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: TX

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: MA

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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

Additionally, their dispute resolution process was both unfair and misleading, failing to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have resulted in significant inconvenience and financial loss, and I am seeking appropriate remedies 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: PA

Complaint narrative:
My name is XXXX XXXX, and I bank with Capital One Bank. I am reaching out regarding the constant issues I continue to experience while using this bank. For starters, I noticed my banking fees fluctuate monthly on my bank statements without explanation. The biggest issue that I am experiencing at the current moment is the third-party processing issue as of XX/XX/XXXX, I was set to have deposits enter my checking account and I have not received it yet. I have been calling Capital to check and see what the discrepancy was and was told that I have to wait for the processing time frames I have. I checked social media and saw that there is an issue with the third-party vendor. My issue is there was no communication regarding this issue until after it was publicized and then I received an email that night. I feel as though Capital One Bank has not kept up with their promises while upholding my checking/saving account. I have tried to call non-stop as of XX/XX/XXXX, and XX/XX/XXXXXXXX  to get updates on my account and funds and I'll wait for over an hour & the call ends. This bank is playing with my livelihood and my children 's lives. I need to have my funds released 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 — 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.

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

Complaint narrative:
I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection App ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there 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 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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
I sent a letter to this company in XX/XX/year> and never received a response to verify said {$780.00} debt that is being report on my credit reports. They can not prove that I owe the debt or that they own the amount being reported.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. 

These are the accounts that I reported. 
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 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 measure to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and they did not comply with error resolution requirements under the Electronic Fraud 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: MN

Complaint narrative:
My direct deposit for XX/XX/year> has not been credited. I have no access to my paycheck. I called the morning of XX/XX/year> and after a one hour and 33 minute hold I finally reached a live person. She immediately escalated me to a manager ( Which I didn't ask for ) for another 30 minute hold. This is abusive. The manager said nothing could be done unless fees were incurred as a material harm that could be re-imbursed. I asked if I could take a cash advance from my credit card and have the fee waived to make me whole. She stated that she doesn't work in credit card but will place a note on my account to re-imburse a cash advance fee. I waited several hours in the hopes my deposit would post, which it didn't, so I called back around Noon to credit card. They stated there are no notes on my account about fee re-imbursement. I was lied to apparently. She offered to transfer me back to deposit. I declined do to the two hour hold time, unless she could warm transfer me. She claimed she would warm transfer me, but lied and sent me to queue to wait on hold for several more hours. I would like Capital One to be held accountable for their abuse, lies, and incompetence. I would like a customer satisfaction credit {$120.00} do to the flagrant waste of my time.

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 this to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant with the platform.Despise using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions unfeasible.The CFPB Findings indicate that Zelle has not only neglected to protect consumers but has continued repeat offenders to exploit the systems leaving using vurneable to scams. The lack of accountability this is unacceptable and raises concern.

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:
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 Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumers protection law, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 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 — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
Subject : Demand for Remedy and Repayment of Fraudulently Collected Funds To Whom It May Concern, I am writing in reference to the alleged debt associated with [ ACCOUNT # XXXX ] issued by BSI Financial Services. After a detailed review of the loan documents and in light of recent legal precedent established by the U.S. Supreme Court in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), it is evident that this loan contract is fraudulent, unenforceable, and in violation of federal and constitutional protections. Enumerated Discrepancies and Violations Lack of Consideration : The loan agreement lacks valid consideration, as no lawful funds were disbursed by BSI Financial Services. Instead, the loan appears to have been funded by monetizing my promissory note, in violation of contractual principles and Uniform Commercial Code ( UCC ) 3-303. 

Failure to Disclose Funding Mechanism : BSI Financial services failed to disclose that my promissory note would be monetized to create loan funds. This omission constitutes fraudulent misrepresentation and a violation of the Truth in Le

nding Act ( TILA ), depriving me of my right to informed consent. No Risk to the Lender : The lender incurred no actual financial risk, as my promissory note became an asset for BSI Financial Services. This violates fundamental contractual requirements and renders the agreement unconscionable. 

Unjust Enrichment and Double-Dipping : BSI Financial Services profited by monetizing my promissory note and simultaneously collecting interest payments, constituting unjust enrichment and double-dipping at my expense. 

Material Misrepresentation in the Loan Contract : The Deed of Trust falsely states that {$420000.00} was disbursed to me before signing. However, no evidence has been provided to substantiate this claim, further invalidating the contract. 

Constitutional Violations : Pursuing collection under this fraudulent agreement constitutes a violation of my Fifth and Fourteenth Amendment rights, as established in XXXX XXXX XXXX XXXX XXXX XXXX. Any action depriving me of property or collecting on an alleged debt under these circumstances is a denial of due process and unconstitutional. 

Notice of Dispute : This letter serves as formal notice that I dispute the validity of this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and related federal laws, you are required to cease all collection activity and validate the debt in writing before proceeding further. 

Failure to comply with these demands within 15 days will result in the initiation of legal action to seek repayment, damages, and remedies for harm caused. 

Reservation of Rights : I reserve all rights to pursue further legal action under applicable laws if this matter is not resolved promptly. Please address all correspondence to the address provided above. 

Sincerely, XXXX XXXX

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: TN

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones failure you deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. Which has led me to have multiple bills I am unable to pay with some acquiring interest on them. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld, Thank you.

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

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, leavening 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 Funds Transfer Act ( EFTA ) and regulation E. These actions have caused a 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: CT

Complaint narrative:
To whom this may concern : I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. As it is already over 48 hours of waiting for the bank to resolve nor have the bank issue a statement. 

Thank you, XXXX

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

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with non-monetary relief
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to TransUnion regarding the following account numbers : XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these three bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.

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: 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: NV

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 the accounts are accurate, without providing any evidence of a thorough investigation. This is a violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Finacial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumer 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: Block, Inc.
State: OH

Complaint narrative:
Iam filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and un fair 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 regulation process was unfair and deceptive, XXXX 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 see the appropriate redress for these violations.

Company response to consumer: Closed with explanation