vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2026, my Cash App account was compromised and multiple unauthorized transactions were made without my knowledge or consent. At the time these transactions occurred ( between approximately XXXXXXXX XXXX and XXXXXXXX XXXX ), I was asleep at home preparing to wake up and take my child to XXXX I woke up around XXXXXXXX XXXX I discovered that my account balance had been completely drained. Upon reviewing my account, I found five transactions that I did not authorize in the following amounts : {$19.00} at XXXXXXXX XXXX {$390.00} at XXXXXXXX XXXX {$870.00} at XXXXXXXX XXXX {$9.00} at XXXX XXXX {$290.00} at XXXX XXXX Additionally, I received an email notification indicating that a device located in California had logged into my account. I have never been to California, and this strongly indicates unauthorized access.The funds taken were from my recently deposited tax refund, making this a case involving identity theft and financial harm.I contacted Cash App support immediately and reported the fraud. However, my dispute was denied on the basis that I was logged in at the time of the transactions. This does not account for the possibility of account compromise, unauthorized device access, or session hijacking.I specifically requested that Cash App review login IP addresses, device history, and recipient account activity, but no meaningful investigation or explanation was provided. Also I was even logged out of my account my account name was changed my email was removed and I couldnt access it until I called them to get my email back on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX has called me, my mother, and my ex-husband 's daughter multiple times to collect a debt. I asked them several times to only contact me, as they obviously have my number, yet they continued to harass my mother. Further, when they attempted to verify my identity, they asked me " Is your name XXXX XXXX? And is XXXX the last four of your social? '' Anyone could have said yes. This is not the correct way to verify my identity. XXXX de XXXX admitted to calling all numbers that have ever been associated with me, and using this line of questioning to confirm it was me. If the number had been given to someone else, or anyone could have lied and said yes, and now my personal information is being given out to strangers. She was extremely hostile towards me when I attempted to explain why she should ask me identifiable information, rather than simply having me confirm it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: SC

Complaint narrative:
Make a purchase from my Cash App debit card for {$910.00}. Merchant was fraudulent, cashapp denied my appeal after filing claim and sending cashapp supporting documents relating to the refund email from the merchant, that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Sent payment to mortgage company ( Wells Fargo Home Mortgage ). Check XXXX XXXX drawn on Truist bank, for the amount of {$11000.00}, was stolen, altered and cashed by an unknown individual.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This complaint concerns multiple Chase credit card accounts for which I entered into settlement agreements requiring final payments on XX/XX/year>. I did not realize until shortly after that date that the final payments had not been completed. Upon discovering this, I took immediate steps to resolve the issue. On XX/XX/year>, I made the final payments on two of the accounts and contacted Chase the same day to confirm the status before completing payments on the remaining accounts. During that call, I was informed for the first time that the settlement agreements had been revoked. I had not received any prior notice that the settlements were in default or that they would be revoked, and I was not provided an opportunity to cure or complete the agreements. During the same call, I was encouraged to dispute or cancel the payments I had already made. I had made those payments in good faith in an effort to complete the settlements. Following that call, I sent multiple secure messages to Chase beginning XX/XX/year> and continuing through XX/XX/year> requesting clarification and assistance. I received repeated responses stating that my inquiry had been forwarded and that I would receive a response within 10 business days. Despite this, I did not receive any substantive response or resolution. Instead, I later received written notices stating that Chase was unable to reach me and was closing my case, despite my documented attempts to contact them. As a result, I am now being treated as if the settlements were never in place, despite making substantial payments and attempting to complete the agreements in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company keeps deleting and re adding a debt that was already proven to be during a time that I was XXXXXXXX XXXX, causing detrimental consequences on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year>, I contacted Apple ( Goldman Sachs Bank USA ) for financial hardship assistance. I was enrolled in a program and received the following written instruction from an official representative : " If you continue to experience financial hardship, please contact us next month to determine what options may be available. '' At no point during this enrollment was a " once every 12 months '' eligibility rule disclosed. I acted in detrimental reliance on this instruction, choosing not to pursue alternative financial arrangements for my XX/XX/XXXX payment because I was explicitly told further assistance would be available. On XX/XX/year>, I followed the banks instructions to seek further help, and that was when I was informed for the first time that the program was only available once every 12 months. This is a clear material omission of the hardship program terms. The previous specialist in the first conversation failed to inform of this rule, and I was led to believe I would be able to extend the current program I was initially enrolled in. I contacted support once again on Thursday, XX/XX/year>, to explain that the previous agent failed to disclose the XXXX rule and had instead instructed me to return in XXXX. I was transferred to a supervisor who was unable to provide a remedy beyond escalating the case to upper management. Notably, the supervisor I spoke with explicitly admitted that the initial XXXX agent failed to disclose the 12-month rule and even apologized for the error. However, no resolution was offered. The Case ID provided for this ongoing dispute is XXXX. Today, XX/XX/year>, I received a phone call from XXXX that I was unable to answer due to work obligations. I initiated a new chat to finally resolve this issue before my deadline but was subjected to multiple transfers with no resolution. The final individual I spoke with was a supervisor named XXXX.. XXXX provided predatory and deceptive advice regarding this hardship request. While carefully choosing his words, he instructed me to wait until my billing cycle ended tonight, my due date, specifically so my account status would " update from current. '' This was a thinly veiled instruction to intentionally miss my payment and enter default just to trigger eligibility for a longer-term program. Advising delinquency as a prerequisite for assistance is a bad-faith servicing practice and a clear violation of UDAAP standards. When I pressed for clarification on this recommendation, the supervisor abruptly terminated the chat session without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Capital Services, LLC
State: IL

