vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I am currently on the SAVE plan and was placed in forbearance due to ongoing litigation. I am not supposed to be accruing interest. They are charging me interest, however. I should have 0 % interest accrual on the SAVE plan.

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: NC

Complaint narrative:
Im following your 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 fail to take timely and effective measures to prevent an address fraud on their platform, leaving account vulnerable, and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronics funds transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I am filing a complaint with 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: 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 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 XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: LA

Complaint narrative:
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 in an untimely manner, 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. Thanks

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: HI

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
When transitioning out of the military back in 2021 my XXXX XXXX checking account if Im not mistaken which is now closed was allowed to go into the negative over {$1000.00} while I was trying to figure out this new transition in my life. 

I ended up leaving Navy Federal and banking else where but leaving my everyday checking account open.

I have now recently return my direct deposits back to Navy Federal in hopes to rebuild this financial relationship with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: SC

Complaint narrative:
" I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORT to section ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Ive tried contacting cashapp to dispute but keeps getting denied. I want all of my money back.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion 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 XXXX, 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 XXXX has neither corrected nor removed

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: TX

Complaint narrative:
Filed several disputes with Experian about inaccurate items negatively affecting my report. Despite my attempts and several actions taken to fix this with Bureau issue still remains unresolved. Improper investigation was done and the accounts were only updated.

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: NV

Complaint narrative:
For the love of XXXX can a regulator please get involved with Capital One not depositing paychecks. I was told it would be fixed by yesterday afternoon XX/XX/2025. Now its Friday and NO PAYCHECK!!! PLEASE HELP

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: AR

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 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 very 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.

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: KY

Complaint narrative:
On XX/XX/XXXX I received an email from Capital One stating that Starting XXXX 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 XXXX of our service providers. This was XXXX day prior to my direct deposit being transferred from my payroll provider to my checking account. As of today my deposit is now late and I have little information from Capital One other than it is a technical issue and they are trying to resolve it. As someone who has bills to pay in a timely manner, this is negatively impacting my ability to do so. There has been little to no transparency from Capital One as to what is actually happening or the steps they are taking to resolve the issue. They have not offered any redress in the event that my account is overdrawn or penalized as such. This reflects poorly on Capital One as a business and is making me reconsider any further business with this institution. If the situation is not rectified soon I will likely switch providers for my checking and savings accounts.

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 Navy Federal Credit Union regarding overdraft fees I have incurred. I was charged fees due to late postings of charges or credits although I have sufficient funds to cover it. My research has found that this issue aligns with the recent CFPB findings against Navy Federal for the same issue as I ; transactions being settled with insufficient balances despite sufficient funds originally being available. I believe this is 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 ad 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 — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One bank has been holding direct deposits for two days. As of this morning I can not access my account either.

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 — Problem accessing account
Company: Block, Inc.
State: OR

Complaint narrative:
So I had an account with cash app I decided to open a new account cause I was having issues with XXXXXXXX XXXX  : tryig to t ( ake my funds as soon as I made a new account cash app froze both accounts loced me out without proper explanation why XXXX I have money in. My first account still it's been over 2 months since they closed my accounts they have admitted I have money : in my account yet won't, allow me to access transfer my funxsss into the linked account while a customer with them I have tried every angel with cash app employees they keep telling me to verify me to prove the account is mine which I've tried. Many fimes but part of the 2step verification it dreniss me says I am putting in the wrong card number linked which has not changed I have done everything I could to regain my fiunds but they refdise to all ow me to access my account this is where it takes a wrong turn they won't allow me to access my funds cause my account is Closed then why are they still allowing XXXX XXXXto take my funds and they have had to rreplace it caused XXXXXXXX XXXX is allowed to take my fiumds out of my closed account but I can't why is that I have reported them to the BBB but haven't heard nothing back id like legal councld to XXXX and sue cashapp do I have XXXX XXXX XXXX to take my case

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: TX

Complaint narrative:
I have a navy federal account, it was my main bank account but it kept saying I have money then all of a sudden I'm paying XXXX bucks in over draft fees. Anytime I called them they would just tell me I didn't have enough money to cover it, which didn't make sense since it showed I had money before. This has been happening for years now. I didn't know I can file a claim here until today.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccuracies on my credit report that I have previously disputed without resolution. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting of my credit information. Furthermore : - The FCRA requires credit bureaus to investigate disputes within 30 days and provide corrections for errors.

- Lenders and servicers are obligated to provide accurate and truthful information to credit reporting agencies.

Specifically, I have identified the following issues related to my student loans : 1. Duplicate Accounts : - My credit report reflects duplicate entries of the same student loan account ( s ), which inaccurately inflates the total amount of debt reported. This duplication negatively impacts my creditworthiness and misrepresents my financial obligations.

2. Incorrect Payment History : - The payment history for my student loan account ( s ) is inaccurate. Despite having made on-time payments, my report reflects late payments or other discrepancies that are false. This is both misleading and damaging to my credit profile.

Actions Taken : I initially identified these errors months ago and promptly contacted all 3 credit bureaus and loan servicers to dispute the inaccuracies. I submitted all supporting documentation, including relevant documents, loan statements, payment receipts, and correspondence to substantiate my claims. Despite allowing the 30-day timeframe stipulated under the Fair Credit Reporting Act ( FCRA ) for resolution, the inaccuracies remain unresolved.

Impact : These errors have caused significant harm, including : - Inaccurate reporting of my credit obligations and payment reliability.

- Lowered credit score, resulting in difficulty obtaining loans, higher interest rates, etc I trust that the CFPB will assist in ensuring my rights are upheld and that these errors are promptly resolved.

Thank you for your attention to this matter.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccuracies on my credit report that I have previously disputed without resolution. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting of my credit information. Furthermore : - The FCRA requires credit bureaus to investigate disputes within 30 days and provide corrections for errors.

- Lenders and servicers are obligated to provide accurate and truthful information to credit reporting agencies.

Specifically, I have identified the following issues related to my student loans : 1. Duplicate Accounts : - My credit report reflects duplicate entries of the same student loan account ( s ), which inaccurately inflates the total amount of debt reported. This duplication negatively impacts my creditworthiness and misrepresents my financial obligations.

2. Incorrect Payment History : - The payment history for my student loan account ( s ) is inaccurate. Despite having made on-time payments, my report reflects late payments or other discrepancies that are false. This is both misleading and damaging to my credit profile.

Actions Taken : I initially identified these errors months ago and promptly contacted all 3 credit bureaus and loan servicers to dispute the inaccuracies. I submitted all supporting documentation, including relevant documents, loan statements, payment receipts, and correspondence to substantiate my claims. Despite allowing the 30-day timeframe stipulated under the Fair Credit Reporting Act ( FCRA ) for resolution, the inaccuracies remain unresolved.

Impact : These errors have caused significant harm, including : - Inaccurate reporting of my credit obligations and payment reliability.

- Lowered credit score, resulting in difficulty obtaining loans, higher interest rates, etc I trust that the CFPB will assist in ensuring my rights are upheld and that these errors are promptly resolved.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief