vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint with Capital One Bank. They are withholding my direct deposit and not communicating with me, the consumer and customer. This will directly affect my credit score as I will not be able to play bills due to this issue. Capital One needs to dispense my direct deposit immediately.

This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant losses for millions including myself.

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 an 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 an 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 a significant inconvenience and financial loss, and I seek appropriate redress for these violations. Cash App failed me as a customer/client of their company.

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: GA

Complaint narrative:
I have not received my direct deposit. They promise 2 days prior to pay day and nothing has been deposited. Wednesday no deposit and Friday still no deposit. My payroll has confirmed that payment was sent correctly, capital one as admitted via email that they have system issues.

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 was expected to receive my direct deposit on XX/XX/year>, it has now been XXXX hours and the deposit is still not available to me and I have been given no ETA as to when my funds will be available.

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: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I reported unauthorized charges that was made using my credit card. I explained that my card had been lost. Capital one immediately closed my account says it was due to fraud, I tried to contact Capital one and explain that my card had been lost. I've been trying to get on a payment plan to have a lesser monthly payment, and Capital one refuses stating I'm ineligible, I've been on a medical leave from work and struggling to pay the monthly amount, I understand that payment solutions are available to Capital one customers, and I'm being discriminated, and I've still don't know why my card is closed. Customer service has been very rude and only thing they tell me is no offers apply to me.

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

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

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

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 acts 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: NJ

Complaint narrative:
I am filing a complaint with Cashapp ( Block Inc. ) due to inadequate and insufficient customer service support and unfair practices while being a user. Cashapp failed to assist and take timely measure to assist with urgencies. Their resolution process was unfair and one sided and I feel taken advantage of. Under the EFTA and Regulation E, there should have been sufficient effort to aid in a resolution. I am asking for appropriate actions for my inconveniences.

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: OH

Complaint narrative:
Capital one 360 account is having technical issues causing money to be withheld from its customers. The will only give a generic response and will not give any more details or credit the money owed.

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 filing a complaint against CashApp ( block , Inc . ) due to inadequate customer service and unfair practices, which violate 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 vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requiremtns 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 resolutions.

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 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: NC

Complaint narrative:
I am filing this 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 effectibe measures to prevent and address fraud on their platform, leaving my account vunerable and unprotected. Futhermore, their deceptive resolution process was unfair and deceptive, as they did not comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvience 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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On the beginning of XXXX I asked American Express what was going on with the promised credit after spend amount on XXXX new cards I was notified by XXXX XXXX and XXXX card offered XXXX $ after XXXX $ spend and the business card offered XXXX $ after XXXX $ spend. He told me they dont give credit only member ship point but i told them it did not add up to what I was offered for signing up and I just felt like they were being rude when I called as well and I explained to them that I was sure of what I saw because I even planned with the credit and I received XXXX with their first card I got from them and got the credit promised after I spent.. I wast going to do a complaint until today I see they are paying out a lawsuit for false advertising and I believe I was a victim.

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: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I had given my brother {$2100.00} on XX/XX/XXXX and on XX/XX/XXXX they sent him a letter saying to contact the other party however the other party is me and I never received the money. I have noticed that they never had a disclaimer warning users about the money they will be sending and I want my money back. As you can tell from the enrollment in Zelle I was un- enrolled and when I tried putting in my information a different persons information automatically popped up assuming they enrolled using my number and intercepted my transaction

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 One failure to deposit my direct deposit from my employer. 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to an adequate 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 an address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the 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
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 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 errors resolution requirements under the Electronic Fund Transfer ACT ( EFTA ) and regulation E theat 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: IL

Complaint narrative:
I bank with Capital One and my payroll funds are electronically posted to my account. I get paid today but normally on XXXX since Capital One can make funds available up to XXXX days in advance. I've called several times to find out when I can access my funds and they give a half hearted apology, provided an ETA of today at XXXX XXXX. ( which did not happen ), says they are working on it, etc. Nothing. We are facing a XXXX day weekend and I can not afford to not have my money. Can you all help. This is not fair. I have to wait XXXX weeks to be paid and not I have no idea when I will receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CT

Complaint narrative:
To Whom it may concern, My complaint is about the payments that you receive and DO NOT post in a timely manner. 
I sent a check on XX/XX/XXXX. As of XX/XX/XXXX and per XXXX XXXX in Customer Service, the phone payment I made on XX/XX/XXXX was posted and she gave me the confirm # I asked for. I explained that my check that was mailed is not showing as posted. She asked if I had cancelled, I told her " no '' because if they did get the check then that would cost me {$20.00} due to non cash-able check fee. XXXX XXXX asked if I would want check applied to next payment and I said yes, because we would be paying in a couple of weeks anyway. 
I mentioned that in the past, when my checks were mailed with tracking, it took only XXXX days to get there. But, maybe due to the weather, it was delayed. I asked where it gets mailed to and she confirmed XXXX Come to find out that afternoon, our bank showed that the check was cashed that very day ( XX/XX/XXXX. ) My question is... how come this payment was NOT posted to my account and showing at the time I spoke to XXXX XXXX? It takes a few days to get back to the bank. This leaves me to believe that Rounddpoint was holding this check. For what, to collect a late fee? a non- cash-able fee? to change the terms again, as they did in the past and was reported to the CFPB about? 
Sorry for inconvenience won't cut it. Why wasn't this check not posted in a timely manner? 

Reply expected.

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 — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Im aware of whats going on with capital one issue but its unacceptable that I can not receive my deposit, my deposit is supposed to be atleast {$500.00} on XX/XX/year> and when I woke up this morning I didnt receive a dime I have loans, bills and kids to feed just like everybody else I need my money today because Im highly affected by inflation and just trying to get back on my feet, capital one hasnt gave me any problems before so please do not let me switch banks or sue

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: GA

Complaint narrative:
Capital One began having issues on Tuesday XXXX was not told by my bank until XXXX XXXX XXXX XXXX  that there was an issue with a XXXX party vendor my deposit still is not in the bank, they are taking payments out now which has now caused me to be severely overdrawn and here it is the XXXX day and capital one still can not give a timeline of when this issue will be fixed..I 'm going to loose my car I have no food can't get gas. They can't issue my deposit but they take my Okey out that was in there..I want this bank closed down I want pain and suffering and my act back to clear before my deposit is made..I am demanding that my overdrawn balance be corrected and reimbursed..this HAS BEEN A NITEMARE AND NOONE IS HOLDING THESE CROOKS ACCOUNTABLE

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: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
My was take and stolen out my account I was scammed several times and I could never receive any help were no live Agency support help or no real Customer service etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This happened - my deposit was hindered by a 3rd party vendor which is hindering me and my trip. Now my money is being withheld before I leave the state of Tennessee to go on vacation. Im losing out on over XXXX dollars because of this Heres there one email response Only one and others I have gotten they should pay for this, they are costing people money Valued customer, Starting XXXXXXXX XXXX XXXX Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers.

Specifically, this has delayed processing of some transactions including direct deposits and Early Pay credit for direct deposits, as well as electronic payments and transfers ( ACH ).

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One Mobile app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One Branch or XXXX  
As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously.

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: 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 2025-01-17 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 due to be posted into my account today. No deposit has been deposited despite my company confirming the deposit has been sent.

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

Complaint narrative:
I want all the monies that is due to return to users

Company response to consumer: Closed with explanation