Complaint narrative:
They put a collection account on my credit report on something I never heard of or seen before. They keep calling me and harassing me and one person Im particularly is very disrespectful towards me.

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 2026-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Earnest Inc.
State: FL

Complaint narrative:
In early XXXX, I submitted a written request to my student loan servicer requesting complete loan documentation and full account history, including the original promissory note, payment history, current balance breakdown, and full servicing/transfer records from prior servicers. I followed up multiple times via email and also sent formal correspondence via certified mail approximately two weeks ago. I set a deadline of 15 business days for a full response and receipt of the requested documentation. I have received only generic responses stating that the account is still under review and that a resolution is pending. No substantive documentation or account records have been provided, and the deadline has now passed. As a result, I am unable to fully verify the accuracy of my loan balance, payment application, or servicing history. I am requesting full disclosure of all requested loan documents and a complete accounting of my loan history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I voluntarily had my car repossessed, knowing there would be an amount Id eventually owe. I started receiving texts about this on XX/XX/year>. I called on Thursday, XX/XX/year>, at XXXXXXXX XXXX to discuss my options for paying back the debt of {$14000.00}. During the call, the representative mentioned that if I paid the debt back in semi-monthly payments, I would receive a 55 % discount, bringing the balance down to {$6300.00} with a reasonable payment plan. Once I agreed to this arrangement, I asked for documentation outlining the new terms, including the amount due, payment deadlines, and payment amounts. The representative told me that they dont provide that information and that I would receive an email after I set up auto pay. I insisted on getting something in writing because I wanted to pay the debt, but they were preventing me from moving forward. The representative then warned me that it would be reported as a non-payment on my credit report. Frustrated, I hung up and said I would consult an attorney. The next day, on Friday, XX/XX/year>, at XXXXXXXX XXXX, I received another call and tried to resolve the issue again. When I asked about written terms, the representative gave me the same response. They said Id receive an email once I provided my credit card information and set up autopay. Again, I advised that I would consult an attorney but decided this is the best option for now. If this doesn't work, then I will seek a legal opinion. All I want is written confirmation of the amount I owe and the terms of the remaining balance. I have not received any written confirmation of balance amounts after the car was sold at auction. I'm really not sure if I'm talking to Bridgecrest at this point or if this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
XXXX. On XXXX XX/XX/year>, I made a payment of USD XXXX to Wise via wire transfer from my XXXX XXXX XXXX account. Immediately after receiving my payment, Wise locked my account and decided to refund the funds. XXXX. The refund process was initiated on XXXX XX/XX/year>. At that time, Wises Terms and Policies, as well as your Customer Support team, clearly assured me that the refund would be returned to the original payment method, which in this case was my XXXX XXXX XXXX wire transfer details. 3. However, Wise did not follow its own stated policy. Instead of refunding the money via wire transfer to the original payment method, Wise processed the refund via ACH. This is a completely different refund method and uses a different routing number from the one originally used for the wire payment. 4. As a result, the refunded funds could not be properly credited back to my XXXX XXXX XXXXXXXX account ( because the ACH routing number is different from the WIRE routing number ). The money is now effectively lost due to Wises incorrect and contradictory refund handling. This situation exists solely because Wise failed to return the funds through the original payment method as promised. What is most unacceptable is that : a. Wise locked my account immediately after receiving my payment. b. Wise assured me that the refund would be sent back to the original payment method. c. Wise then contradicted both its own Terms and its Customer Support statements by issuing the refund through ACH instead of wire transfer. d. This incorrect refund method caused the funds to go missing. e. Customer Support has not provided any effective resolution, accountability, or concrete action to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, a scammer pretending to be XXXX XXXX called and stated that there were fraudulent transactions on my credit card. As the scammer tried to continue to scam me to trick me into making fraudulent transactions, he accessed my digital wallet on my phone. He then accessed my digital Wells Fargo debit card and made a fraudulent transaction in the amount of {$3200.00}. I quickly got off the phone and called XXXX XXXX and Wells Fargo bank to address the fraudulent transactions on my accounts. XXXX XXXX was able to resolve the claims quickly and refunded my money. After a month of appealing my claim 3 times with Wells Fargo, they have denied my claim each time, ultimately not refunding my money taken away from me. Their explanation is that my debit card was in my possession when the fraudulent transaction was made. I keep trying to explain that my digital Wells Fargo debit card was hacked into. Their fraud department said that I should resolve the issue myself with the merchant listed in the transaction. The merchant is a resort hotel called XXXX XXXX, located in XXXX. I live in Virginia USA, and was in the US at the time of the transaction. I have contacted the hotel via email with no response. I am taking the next step in filing a complaint against Wells Fargo bank.