vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank delayed my payment for over 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: IL

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes. 
particularly in light of the recent CFPB lawsuit highlighting significant issues with the 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 that Zelle has not only neglected to protect consumers but has 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 2025-01-18 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:
Filing a complaint against cash app for putting my account in a vulnerable and unprotected place by failing to address and prevent fraud. In addition they have confusing and deceptive practices that dont meet EFTA regulations causing financial loss. I would seek redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
URGENT- PRE FORECLOSURE in our Property. 
Me and my brother in law bought a house in XXXX. We did a subject to contract. A real estate agent contacted us about this property that was for sale and stated that he worked before with the selling company. the property is titled under our name And the mortgage is assumed to the new owner. We invested more than XXXX on closing and repairs at the property. The seller was behind on her payments and found a company called. XXXX XXXX XXXX oering the option to sell the house and pay her arrears on the closing. This company sold the property to us making their profit. We wired the money to the attorney oce ( XXXX XXXX XXXX XXXX ). The agent told us that the property price initially was XXXX and one day before the closing the price was XXXX due to the language barrier we didnt understood the reason and asked the agent for a explanation. He didnt clarify why there was an increase but justified saying that our loan would stay at XXXX as he promised. Two months after the mortgage contacted the seller asking for XXXX unpaid balance. Now she contacts the selling company ( XXXX XXXX XXXX XXXX and they dont answer her calls again. And the agent communicates with us telling the same thing. Theyre not answering his calls either. Days after the bank sent a pre foreclosure notice giving us 45 days to pay the unpaid balance if not the house would foreclosure in XX/XX/XXXX. 
Me and my family are devastated with the whole transaction we dont want to lose the house we have been aected financially and emotionally. Since XXXX we have made 4 payments to SECU mortgage and all that money went to the unpaid balance including fees charged. We invested all of our savings in this house. Were asking for help and review the whole transaction and compensation for all the damages caused to our family. We contacted the attorney and the agent and now no one is taking responsibility over this transaction. The bank is requesting the loan to be pay off due to not communicating with them about the transaction apparently no documentation was sent to the mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against Capital One regarding deceptive practices related to their 360 " high yield interest '' savings account. Capital One misrepresented 360 Savings account as having one of " the nations highest interest rates, yet failed to notify account holders 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 truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the 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 that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the 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 that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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 that Zelle has not only neglected to protect consumers but has 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. Please delete the following accounts. 
DEPT OF ED/XXXX  # XXXX ( All 20 accounts with the Same Name and Account Number for Balances of {$3100.00}, {$3400.00}, XXXX, {$4000.00}, {$2300.00}, {$1300.00}, {$4900.00}, {$4.00}, {$3300.00}, {$2.00}, {$3500.00}, {$2900.00}. {$7600.00}, {$2300.00}, {$1900.00}, {$1000.00}, XXXX, {$2400.00}, {$6300.00}, {$4800.00} ). 

XXXX XXXX Balance {$1100.00} Account number XXXX XXXX Card Balance : XXXX Account number XXXX XXXX XXXX  Balance {$2400.00} Account number XXXX XXXX XXXX XXXX : {$880.00} XXXXXXXX XXXX  Balance XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX Balance 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 2025-01-18 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: LA

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, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against Midland Credit Management , Inc. ( Midland ), regarding an unresolved issue related to a debt collection that was paid in full. Midland had agreed to delete the corresponding two accounts from my credit report, but they have not followed through on their promise. Additionally, my dispute through XXXX remains pending with no updates. 

Here are the details of my complaint : XX/XX/year>, I settled a debt with Midland Credit Management for {$1000.00} and as part of the agreement, Midland confirmed that they would remove the 2 accounts from my credit report in exchange for the full payment. 

However, despite fulfilling my end of the agreement and making the payment in full, the account remains on my credit report. Midland has failed to provide me with the promised written " pay-to-delete '' letter, which I requested multiple times. 

Dispute Status : I submitted a dispute to XXXX XX/XX/year>, indicating that Midland had agreed to delete the accounts from my credit report. However, the dispute remains unresolved and has been pending for an extended period without any updates or resolution. This delay is causing me significant concern as I am trying to improve my credit score and resolve the matter amicably. 

My Request : I request that Midland Credit Management be held accountable for not honoring their pay-to-delete agreement. 
I request that XXXX and any other credit reporting agencies involved update my credit report to reflect the deletion of the acc

ount, as agreed upon by Midland.

I ask for timely updates and resolution of the dispute I filed through XXXX. 
If Midland refuses to delete the account, I would appreciate clear documentation and evidence of their decision, as well as a full explanation. 
I would greatly appreciate your prompt attention to this matter and assistance in ensuring that Midland Credit Management fulfills their obligations as agreed. 

Thank you for your time and consideration. Please let me know if you require any additional information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Made a XXXX transaction to get the wrong person and the funds went through and I was charged an overdraft fee. I tried to dispute and or stop the transaction but there was nixwsrmeibf

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Sent letters to Experian, XXXX, and XXXX regarding the fact that they are reporting an 8 yr old XXXX XXXX BK with wrong information. I asked them to review or delete. XXXX did the right thing and deleted. 

Experian and XXXX just responded by saying they have verified the info and it is correct. I then resent letter asking for verification of how they got the info. All they said was that it was public record from the court. 

I sent letter to XXXX Bankruptcy Court, and they stated that Experian and XXXX lied because they do not verify or confirm bankruptcy information with any credit reporting agencies. This fact can also be googled when you ask XXXX XXXX Bankruptcy Court provide verification to credit agencies. 

Sent letter to both Experian and XXXX and they never respond and continue to report incorrect information. As a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, this false Information is killing me. Please have them remove this info.

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 2025-01-18 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: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the 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 that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the 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 that Zelle has not only neglected to protect consumers but has 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 2025-01-18 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: LA

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 the 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 were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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 2025-01-18 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had a XXXX & discovered account with XXXX $ I'm savings I saw a withdrawal that was try sent me a text over I declined and call rite away. Next day told me I walk in branch deposit a check when I didn't. Now all my accounts got close

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I set up direct deposit through my employer to receive my salary. On Friday, XX/XX/year>, Capital One failed to release my hard earned money to my bank account. I tried to call the bank several times and all my calls get disconnected. This impacted my livelihood greatly as I depend on my money to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint 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 2025-01-18 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the 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 is unfeasible. The CFPB 's findings indicate that not only did Zelle knowingly neglect to protect customers, they consistently allowed those who intended to use the service dishonestly against those who chose to participate with honor and dignity, leaving others vulnerable to scams and fraud. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Accounts have been settled, but still on my report. Plus there were outdated iinformation that should have been erased from my report.

Company response to consumer: Closed with explanation