vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
i was paying it no problem the credit card score said free i go to pay the last payment i made i seen were they charge me XXXX dollar i call some XXXX woman pick cant understand anything she say she and even try to tell me what going on then the next day i look see they hit me with late charge so i didnt know what tone after they charge over XXXX dollar went all the way back were start i thought it was a scams

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX the XXXX I received an email from Chase Bank stating that my new card ( ATM ) was on its way and being rushed to my mailing address as I have requested. I did not request such thing so I called customer service right away notifying them. I voiced my concern and notified them that I was concerned about my account and they assured me my account was safe and that the system had done it on its own. The next day Saturday the XXXX I was still uneasy with the situation I once again called Chase Bank to file a fraud alert and once again was told that my account was secured. I never received a new card ( ATM ) as I still had my original in my possession, Four days later on Wednesday XXXX the XXXX while I was at work XXXX away I received a text message that {$300.00} were withdrawn from my account on a Chase ATM one block from my mailing address. As I went on the chase app to verify ( one minute later ) a second {$300.00} was withdrawn. It obviously was not me and locked my card that I had on my possession. I didnt understand and confused about the situation, I called Chase Bank right away to make them aware of the situation and not only did they tell me that there was nothing they can do but after asking to speak to a supervisor I was hung up on. I have called back multiple times but no one can can give me an answer into what happened and how this came about. After 20 years of being a customer I felt disappointed, disrespected because no one has taken the time to help me and Im out {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I open a checking and savings acoount with WellsFargo on XXXX XXXX XXXX on line. So on XXXX I walk in the branch located XXXX WellsFargo XXXX XXXX XXXX XXXX XXXX XXXX I gave them a cashier check I was informed that they will hold some of it but they would release on XX/XX/XXXX they it was released for a day and now its all on hold. So now I have no money I cant pay my rent and bills and I have no money to eat.

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 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Nexus Nova LLC
State: MI

Complaint narrative:
I called again on XX/XX/year>, and was told by a CSR named Precious that my request was not properly completed on XX/XX/year>. I am requesting a mortgage supervisor to call to address my concern. Please see my concern below : I am writing to request a correction regarding a payment made on XX/XX/year>, for the account ending in XXXX. On XX/XX/year>, I submitted an additional payment of {$2800.00} specifically designated for the principal balance. However, I have been informed that these funds were incorrectly applied to my escrow account. I am certain that the " Principal '' option was selected at the time of the transaction. Please reallocate the full amount of {$2800.00} to the principal balance, effective as of the original payment date. I look forward to receiving confirmation once this adjustment has been processed. Regards, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
A debt from XXXX is being reported by Central Portfolio Control on my credit report. I do not recognize this account and do not believe this debt belongs to me. I never received any written notice, bill, or communication informing me of this debt or giving me an opportunity to dispute or pay it. I previously disputed this item but it remains on my report without proper verification.It should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: MD

Complaint narrative:
To whom it may concern! As this dispute is XXXX years old and basically changed the XXXX XXXX as XXXX XXXX to XXXX XXXX switched my both lines but couple of months later I received a letter from XXXX XXXX as they issued and activated third complimentary line, which I never used. As I paid all bill and my phone were paid off instead of this third line. Any this bill went up to collection third time and messed up my credit so finally I paid it after exhausted effort to resolve this with out paying. But now I paid and settled with the credit control.LLC. And finally received the letter and email as issue is resolved. Reference Number : XXXX Original Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you for your payment in the amount of {$170.00} that was received on XX/XX/2026. This account has now been settled for less than the full account balance. Thank you again! Your Account Information Current Creditor : XXXX Original Creditor : XXXX Re : XXXX Reference Number : XXXX Original Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sports & Imports Auto
State: GA

Complaint narrative:
I have a Retail Installment Contract with Sports and Imports Auto of XXXX XXXX XXXX with a monthly payment of {$760.00}. I attempted to make my payment prior to and on the due date, but the payment portal refused the contractual amount and instead required {$2000.00}. My vehicle was subsequently disabled. The portal now shows a {$2000.00} past due balance and no payment history, despite my having made XXXX prior payments with bank confirmation. My executed Down Payment Agreement reflects {$750.00} down and {$0.00} deferred down payment. I have requested documentation establishing the {$2000.00} obligation and a full account ledger but have received no response. I remain ready and able to make the contractual installment of {$760.00} and am requesting restoration of vehicle functionality and a complete account ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I DEPOSIT CHECK IN MY ACCOUNT AND WAS CASH THE BANK DECIDE TO HOLD THE MONEY AND CLOSE MY ACCCOUNT I TRY TO RESOLVE THE MATTER WITH BANK BUT THE WOULDNT I HAS BEEN LONG TIME AND THE DID NOT SEND ME MY MONEY THE STOLE MY MONEY IT IS OVER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CHERRY TECHNOLOGIES INC.
State: VA

Complaint narrative:
I am submitting a complaint regarding a loan issued through Cherry Technologies and XXXX XXXX that financed services sold by XXXX XXXX XXXX. During an appointment at the XXXX XXXX XXXX XXXX XXXX location on XX/XX/year>, I was encouraged to purchase a service package that staff described as a payment plan and facial membership program. I later discovered that this agreement was actually a loan issued through Cherry Technologies with XXXX XXXX Immediately after leaving the appointment that same day, I contacted the XXXX requesting cancellation because I felt uncomfortable with the sales process. I have written documentation confirming this request. Despite this cancellation request, the agreement has not been canceled and I have continued making payments toward approximately {$5000.00} for services that have never been rendered. Additional concerns include the following : I was asked to sign documents electronically on a tablet without the opportunity to review them properly. I was never provided copies of the documents I signed. The financing documentation lists the XXXX location even though the transaction occurred at the XXXX XXXX office. The financing was presented as a payment plan or membership rather than a loan. I am requesting cancellation of the agreement and reversal of the associated financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase blocked my account and never gave me a reason. Many thousands of dollars of hard earned cash since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This is my third complaint ( in the more recent matter ) regarding a fraudulent Direct Unsubsidized Loan ( Loan ID : XXXX ; Account : XXXX ) associated with XXXX XXXX XXXX XXXX which I never attended. Prior complaints : XXXX and XXXX. Aidvantage 's XX/XX/year> response states the Department of Education denied my fraud claim. That denial is wrong and unsupported. The Master Promissory Note Aidvantage itself produced during my dispute contains my personal information but uses an email address I never created. The application is a near-identical copy of my legitimate XXXX XXXX loan with only select fields changed a textbook identity theft pattern. Since filing complaint XXXX on XX/XX/year>, I have : ( 1 ) sent certified mail legal demand letters to Aidvantage at both its XXXX XXXX and XXXX XXXX addresses ; ( 2 ) filed a complaint with the DOE Office of Inspector General ; ( 3 ) filed a complaint with the Texas Attorney General Consumer Protection Division ; ( 4 ) filed an FTC Identity Theft Report ; ( 5 ) submitted a sworn notarized affidavit ; and ( 6 ) requested constituent assistance from Senator Cornyn 's office. I am formally demanding : ( 1 ) immediate removal of this fraudulent loan ; ( 2 ) correction of NSLDS and all credit bureau records ; ( 3 ) production of the complete loan origination file ; ( 4 ) written confirmation I bear no liability ; and ( 5 ) a substantive explanation of the basis for the DOE denial, with supporting documentation. Aidvantage is on notice ( and, in fact, was previously on notice in prior communications ) via CFPB complaints, certified mail ( more recently ), and regulatory filings ( more recently ) to PRESERVE ALL RECORDS related to this loan. That includes, but is not limited to, phone recordings, internal communications, external communications ( esp to ASU and the DOE ). Continued servicing of a loan Aidvantage knows is disputed as fraudulent may violate the FCRA, the Higher Education Act, and Texas consumer protection law. I have real damages and will be pursuing legal remedies if this is not resolved prior to the date outlined in my certified letters to Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WA

Complaint narrative:
Acct # XXXX XXXX. On XX/XX/year>, I visited The XXXX XXXX to purchase a stove and dishwasher. The total purchase price was approximately {$1700.00}. My intention was to split the payment between two debit cards : my Cash App debit card and my XXXX debit card. I first attempted to pay {$1000.00} using my Cash App debit card. The initial attempt declined due to entering an incorrect PIN. I immediately attempted the transaction again and the {$1000.00} payment was approved. Next, I attempted to pay the remaining balance ( approximately {$750.00} ) with my XXXX debit card. However, this transaction declined because XXXX flagged the purchase as potential fraud and temporarily locked my card pending verification. Because the second payment was declined, the purchase could not be completed. I left the store without completing the transaction and without receiving any merchandise. The store clerk informed me that the {$1000.00} charge would be refunded to my Cash App card because the transaction had not been completed. I was told this was essentially a ghost transaction. More than XXXX weeks later, the {$1000.00} is still withdrawn from my Cash App account and appears as a completed transaction. I returned to the XXXX XXXX store to investigate the issue. Store staff confirmed : The purchase transaction was never completed. The quote associated with the purchase was cancelled. There is no finalized transaction on their end for this purchase. I subsequently filed a dispute with Cash App regarding this charge. My dispute was denied. After speaking with Cash App customer service, I was instructed to return to the store and obtain confirmation regarding the transaction. After confirming again with XXXX XXXX that the transaction was never completed, I filed a second dispute with Cash App. That dispute was also denied. I called and requested more information on what was done to investigate the dispute and any a documents related to the dispute. The email I received in return did not address any of those issues. I responded with my request again and received the same email back. At this point, Cash App has failed to properly investigate the dispute. Had they contacted the merchant, they would have verified that : The purchase was never finalized No goods were received The transaction should not have been processed as completed. Ive attached emails with Cash App, the cancelled quote and a written note from the XXXX XXXX XXXX. Requested Resolution I am requesting that Cash App : 1. Conduct a proper investigation into this disputed charge. 2. Verify with XXXX XXXX that the transaction was not completed. XXXX. Refund the {$1000.00} that was improperly withdrawn from my account. I did not complete the transaction and I did not receive any merchandise. The funds should not remain charged to my account. Amount in Dispute : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( 0 minutes ago ) to me I am submitting this complaint regarding the credit reporting of my federal student loan serviced by Nelnet XXXX During a period of temporary financial hardship, my account became delinquent before I was able to submit a request for forbearance. As soon as I realized I could not maintain the scheduled payments, I contacted Nelnet and submitted a request for forbearance to bring the account current and resolve the issue. After the forbearance was applied, I noticed that delinquency marks had been reported to the credit bureaus. I submitted a dispute with Nelnet requesting a review and reconsideration of the negative credit reporting due to the circumstances and my efforts to correct the account status. On review, Nelnet responded stating that the forbearance request was received after the delinquency occurred and that the credit reporting would not be adjusted. I believe this response did not fully consider my request for reconsideration or goodwill review, despite my efforts to resolve the matter promptly. I am requesting that Nelnet conduct a supervisory review of the investigation and reconsider the reported delinquencies with the credit reporting agencies. I also requested copies of the documentation used during their investigation to verify the accuracy of the reporting. My goal is to ensure that the credit reporting on my account is accurate and fairly reviewed based on the actions I took to resolve the account once I became aware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: MO