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is an urgent supplement to CFPB Complaint Nos. XXXX and XXXX, both filed XX/XX/XXXX, regarding {$110000.00} in wire fraud losses from XXXX Bank of America wire transfers made in XX/XX/XXXX. I am filing this urgent complaint to report that the XXXX account used to defraud me of {$110000.00} is still active as of XX/XX/XXXX. The scammer communicated with me through XXXX under the name XXXX XXXX, using phone number XXXX. This account remains active on XXXX today, meaning this person may currently be defrauding other victims right now using the same account. The two fraudulent wire transfers of {$51000.00} on XX/XX/XXXX and {$59000.00} on XX/XX/XXXX were both sent to the same recipient account ending in XXXX at XXXX XXXX XXXX Bank as a direct result of communications through this WhatsApp account. Bank of America closed my fraud claims on XX/XX/XXXX without successfully recovering any funds and without providing any explanation of their investigation. I am requesting that the CFPB treat this as urgent and coordinate immediately with law enforcement to investigate this active account before additional victims are harmed. Law enforcement may be able to subpoena XXXX for account registration details, IP addresses, and message records while this account is still active. I have filed complaints with the FBI XXXXnternet Crime Complaint Center, the OCC, and the XXXX XXXX XXXX XXXX XXXX, Case No. 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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was closed without warning. I have a balance of XXXX on the card what was supposed to be refunded. The account was closed in XXXX and it is not XX/XX/XXXX and I have yet to receive any refund. The check has been reissued 3 times now and theres no explanation as to why I havent received it. The last representative submitted a reissue without my consent and now I have no other choice to wait another 15-20 days which is unacceptable. The representative seemed nonchalant and very dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/year>, I submitted documentation to Freedom Mortgages assumptions team establishing my legal interest in the property following the death of the original borrower. On XX/XX/year>, I provided additional trust documentation, including excerpts from the original living trust confirming my role as successor trustee. On XX/XX/year>, I sent a written request for review, citing RESPA Regulation X ( 12 CFR 1024.31 ) and requesting recognition as a successor in interest. The property ownership was transferred through a recorded trust-to-trust transfer following the death of the borrower, from the original borrowers trust to my trust, for which I am the trustee. This transfer constitutes a transfer of ownership by devise, descent, or operation of law upon the death of a borrower, as defined under applicable federal regulations. I have provided all supporting documentation, including the death certificate, trust documents establishing my authority, my trust certificate, and the recorded deed reflecting the transfer of title. Between XX/XX/year> and XX/XX/year>, I made multiple attempts by phone to resolve this issue. During these calls, I was repeatedly given incorrect information, including that I must be a blood relative to qualify as a successor in interest and that the VA loan status prevents recognition. I was also advised to pursue a loan assumption, which is not what I am requesting. Following the death of the borrower, I terminated the prior homeowners insurance policy and obtained a new policy in my name as the legal owner and trustee, ensuring continuous coverage beginning in XX/XX/year>. Despite this, Freedom Mortgage has refused to accept the policy and has continued to issue notices stating that insurance coverage is expired under the deceased borrowers name. The most recent notice, dated XX/XX/year>, was labeled as a second and final notice, indicating they did not have evidence of coverage, despite my prior submissions. These notices are addressed to the deceased borrower and do not reflect my status or the valid insurance currently in place. Despite providing complete documentation and legal support, Freedom Mortgage has refused to recognize my successor in interest status. As a result, they are also refusing to accept my valid homeowners insurance policy and have indicated they may impose lender-placed insurance at a significantly higher cost. I am current on all payments and have acted in good faith to resolve this issue directly. I am seeking recognition as a successor in interest under applicable federal law, acceptance of my existing insurance, and prevention or removal of any lender-placed insurance.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
We used Schwab bill pay system to pay for our long term care insurance. The system created two checks for a total of about {$4000.00}. Both checks were cashed by someone. We were notified by our insurance company that they never received the checks. When we looked at the address on the canceled checks we saw the address was incorrect. We are not the ones that input the address on the checks, Schwab does this. In fact we have no way of entering the the address or editing it. This is all done by Schwab. We have been in constant contact with Schwab about this and they have done nothing. This has now been going on for over six weeks and nothing is being done by Schwab to get our money back or to explain how this happened. The checks were cashed on XX/XX/year>.

Company response to consumer: Closed with explanation