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: GA

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Customer 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 resolutions 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 financial losses and I seek appropriate redress for these valuations.

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 not having proper customer service and unreasonable practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take measures to prevent and resolve fraud issues leaving my account unprotected. The dispute process wasn't the best and didn't resolve specific requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Because of these actions it left a great amount of inconvenience and financial loss. I'm asking for the appropriate solution for these acts of 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: 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 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 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: MD

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the EFTA as it requires timely access to funds. This situation raises concerns about the consumer protection laws, and I am asking for your assistance in investigating this matter to make sure that my rights are being upheld.

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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

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: NC

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 nor removeddisputed 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
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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX thru XXXX Amounts : XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX {$6900.00}. Action steps taken : I have called XXXX and have been placed on hold for over an hour and transferred to another department with a wait of another hour, then transferred again to the credit department. They sound proactive and have given me a letter, but it does not affect the credit reporting. This has affected me purchasing a home, and it is creating so much stress that its affecting my health. I have talked to the credit bureaus and filed a dispute, which pushes everything Im trying to do back 30 days and can result in me losing my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Im going round & round with XXXX on removing this illegal collection. The CFCB already got a company response & the account was closed. XXXX is still keeping it on my credit & its affecting my credit & reputation. This debt is not valid & legal proof is not provided as I havent agreed to this collection. Its closed with CFCB but still on my credit report & holding up my life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo repossessed my truck in XXXX  wrongly by applying 39 late fee on 3 month payment. They were then able to stop me from making money to keep getting my home out of foreclosure by paying the 3 months payment again. I know there has been a settlement but they denied me money that closed my business when they took my truck and which in turn denied me any reimbursement from the home they sold in a surplus of XXXX that I owed. Do you know if this reimbursement order would grant me some of the damages i incurred?

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: 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: VA

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 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
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: PA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit on XX/XX/year>. Capital One has cited technical difficulties with a third party which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigation this matter to ensure my rights are upheld. This issues is affecting my daily living. Capital One sent an email on the evening of XX/XX/year> stating the issue would be resolved by the morning of XX/XX/year>. The issue has yet to be resolved as I write this complaint on XX/XX/year> XXXX. Capital One 's customer service line has outrageous hold times or the line has been disconnected leaving me with no way to contact Capital One. As of XX/XX/year> has yet to issue a comment or contact me regarding my deposit.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Sent money through XXXX transfer through Navy Federal Credit Union money was never received and requested refund took up to 7-10 days for a investigation to consider refund

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: Block, Inc.
State: MD

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 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 am writing to inform you that I have not received my paycheck, which is typically deposited into my Capital One account on Wednesdays. As banks are nearing closing hours, I am deeply concerned because Capital One has not provided any timeline or clarity on when I can expect the deposit to be processed. 

Like many other Americans, I live paycheck to paycheck, and this delay is causing significant financial strain. I am unsure of what steps to take at this point, and I am seeking guidance on what can be done to resolve this situation as quickly as possible. 

Your assistance and any advice on how to proceed would be greatly appreciated.

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 — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened this account in XXXX, transferred a balance of {$1300.00}. 
I chose paperless statements and pay the card monthly by transferring funds from my checking account to the credit card. 
I just checked a statement, out of curiosity, and the {$1300.00} balance has not been credited since I opened the account over 8 years ago. 
When paying the card, there is no choice as to how the payment is credited, and this balance remains the same, after 8 years of payments. 
Is this legal? 
I have been paying an average of {$25.00} per month on this balance for over 8 years. {$2400.00} - and the balance is still {$1300.00}. 
I want this explained, because the customer service representative kept saying this balance has to be paid " in full '' or not at all! 
I would also like to mention that this balance is hidden on the last page. 
I was so mad, I closed the account!!!

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: UT

Complaint narrative:
My direct deposit wasn't applied to my account despite it being sent sucessfully by my employer. I have been on the phone at least 5 times per day, since yesterday. They have failed to provide me an explanation of the issue, I asked about news reports about a third party vendor and they refused to say who that was. One person told me we'd have our money by the XXXX but more people told me they weren't sure. Now I'm hearing it's some sort of malware and we might not get our money. I have no idea because the company refuses to talk to us with honesty or give us a solution. In the meantime, my bills on auto-pay are being returned to the vendor who is, in turn assessing me a fee! While Capital 1 has told me I can submit a claim for those, I just tried to and found roadblocks everywhere ( the CS agent actually said " well we can't see where you've paid that '' ... no bc my ACCOUNT IS FROZEN ). This doesn't even begin to describe what it will do to my credit score. HOW is Captial 1 going to make me whole? My car insurance will be cancelled and I have no idea when the funds will be in so I can. I work from home and ..same thing with internet ... and NOTHING from Cap 1 . They won't even honor our auto-pay bills or just let us overdraft our accounts. I can't even access mine and I can't get help from them to regain online access. this is horrible and costing we consumers SO MUCH MONEY. Who is going to help us hold them accountable? I'm literally going to lose my home and I can't get any help, answers, or resolution from Capital 1.

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 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 — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filling a complaint against 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: IN

Complaint narrative:
Capital One has been having issues with direct deposits starting Wednesday, XX/XX/year>. I normally receive my deposit on Thursday around XXXX cst. My husband normally gets his on Thursday around XXXX XXXX. Neither of us have received our deposits. Capital one stated they would have their technical issues resolved throughout the day ( XX/XX/year> ) and majority resolved by the next morning ( XX/XX/year> ). It is now XX/XX/year> at XXXX cst and neither of us have received our deposits. No other updates have been given from Capital One via email, phone call, or text. Ive had to get all my updated information from the social media account XXXX  or by XXXX  Capital One Technical Issue and reading off news articles. Please investigate this issue and see how things can be resolved. We were told by Capital One that they would pay reasonable amount for fees but I dont trust them on their word at this point. My livelihood is at a standstill and I have late fees incurring due to this major inconvenience.

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 — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was closed, for transactions I didnt make. As well as they put interest on my account. When I called and told them about this problem they did nothing about it.

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 status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

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: PA

Complaint narrative:
I'm writing this letter to you, hoping for some urgent assistance, as I've fallen into extremely difficult financial circumstances. Unfortunately, I've been experiencing hardships lately, which have put an immense strain on my daily life. To make matters worse, I currently live check to check and all my accounts are in the red, with no available funds for essential expenses. 
This week has been particularly challenging, as I haven't had the means to secure groceries for myself, let alone my dependent son. Today, I was expecting a payment, which I genuinely believed would arrive in time to alleviate some of this pressure. However, I'm now facing a day without basic necessities like food. I'm writing to ask if you could please expedite the payment to me at your earliest convenience. 
I'm not sure how else to convey the gravity of this situation, but being in such dire circumstances has become unbearable. If possible, any immediate assistance with the payment would be a huge relief for both me and my son. I would appreciate any efforts you can make to speed up the disbursement of this payment, as it will make an enormous difference in our lives. 
I appreciate your understanding and would like to thank you in advance for considering my request. Please let me know as soon as possible if there are any options or actions I can take to rectify this situation swiftly. 
Thank you for your assistance at this critical time. 
Sincerely,

Company response to consumer: Closed with explanation