vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint with the cfpb regarding Capital One 's failure to deposit my direct deposit from my annuity and other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer A ( 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 fully upheld. Thank you.

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: NC

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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ). 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: Block, Inc.
State: WA

Complaint narrative:
XXXX of XXXX  I had XXXX $ worth of XXXX in cashapp I was trading and selling through them, after seeing btc/ bitcoin dropped I went to go transfer my money and I had the option to sell it and get the balance on my cashapp balance I sold the btc and it said XXXX $ would be available in my balance, I waited a couple hours and I was thinking its probably just taking awhile because its a decent amount of money. I never received my money and when I went to find a support agent they said they would contact me about my concern and I never received any type of help. And then on the same account in XXXX I had XXXX $ in XXXX and I sold it, again I never received my money and I spent months trying to find ways to contact them and all I ever got was AI saying someone would be with me shortly. It is now XXXX and I had to sell my car just to be able to pay rent after losing my money to them. Since then Ive made a cashapp and after getting a direct deposit from work they closed my account saying I broke terms of service even tho theres nothing I did I only used it 3x. Im fed up with them and I want my money back in full or Im going to take serious legal action in court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I was approved for a partial claim on XX/XX/XXXX. However, when the approved partial claim paperwork came out to me to sign, there were errors in the spelling of the last name. I was advised by the bank that it would be corrected and new paperwork will be sent. 
Today, XX/XX/XXXXXXXX  I received a call from the bank to review my approval for a loan modification. The terms totally changed my interest rate from 2.875 % to 7.27 % and my monthly rate would increase by $ XXXX.I reminded the representative that I was approved for partial claim, not loan modification. I was then advised that they can not honor the partial claim offer. I asked for an explanation and he could not provide a clear explanation, except to say there is nothing they can do. 
I am looking for the bank to honor my partial claim approval with the same interest rate of 2.875 %

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: GA

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 to 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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I wish to formally address the discrepancy between Shellpoint 's response and the notes provided by their customer service representatives. When I attempted to contact Shellpoint to speak directly with a representative from the Compliance Department, I was informed that this department does not accept phone calls and can only be reached through written inquiries. This limitation is highly inconvenient and unnecessarily prolongs the communication process. 

On XX/XX/year>, I contacted Shellpoint and spoke with a representative. During this conversation, the gentleman confirmed that all required documentation, as per Shellpoint 's requests, was present in their database. He reviewed these documents with me over the phone. He further explained that the denial of the modification was due to Shellpoint 's investors not offering modifications for properties classified as investment properties, which is the designation of my property. 

It is important to note that Shellpoint acquired this loan already classified as a rental property with an existing modification from XXXX XXXX XXXX. This pre-existing modification is the reason Shellpoint permitted me to make the three monthly trial payments for XXXX, XXXX, and XXXX of XXXX. Therefore, the denial of the modification by Shellpoint is unjustified, as the modification was already in place when the loan was transferred. 

I hereby request a federal investigation into why a denial was issued for a modification that was pre-approved and transferred with the loan from XXXX to Shellpoint. There are concerns that Shellpoint may have acquired my loan with the intention of facilitating foreclosure or sale of the property by denying the established modification. 

Additionally, I am formally requesting all recordings of phone calls with Shellpoint 's representatives, as these calls contain admissions that a modification was transferred from XXXX to Shellpoint. Furthermore, Shellpoint 's inability to honor this modification due to internal conflicts with their investors must be addressed. 

Thank you for your immediate 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I sent Zelle to someone and it sent to the wrong person and I thought I was going to be refunded and never was a talked to my bank and it didnt let me refund it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a dispute, and it came back verified when I sent proof and evidence that the information was inaccurately furnished on my credit report

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:
I'm 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 indicated that 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint with CFPB regarding Capital One failure to deposit my direct deposit from my employer and any incoming deposits. Capital one has cited technical issues which may violate the Electronic Funds Transfer act ( EFTA ) as it require 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. I will also like information about the lawsuit filed against them regarding the high yields savings account as I have three high-yield savings account with Capital One.

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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the 0:32 FPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 — 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 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 2025-01-18 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:
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. 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: Early Warning Services, LLC
State: IN

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 was 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: 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: NC

Complaint narrative:
I'VE TRIED TO MAIL THE POLICE REPORT AND FTC REPORT TO TRANSUNION SEVERAL TIMES BUT IT NEVER GETS ATTACHED TO MY CREDIT FILE. IVE TRIED ONLINE UPLOAD ON THERE DISPUTE PAGE AND IT WILL NOT LET ME, IVE DISPUTED THIS IMFORMATION SEVERAL TIMES BUT IT NEVER REMOVES THESE FRUAD ACCOUNTS. IVE DONE EVERYTHING, IM TURNING XXXX IN XXXX OF THIS YEAR AND IM SO STRESSED OUT CONCERNING THESE ACCOUNTS THAT AREN'T MINE OR NOT ACCURATE. PLEASE HELP. THE ALLY BANK ACCOUNT ISN'T MINE BECAUSE I DID HAVE ONE YEARS AGO BUT MINE IS PAID OUT 4 MO AFTER I FINANCED IT, XXXX XXXX ACCOUNT IS BEEN PAID OFF AND NEVER WAS LATE AND I HAVE LETTERS STATING THAT WITH A COPY OF THE TITLE, SO I DONT KNOW IF THAT ACCOUNT IS FRAUD OR NOT BECAUSE MY ACCOUNT WITH XXXX XXXX XXXX WAS PAID OFF 28 DAYS AFTER FINANCING IT, XXXX XXXX XXXX IS FRAUD AND I CALLED THEM UP AND THEY STATED THEY DIDNT HAVE ACCOUNT IN MY NAME, XXXX XXXX XXXX IS FRAUD AND I CALLED THEM AND THEY SAID IT WAS NOTED AS FRAUD. XXXX INQUIRE IS FRAUDXXXX XXXX  INQUIRE IS FRAUD. PLEASE HELP OR IM LOSING MY NEW HOUSE ON XX/XX/2025 DUE TO NOT CLOSING. THANK YOU

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 2025-01-19 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:
On XX/XX/year>, I mistakenly sent XXXX to the wrong person on cashapp. I recognized my mistake within 30 minutes and requested a dispute that was denied. I requested multiple refund requests per customer support that were never acknowledged. A support manager sent the terms and conditions via email which clearly indicate that they could in fact refund my money but I could never speak to a live manager. Each time I called customer support i spoke to a different person who was obviously not in a work environment because there was always babies crying or dogs barking loudly or people yelling or laughing in the background. Everyone I ever spoke to was extremely rude and disrespectful. All I am asking for is a refund for the money I sent to the wrong person.

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: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. XXXX ) XXXX XXXX XXXX ( ustomer 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. 
XXXX Furthermore, their dispute resolution process a was unfair and deceptive, as they ild 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 ( 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax over and over violated consumer report and they identity report are exposed due to the date breach. 

I have send prof over and over and they still violated my rights as a consumer. 

They dont care at all if the account is fraud all right they just want to get pay by creditors. 

They will respond over and over we working on it to the cfpb bout is not true they just respond to make you feel they are in compliance bout they dont delete the fraud account. 

Have send documents Certified mail Fax And they due have all documents they have refused to resolve this matter and deleted fraud account.

Company response to consumer: Closed with non-monetary relief
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
I didn't make these transactions 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