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: SC

Complaint narrative:
I am filling 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 have cause significant inconvenience and financial loss, 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: WI

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 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 and regulation E.These actions have resulted in 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: IA

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 — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their and their advertised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used my Bank of America travel card only for travel abroad. On the XXXX XXXX, I received a text message asking if I have authorized an activity in the value of {$1700.00}. I replied : No. Next day ( because of the time difference between XXXX and XXXX ) I called the Bank because of that fraudulent charge and my account was blocked as well. I called the bank and I got help to be able to log into my account. My card was already charged, ignoring my text message., so I filed a claim. On the XXXX XXXX I received an email from my bank saying that They considering that I did the charge and I did a fraudulent credit card transaction. 
How come, when in XXXX XXXX, when I wanted to use the same card in XXXX, in the value of {$4.00} the bank stoped the transaction, and for the higher value They just approved the transaction. Also if you look on my history the biggest value purchased on that card was an airplane ticket.

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 monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I don't want to receive any updates from TransUnion either by letter or email regarding my XXXX  XXXX  experience. I am requesting a cease of communications through email and letters from the said Bureau.

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: CA

Complaint narrative:
Capital One has experience some kind of outage. Me along with XXXX other Americans have not been paid. We are being told to wait meanwhile, our bills are just accumulating resulting in late fees. The lack of communication from Capital One to their customers is improper. 

I have also contacted my workplace and asked for a paper check instead. I have been informed the capital one has accepted the check so with them doing that I have no option but to wait for them to release my funds whenever they decide.

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: NJ

Complaint narrative:
My paycheck is typically directly deposited on Wednesday which would have been XX/XX/XXXX. It is now XX/XX/XXXX, and I have no received my pay.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 am writing to express my frustration regarding a delay in receiving my direct deposit through Capital One. My scheduled direct deposit, which was supposed to be credited to my account on XX/XX/year>, has not yet been received as of XX/XX/year>. 

The delay has caused significant inconvenience, as I rely on timely access to these funds for essential expenses. I have verified with my employer that the deposit was initiated on time and correctly. It appears that the issue is on Capital Ones end, as many customers have reported similar delays with their deposits being withheld for 2-3 days.

I have attempted to resolve this by checking my account multiple times and reaching out to customer service, but I have not received a satisfactory explanation or solution. I expect Capital One to resolve this issue immediately, ensure deposits are processed promptly, and provide clear communication regarding the cause of the delay. 

Thank you for addressing this matter urgently.

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: OR

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 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: OH

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: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to express my concern regarding the sudden closure of my Bank of America account. I kindly request clarification on the reasons for this unexpected event and guidance on how to resolve the issue. 

Incident Details XX/XX/XXXX : When logging into my Bank of America account, the USB key was automatically deactivated, and I successfully accessed the account using SMS authentication. 
XX/XX/XXXX : I logged into my account 12 times, and on these occasions, I was able to access it without SMS authentication or any additional verification steps. 
XX/XX/XXXX ( evening ) : While attempting to log in, I entered my ID and password multiple times. However, I received an alert stating " No matching account found '' on at least two occasions. No alerts regarding incorrect passwords were displayed. Subsequently, I discovered that my account had been closed.

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 monetary relief
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: Solar Mosaic LLC
State: UT

