vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am submitting a complaint against Cash App, operated by Block , Inc., regarding their refusal to refund a {$50.00} payment that was sent to an account that is no longer active or accessible by the recipient.

The transaction in question was sent to the Cash App username XXXX XXXXXXXX on XX/XX/year>. After the payment was made, I discovered that the recipient no longer has an active Cash App account and therefore can not access, accept, or return the funds. 

Upon realizing the issue, I immediately attempted to reject and reverse the transaction through the Cash App platform and contacted Cash App Support. Despite these efforts, Cash App denied my dispute, stating only that the transaction originated from my device and that my account was not compromised.

This determination fails to address the core issue : the payment could not be completed as intended because the recipients account is inactive. The funds were effectively sent into a system where the recipient can not retrieve them, leaving me without access to my money and without a viable method of recovery.

Cash App has not provided documentation demonstrating that the recipient account is active or capable of receiving funds, nor have they explained how a payment to an inactive account can be considered successfully delivered.

I am requesting that the CFPB review this matter and require Cash App to : - Confirm the status of the recipient account - Provide documentation supporting their determination - Refund the {$50.00} payment due to failed delivery and inability of the recipient to access the funds I believe Cash Apps handling of this matter is unfair and inconsistent with consumer protection standards for electronic funds transfers.

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal is working for human traffickers, has refused to give me back the money XXXX stole, and has refused to close my account and destroy my information despite my having called multiple times to tell them to do so... 

My reply to Paypal denying PayPal case : XXXX and not letting me reply to the denial... 

You liar, the service was not at all provided! You must close my account and destroy all my information if you are going to side with XXXX when they left me for stranded! You must also refund the {$0.00} you just stole from me in my trying to get my money out of my compromised account. And I demand compensation for your refusing to close my account after I called in, and for making me go to the other bank account to make sure they're not going to be compromised by you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In XX/XX/year> I requested a special assistance payment plan for my XXXX Credit Card due to retirement due to limited income from Social Security. The assistance plan was approved and set for {$190.00} per month until the balance paid in full. However, Synchrony Bank removed my online access to this account and also stopped sending monthly statements by mail or email. Therefore, I have no record of account balance to show for monthly payment made every XXXX day of the month. I have called customer service and have not received resolution to this problem with my last statement XX/XX/year>.

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 2026-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I was threatened in an email with very abusive language saying I'll face " CRUSHING '' legal action and only had three hours to reply to a debt that I don't even have nor have any information about outside of allegedly having a payday loan. I've never taken one out with XXXX XXXX ( the company claimed in the email ) or anyone for that matter. This is very unsafe and very illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CapitalOne recently denied my credit limit increase request. The requested limit was still less than half of my credit limit several years previously. Through no fault of my own, I had to battle ( successfully ) a zombie debt collector which had improperly placed a collection item on my three reports. Although I prevailed, that legal process required several months during which my scores dropped substantially. The score decreases triggered arbitrary reductions in credit limits on several cards ( this one included ) which in turn cascaded to further reductions with continuing further decreases in scores. 

WHY DOESN'T THE CFPB RECOGNIZE THIS PROBLEM?!? THIS IS AN UNFAIR AND IMPROPER " CHAIN REACTION '' SITUATION : AN IMPROPER SCORE DECREASE CAUSES FURTHER DAMAGE WITH RESULTING LIMIT DECREASES. etc. etc. etc. WHERE IS THE " PROTECTION '' PART OF THE CFPB 'S PURPOSE?!? 

Contrary to and despite CapitalOne 's aggressive and prominent marketing of their CreditWise product, instead of using my XXXX ( XXXX Score XXXX ) AS SHOWN ON THEIR OWN WEB PORTAL, or my XXXX score on XXXX, they chose to use a much lower score XXXX XXXX XXXX XXXX  which was already more than a month old at the time of my increase request. This is a version of " bait and switch '' prohibited by the Arkansas Deceptive Trade Practices Act. AR Code 4-88-107 ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and an alleged debt being reported by National Credit Systems that I do not owe. This tradeline shows a collection balance of {$14000.00} and lists the original creditor as The XXXX of XXXX XXXX XXXX XXXX XXXX. I do not recognize this account, I did not sign any lease or contract for this obligation, and I did not authorize anyone to open or use an account in my name. I believe this account is the result of identity theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I went to XXXX XXXX restaurant, when i pay they take my card with ID to check. I assume everything will be fine until i get statement show me i got charged XXXX, so that's reason i claim for Fraud or scam. However, when I report to NFCU, they cant help me to solve the problems, but they also keep asking me for the receipt. No one can keep the receipt for each time to eat, i would keep theat and show them if I knew things happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NY

Complaint narrative:
I send funds to a person using cash app. That person doesnt have access to to that account any longer and doesnt remember any information on it being that it was three years old. The person has a new cash app account and yet cash app can not transfer the money over to the new account without any information in the old account. At the moment my money transfer has been processed without the recipient able to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint regarding improper handling of an unauthorized transaction dispute on my Apple Card involving a lost physical card and inconsistent fraud determinations by Goldman Sachs Bank USA. 

