrafts for essential payments have already been declined, putting my family in a precarious financial position. If this issue is not resolved today, we will be forced to go through an entire weekend without access to funds, creating unnecessary stress and hardship.

This level of service and communication from a major financial institution is beyond unacceptable. Customers depend on their banks for reliability and transparency, especially regarding something as critical as their paychecks. The mishandling of this situation has eroded my trust in Capital One, and I will be moving my business to a more dependable institution. 

I urge you to investigate this issue to highlight the impact it is having on thousands of customers and hold Capital One accountable for their failure to address this crisis effectively. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am filing complaint against cash app due to inadequate customer service and unfair practices which violates the consumer financial protection act. 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 didnt comply with error resolution requirements under electronic fund transfer act 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