Complaint narrative:
They have called me at least 3 times a day foe over a year, each time from a different phone number from multiple states

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am extremely XXXX with Discovers repeated failure to process a simple legal name change despite multiple attempts on my part. I have contacted Discover 35 times regarding updating my name after a legal name change. Each time, I followed the instructions given by their representatives and submitted the required legal documentation multiple times. Despite this, Discover has still failed to update my name correctly. They updated one of my accounts, but on another account they entered my name incorrectly, listing my last name as my first name, which is clearly an obvious error. When I called again to report this mistake, the representative simply told me to submit the documents again, even though I have already submitted them several times and their own error is what caused the issue. This situation is unacceptable. My legal name change reflects my correct and preferred name, and it is disrespectful that after repeatedly providing legal documentation, Discover still can not ensure my name is accurately reflected on my account. Consumers should not have to continuously resubmit legal documents because a company can not correctly process the information already provided. Resolution Requested : Immediate correction of my name on all accounts to match my legal documentation, and written confirmation that the change has been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: MD

Complaint narrative:
I am submitting a complaint regarding a {$700.00} refund owed to me by MOHELA related to my federal student loan account after approval of XXXX XXXX XXXX XXXX ( XXXX ). My XXXX application was approved in XX/XX/XXXX, and I was informed that I would receive a refund of {$700.00} for overpayments made on my student loan account. Online, the refund was issued XX/XX/XXXX. After being told that refunds could take approximately 90 days to process, I began contacting MOHELA regularly to check the status once that period passed. Since then, I have called multiple times over the past several months, but the refund has still not been received. During my most recent contact with MOHELA, I was informed that the U.S. Treasury issued the refund check, but that the check was lost and/or stolen in the mail. Despite this explanation, I have not received a replacement check or confirmation that the issue has been resolved.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX/26, Called Synchrony Bank at tel : XXXX. Spoke to XXXX. She transferred me to JCP Credit Card services. Spoke to XXXX XXXX allegedly on a recorded line ). He obtained the primary account holders permission to speak to me. He confirmed : a ) I am an Authorized User on the account ; b ) the accounts current Credit Limit is {$6400.00} ; c ) the card was NOT Reported Lost/Stolen ( CONTRARY to the emails I received ) ; d ) the account was blocked due to recent activity ( to which I responded we had NOT reported the card stolen, we had NOT made any purchases or transactions, the email indicated a new address was provided which we did NOT do or request, I was UNABLE to log into our Synchrony account to identify what changes the emails were referencing, AND I was further concerned about the address change that was indicated being made that we did NOT do, nor know ANYTHING about ). Furthermore, the automated system did not recognize his SSN, nor exact account # reflected on his physical card. XXXX indicated that our card was NOT reported stolen and he was not authorized to provide any information regarding the reason I received such emails and would have to speak to someone in the Fraud Department. He provided me the # to the Fraud Solutions Dept. ( XXXX ) XXXX, and transferred me to XXXX XXXX allegedly on a recorded line ). She indicated XXXX provided her with our reason for calling, our account details, and permission to speak to me from the primary card holder. She said she would need to speak directly with my husband again for permission. After my husband, once again, provided permission to speak to me, she continued asking him verification information, such as the telephone on file. Once he provided it, XXXX indicated that information did not match their records. I jumped in to remind her if our account was compromised and someone indeed successfully changed our contact information, it obviously wouldnt match what they had on file. Since I am the person that handles our joint accounts and finances and she refused to speak to me ( although I am an affected credit owner and she has permission to speak to me ), nothing was resolved and Synchrony Bank ( JCP ) is knowingly shipping a new credit card, to an unknown and unauthorized party, at an unknown/undisclosed address that was NOT changed or authorized by the rightful account holders, AND they are adversely affecting our credit score ; hence present and future livelihood. Its probably an inside job anyways, because both my husband and I have our physical cards in our possession.

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