Timeline and Facts On XX/XX/XXXX, two unauthorized transactions appeared on my Apple Card : XXXX XXXX for {$3200.00} XXXX XXXX XXXX for {$20.00} At the time these transactions occurred, I was at home asleep and did not authorize either charge. 
I immediately contacted Goldman Sachs Apple Card support upon seeing the charges. I was informed that the physical card was used for both transactions. 
I then discovered that my physical Apple Card was missing, indicating it had been lost or stolen. 
I immediately reported both transactions as fraudulent and unauthorized, my card was frozen, and a replacement card was issued. 

Inconsistent Dispute Handling On XX/XX/XXXX, the {$20.00} XXXX transaction was credited and ruled unauthorized, confirming fraud had occurred. 
However, no decision was provided at that time for the {$3200.00} Micro Center transaction, even though : Both charges occurred on the same date Both charges used the same lost physical card Both charges were disputed at the same time for the same reason On XX/XX/XXXX, Goldman Sachs issued a dispute result stating that the {$3200.00} Micro Center charge was authorized and would remain on my account. 

This determination is illogical and inconsistent. A single lost card fraud event can not result in one transaction being unauthorized while another, larger transaction from the same incident is deemed authorized. 

Reopened Disputes and Continued Errors I immediately contacted Apple Card support on XX/XX/XXXX to reopen the dispute and explained the inconsistency. 
XXXX agreed the situation did not make sense and reopened the dispute. 
On XX/XX/XXXX, I was again notified that the XXXX XXXX transaction was ruled authorized and the charge would remain. 
I immediately contacted support again, explained the same facts, and the dispute was reopened once more. 

This cycle of reopening and re-denial without addressing the core issue has caused significant concern and demonstrates a failure to conduct a proper fraud investigation. 

Key Issues Not Addressed by the Bank Goldman Sachs has not explained : How a lost/stolen physical card fraud event can result in one unauthorized transaction being credited and another being deemed authorized What evidence supports the claim that the {$3200.00} transaction was authorized Why the smaller XXXX transaction was credited as fraud almost immediately, while the larger Micro Center transaction was denied Why the same dispute continues to be reopened without a meaningful or corrected investigation Why the banks determinations contradict their own fraud acknowledgment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo is holding sales I made from me and can't give me a clear explanation as to why. Just that it's an automated system. I need my money. I have never had an issue in the 5 years doing business with them now all the sudden they've started holding sales. This is unacceptable for a small business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
Hello I am a XXXX resident and business owner. I also work for XXXX XXXX. I was a student and had a loan that was serviced by MOHELA. on XX/XX/XXXX of XXXX, XXXX withdrew {$12000.00} from my bank account on my scheduled XXXX day. My autopay amount was set at {$380.00}. There were no changes or indications this would happen. This amount was applied to a portion of my loan. Previous to this I was in process of becoming eligible for loan forgiveness through XXXX, as I work for the Department of Corrections. I spent hours in phone calls where Mohela promised this was an error and a refund would be processed. This never happened. I was passed " up '' to higher management with no new outcome. I was then told that it had been processed out to XXXX XXXX XXXX since that's where the payment went. I was again told that the refund would be issued but would take several weeks and additional research was being conducted with Mohela. Their response after this was that my refund was denied as Mohela 's records indicated that forbearance was not placed on my account until XX/XX/XXXX ( which was actually due to me opening a case ) and that they are unable to issue me a refund since my Auto Pay bill was due for {$12000.00}, was due for XX/XX/XXXX. I never argued that Auto Pay Bill should not have been made, I was arguing the amount. How does someone's autopay go from {$380.00} to {$12000.00}? Wiped out my savings account and it's been tough. In XXXX of XXXX, the remaining balance of my student loans were forgiven. Had the {$12000.00} not been wrongfully taken from my bank account or at least returned, that amount would have also been forgiven. I worked hard paying my student loans on time for over a decade and met all requirements for XXXX. I have written back numerous times to MOHELA and Student Aid with no responses. I feel strongly that I was done wrong and this should still be rectified. I see that MOHELA has had a lot of negative press, and it appears many people have been done wrong, and the company is not being held liable. This was a lot of money for me that was a safety net for me and my family, and we have had to make many changes because of it. I am hoping you can help or steer me in a direction where someone can help. Thank you for your time, it is much appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am reaching out to someone to assist me on a matter that I believe is misrepresentation, or neglect of a consumer. As of XX/XX/year>, my Capital One Auto Finance account was Charged off on my credit report, which is how I discovered it. Shortly after, I seen a settlement offer in my Capital One Auto account, that I tried to utilize. Every time I hit the process button, a message said to reach out to customer service if the snag kept happening, and to try again later. I screenshot the settlement, in case Capital One tried to deny the offer. This was on XX/XX/XXXX. The office was closed by the time I discovered the offer, so I had to wait till the next morning. 
I contacted customer service on XX/XX/year>. Customer Service tried to deny the offer. I informed them that I screenshot it as proof. They automatically put my vehicle in repossession and removed the offer from my account. I asked to be transferred to the President 's Office, where I spoke with XXXX, who was over handling my dispute. My account was then paused for repossession. XXXX said it would take 3-5 days for a response once I send over the proof. I faxed the proof that the settlement was offered on my account. I sent the proof on the XXXX of XXXX. I called XXXX again, which said he received my fax. I received an email from XXXX that said he would be my point of contact from here on. I have yet to hear from XXXX or anyone from the Presidents office. I am afraid that my car will be repossessed. I have seen an email stating that my vehicle would possibly be up for repossession again. I am asking for help, due to Capital One Auto Finance not honoring their settlement offer that was on my account. Screenshots are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am submitting this complaint regarding an auto loan serviced by Bridgecrest that is tied to a vehicle sold in a defective and unmerchantable condition. 

