vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: GA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 ( 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 2025-01-21 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: PA

Complaint narrative:
I am filing a complaint against Transunion regarding their failure to conduct a full investigation into a fraudulent account listed on my credit report. The account in question is a XXXX XXXX XXXX, Account XXXX ( # XXXX ), which I have repeatedly disputed as fraudulent. Despite sending several letters to Transunion, providing evidence that I have no connection to this account, and requesting a thorough investigation, Transunion has only responded with automated letters stating that the account was verified. At no point have they provided any meaningful details or evidence of an actual investigation into my dispute. I suspect this fraudulent account is a result of my information being exposed during the XXXX data breach, in which I was a victim. Transunion failure to take my concerns seriously and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) is unacceptable and has caused me significant distress. I request your assistance in ensuring that Transunion conducts a proper investigation and removes this fraudulent account from my credit report promptly. Thank you for your attention to this matter. I look forward to your response.

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 2025-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX 
I am the primary borrower of an auto loan for the amt XXXX was in an accident and it was a no fault. The gap insurance has never had any contact with me..the primary borrower..no email..no mail..no phone calls..I find out because they sent a refund check to my house..in my name... for gap refund..no explanation or reason..this check was NOT cashed. I have never even heard a reason for this discrepancy and only recieved a bill..my insurance company paid XXXX within 1 month the only obligation for the gap policy is XXXX.which I thought was taken care of months ago because of zero communication w the primary borrower..me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I'am Filing a complaint against Cash App ( Block , INC ) Due to in adequate 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 finical loss and I seek appropriate redress for this violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit card charge off that doesn't belong to me I never authorized Capital One to open a credit card in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IN

Complaint narrative:
I sent in letters to dispute accounts that were inaccurate on my credit report. The disputes were not investigated correctly, and they did nothing to fix it. The broke the following laws 15 USC 1681i ( a ) ( 1 ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) 15 USC 1681i ( a ) ( 5 ) ( B ) they refuse to remove the 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 2025-01-21 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: IN

Complaint narrative:
I sent in letters to dispute accounts that were inaccurate on my credit report. The disputes were not investigated correctly, and they did nothing to fix it. The broke the following laws 15 USC 1681i ( a ) ( 1 ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) 15 USC 1681i ( a ) ( 5 ) ( B ) they refuse to remove the accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I am an Capitol One bank recipient. I have a 360 manage savings account. In the month of XXXX I was issued one deposit on XXXX XX/XX/XXXX. I had no money to hold on being that I had bills to pay and the lost of my dearest aunt who is a matriarch of the family and beloved too. I was in despaired because there was not enough to cover my flight nor my stay being that I was being withhold from my funds by someone in order for me to travel and say my good byes, and did not. 

I reached out sometime last week from today date in request of a deposit that was not provided to me in the month of XXXX and I was given one check only. I am XXXX XXXX and the The HR at the XXXX  I work for stated that she send my time card and that I should have gotten payed before the holiday and I told her no I did not. 

When I heard in social media that Capitol One Bank stood with many people money, I nearly panicked because i was in disbelieved that it would not happen to me, and it did. 

I called capital One Bank on XX/XX/XXXX at XXXX XXXX eastern time disputed by demanding where is my money?? It took about two agent upon the call that I was making and it so happen that they connected me with an agent, which is the Customer Protection Department. Agent did not help as much but to take my information down and trying to make sense of where was my money at I expressed that why did I get payed one time in the month of XXXX, and not twice as it was expected?? which makes no sense whatsoever! Agent could not explained to me that my {$1300.00} and some change could not be found. I reached out to the payroll at my organization and they stated that it went through. Agent then proceeded that the investigation would take up to at least 45 days from the time of the dispute, really?!? 

This has created a dishonest on their behalf for not telling me anything about my deposit, unprofessional, emotional distress, time consuming, bills delayed, sleepless nights, not eating right because i was depending what am I going to eat the next day by trying to stretch a XXXX. I am a patience person but my patience is wearing me out and I cain't no more. 

I am angry as I type this claim. Hope that someone investigate this subject matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer protection financial protection act. Cash App Specifically failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore there 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 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FILE # : XXXX XXXX XXXX PIN # XXXX XXXX To Whom It May Concern : This is NOT a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged XXXX  service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( XXXX ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured XXXX  identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar Associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account t

hat may be time-barred as well as violation of NEW JERSEY medical privacy rules . I also hereby reserve my right to take private civil acti
on against you to recover damages. 

Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 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 2025-01-21 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 reaching out to formally address my concerns about how Zelle handles disputes, particularly in light of the recent CFPB lawsuit that exposed critical flaws in the platform. Although I have used Zelle frequently and reported discrepancies to my financial institution, Zelle did not thoroughly investigate my claims. I was told that recovering lost funds was not an option and that tracking these transactions was not possible. According to the CFPBs findings, Zelle has not only failed to safeguard its users but has also allowed repeat offenders to take advantage of the system, leaving customers exposed to fraud. The absence of accountability and openness is deeply troubling and raises significant concerns about the safety of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices violating 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 and money 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 inconveniences and final loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
Recently I looked over a current copy of my credit report and even though I have disputed these issues several times I still find multiple inaccuracies on my account. This account has been hurting my ability to maintain credit and establish new credit. I have been subjected to predatory lending and adverse results when applying for credit. It is my understanding of the FCRA laws you will investigate these items for me to ensure the accuracy of these accounts. Please see below the account I am requesting you to verify as accurate. 

COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX this is how it appears on my report. The balance for this account is {$26000.00}.

Company response to consumer: Closed with non-monetary relief