Complaint narrative:
Subject : Complaint Regarding Solar Loan and Credit Report Issue To Whom It May Concern, I am writing to formally raise a complaint regarding an unresolved issue with a solar loan that is unfairly impacting my credit score. Below are the details of the situation : Project Initiation and Cancellation : I decided to go solar and signed all loan documents as part of the process. Following this, on-site checks, such as assessing my roof, were conducted. 
Without prior notice or explanation, the initial design of the solar project was abruptly changed. Due to this lack of communication and transparency, I decided to cancel the project. 
Credit Report Issue : Despite the cancellation of the project and the associated loan, I discovered a few weeks later that the loan was reported on my credit report. 
I contacted the company responsible for reporting the loan. They directed me to reach out to the solar company that originally sold me the project. 
XXXX XXXX XXXX : I contacted the solar company, and they confirmed that the project and the loan had been canceled on their end. However, the loan continues to appear on my credit report. 
Unresolved Impact : Despite my efforts to resolve the matter, no one has taken responsibility for fixing this issue. The erroneous loan entry is significantly damaging my credit score. 
Desired Resolution : I kindly request that immediate action be taken to : Verify the cancellation of the loan with the relevant parties. 
Remove the loan from my credit report as it was canceled and should not have been reported in the first place. 
Provide written confirmation once the loan has been successfully removed from my credit report. 
This situation has caused me undue stress and has negatively affected my financial standing. I expect this matter to be resolved promptly. If no action is taken within a reasonable time, I will be compelled to escalate the issue to consumer protection agencies or seek legal advice. 

Please acknowledge receipt of this complaint and inform me of the steps you will take to address the issue. You may contact me directly at XXXX Thank you for your prompt attention to this matter.

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: NJ

Complaint narrative:
I and thousands of other people are being affected by capital one 's negligence in handling of deposits. We always receive our deposits by Wednesday and it is now Friday, still no deposit. Our work has confirmed the payment and the pay stub is there for the deposit. Capital One would not and could not confirm when we would receive our money. This is terrible, we live pay check to pay check.

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 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 Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XXXX XXXX I was scammed for XXXX dollars on XXXX I told the company they told me they couldnt do anything about it because it went through

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
I am writing to file a complaint against Navy Federal Crddit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the trans action was authorized, I was charged fees due to lagged charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds, when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased four {$500.00} XXXX XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX XXXX, XXXX 

The card numbers are : XXXX XXXX XXXX XXXX When I tried to use the cards, the transactions were declined. 

On XX/XX/XXXX I called Incomm, the card servicer. The Agent said that all four cards were placed on hold by the merchant, XXXX, and that I need to contact XXXX to resolve it as there is nothing Incomm can do. 

On XX/XX/XXXX I call XXXX store XXXX and speak with the store manager. She had no idea what I was talking about, and questioned the legitimacy of what I was communicating to her. She ultimately gave me the number for XXXXXXXX XXXX. 

On XX/XX/XXXX, I start case XXXX with XXXXXXXX XXXX and submit receipt documentation. 

Today, XX/XX/XXXX, I called XXXXXXXX XXXX to check for a status on the case. The front-end Agent said that there is no update so far, nor is there a timeframe in which the back-end office must commit to complete the case by. I told her I'm initiating this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a complaint regarding Bank of America 's handling of a fraud claim related to my credit card. Below are the details of my case : On XX/XX/, 2024, while traveling in XXXX XXXX, CA, my phone and wallet were stolen. Upon realizing this, I immediately contacted Bank of America to request that my card be locked to prevent unauthorized use. Unfortunately, since my phone was stolen, I was unable to authenticate my identity, and the bank did not lock my card despite my urgent request. 

On XX/XX/, 2024, I visited a Bank of America XXXX XXXX to report the theft in person. A fraud claim was opened on XX/XX/, 2024, for {$760.00} in unauthorized charges. A temporary credit was issued at that time. 

However, on XX/XX/, 2024, Bank of America sent me a letter stating that my claim was denied, and the temporary credit was removed. Shortly afterward, on XX/XX/ 2024, I received another letter indicating a new temporary credit of {$690.00} had been issued. I assumed this amount reflected the charges they verified as fraudulent and accepted that approximately {$66.00} would remain unresolved. 

Despite this notification, I never received the {$690.00} credit in my account. On XX/XX/ 2024, I submitted an appeal, believing the delay might be due to processing time. However, the appeal was never acknowledged on the mobile app, and I received no correspondence or updates about the status of my case. 

I am deeply frustrated by Bank of America 's failure to lock my card promptly, their inconsistent communication regarding the fraud claim, and their failure to issue the promised temporary credit. These actionsor lack thereofhave caused unnecessary financial stress and eroded my trust in the bank 's ability to safeguard my account.

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