During a test drive on XX/XX/XXXX, the vehicle ( XXXX XXXX XXXX ) displayed a check engine warning. I photographed the warning and immediately showed it to the XXXX manager. The manager acknowledged the issue and represented that the vehicle would be placed in the shop and repaired prior to delivery. 

Based on that representation, I was instructed to obtain insurance to secure the vehicle. I activated insurance coverage on XX/XX/XXXX. While the vehicle was allegedly being repaired, I was provided a temporary rental vehicle from XXXX XXXX XXXX I returned the rental on XX/XX/XXXX, when I was told the XXXX was ready and in proper drivable condition. 

Despite these assurances, the vehicle experienced severe mechanical issues almost immediately after delivery. On XX/XX/XXXX approximately 22 days after purchase the vehicle was taken to XXXX XXXX XXXX due to engine overheating and coolant system failures. Subsequent diagnostics escalated to a failed combustion test and a blown head gasket, with a recommendation for full engine replacement. 

The vehicle has since been repeatedly serviced by multiple independent repair facilities, including XXXX XXXX XXXX, XXXX XXXX, XXXX, and Fountains Auto Repair. These records consistently document overheating, engine failure, and unreliability. The vehicle has been deemed unsafe and unreliable, resulting in repeated loss of use and significant out-of-pocket expenses. 

Throughout this period, Bridgecrest continued servicing and collecting on the loan despite the vehicle being defective at delivery and repeatedly inoperable. I have suffered financial harm, loss of use, and credit impact while making payments on a loan tied to a vehicle that was never fit for ordinary transportation. 

I am requesting that Bridgecrest conduct a full loan review, correct any adverse credit reporting, and provide appropriate relief due to the financing and servicing of a loan secured by an unmerchantable vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Reference # is XXXX XXXX  is trying to say that I owe {$70.00} in tariff-based charges from a package that I received over the past summer. I was not aware of having to pay any additional charges, and I feel that the company I ordered from should cover this payment. I do not have the extra money to pay this charge. I think this should be on the clothing company that I ordered from as I paid the shipping charge to receive the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello. In XXXX XXXX, I sent my Chase XXXX business credit card referral link to my cousin. She said she wanted to apply for the card, and if she applied using my link and was approved, I would receive XXXX points. She later told me her application was approved, but I still haven't received the XXXX referral bonus points. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I paid off my house loan in full supposed to get a refund checked in XXXX. It was sent out XXXX reached out to them. They said it would be 30 days still have not got checks back in the mail call two weeks ago said he would send me another check. Id have it in three days. I still have not received it cant get a hold of anybody. Its all automated. Mr. Cooper did not go through them for a home loan, they are with rocket mortgage now and rocket mortgage. Ive talked to. They cant get any information either bunch of frauds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: CA

Complaint narrative:
I am filing a complaint against Minto Money for issuing an illegal and predatory loan with an interest rate of approximately 725 % APR.

Minto Money is not licensed to lend in California and is using a tribal affiliation to attempt to bypass state usury laws. This loan violates the Truth in Lending Act ( TILA ), state usury laws, and constitutes unfair, deceptive, and abusive acts or practices ( UDAAP ).

The interest rate is grossly excessive and was not lawfully disclosed in a manner that a reasonable consumer could understand. The loan is illegal in my state and should be considered void and unenforceable.

Minto Money has attempted to collect on this illegal debt and has caused financial distress and consumer harm.

I am requesting that the CFPB investigate Minto Money for predatory lending, illegal interest rates, deceptive practices, and unlawful collection activity, and require them to cease operations and collection efforts in California. 
Loan {$1000.00} Pay off Amount : {$530000.00}

Company response to consumer: Closed with explanation