vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I submitted a {$600.00} payment for my vehicle loan with Fifth Third Bank on XX/XX/year>. The app did not give any indication that my payment had gone through ; neither did I receive an e-mail from my bank ( XXXX XXXX ) showing that a payment had gone through. I called Fifth Third Bank on XX/XX/year>, to inquire about whether my payment had gone through, and the gentleman on the other end of the line told me to wait until the next day to submit a new payment, because they had performed maintenance on their app on XX/XX/XXXX and the payment evidently did not go through. I tried again to submit a {$600.00} payment, via Fifth Third 's app, at approximately XXXXXXXX XXXX. on XX/XX/XXXX. Again, there was no indication that the payment had gone through, so I got on my desktop computer and went to their website. Lo and behold, both payments were processing. I then requested via chat on their website that one of the payments be canceled. They said that I had to wait four business days to request cancellation, and that it would take another 10 days after that before the payment would be refunded to me. I told them that was unacceptable because the whole problem arose due to their app no functioning as it should. They said there was nothing else they could do. I find this unacceptable since the problem was on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Filed for Response from Portfolio Recovery Associates. Original of the foregoing was caused to be filed via certified mail on XX/XX/year> to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Go Companies, LLC
State: IN

Complaint narrative:
I obtained an FHA XXXX ( XXXX ) loan in XXXX XXXX, IN. The mortgage broker I worked with told me I had to use a specific contractor who was approved for their loan program. I was required to sign a waiver stating that the lender was not responsible for contractor damages. The lender approved this contractor for my loan, as well as for others. I learned after renovation work had started that the contractor is not licensed. The renovation work had to be redone per the city inspector and damages resulted in approximately {$30000.00}. Violations include : RESPA section 8 violation, Fraudulent misrepresentation, breach of fiduciary duty, unlawful tying arrangement, Indiana deceptive consumer act, negligent referral, and lender liability for approving an unlicensed contractor for a federally regulated loan program.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Caribou Financial, Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against Caribou for deceptive marketing practices ( " Bait and Switch '' ), lack of transparency, and gross negligence regarding my sensitive personal data. The company initially offered me an APR of 6 %, which I accepted. Shortly after, they increased the rate to 9.95 %. Despite this bait-and-switch tactic, I agreed to move forward and spent the next two months providing every requested document, including my Social Security Number, work permit , id, proof of income, and vehicle details. I was instructed to sign and mail notarized documents via post three separate times. During this entire period, my assigned loan officer contacted me daily, assuring me that the process was finalized and my old loan was being paid off. However, once the final notarized documents were received, the company went completely silent for two weeks. My assigned representative stopped answering my calls, SMS, and emails entirely. Today, I had to call from a different number to reach a manager, only to be told abruptly that my file was " canceled '' without any written explanation or the legally required " Adverse Action Notice. '' My specific complaints are : Deceptive Tactics : Providing an initial 6 % quote only to hike it to 9.95 % after obtaining my data. Ghosting & Negligence : Cutting off all communication after receiving my physical notarized signatures. This raises serious identity theft and data privacy concerns. Credit Damage : My credit score has been negatively impacted by their inquiries and the two-month delay without a resolution. Financial Loss : I incurred unnecessary costs for notary services to their repetitive and disorganized requests. I hold Caribou fully responsible for any future fraudulent activity involving my personal information. I demand a formal written explanation for the denial and a confirmation that my sensitive documents have been securely destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am formally disputing a collection account reported by Midland Credit for a XXXX XXXXXXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$1500.00}. I contacted Midland Credit on XX/XX/XXXX, requesting the purchase agreement to verify ownership of this debt. They stated they would send it within 10 days. I have not made any payments, because I do not acknowledge the validity of this debt until it is verified. I believe this account may be reported inaccurately or without proper verification, which is a violation of the Fair Credit Reporting Act ( FCRA ). I request that Midland Credit provide documentation proving legal ownership and accuracy of this debt. If they can not verify it, I demand that this collection account be removed from my credit report immediately. I am taking all appropriate steps to protect my rights and expect prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
Back in XXXX I called XXXX and ask to put my loans in forbearance since I could not afford to repay my student loans. They told me I had until XXXX to resume payments. Today, as I was applying for a business credit card I was told I was denied for a recent delinquency. When I checked my accounts on annual credit report it showed Mohela was 90 days late and my scores dropped XXXX plus points. When I reached out to Mohela they said my forbearance ended XX/XX/XXXX of this year and I said well then why did I get hit with the 90 days if my forbearance just ended! I was confused as I just asked for a forbearance in XXXX. After calling XXXX and seeing all of my Loans are in forbearance except for this loan, I had no idea I had to make a payment as I thought I resolved it in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2026 I deposited my state tax refund check into my CapitalOne 360 Checking account via mobile app. Less than 30 minutes after I deposited the check, I received an email saying there an in-depth review of the check deposits you made on XX/XX/2026, into your account ending in XXXX, we believe theres an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, weve decided to delay the availability of all or part of {$3400.00} until XX/XX/2026. I spoke with 3 different supervisors XXXX, XXXX & XXXX. XXXX was the most rudest supervisor I have ever spoke with. She did not provide customer service at all I spoke with 4 customer reps. One was named XXXX, she spoke to me as though I couldn't read what was sent to me. Which it clearly states that a state refund check was flagged for being a possible bad check. Per the content on this website they only put holds on the savings account. There is nowhere notated on their website or app that says checks deposited into checking account have to be held for 4 days. None of their policy says that. Capital One is telling customers that bank with them their State Refund is a bad check & basically it can't be deposited. Then sent me an email saying it was deposited but they are still holding my funds. I asking for help because this is horrible when they didn't flag any of my other checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: FL

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXXAlliance One\XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXRe: Settlement Offer for Account XXXXTo Whom It May Concern,\nI am writing to you regarding the alleged toll debt on account XXXX XXXX for the total amount of XXXXDue to current financial hardships, including unexpected medical bills, I am unable to pay the full balance of this debt. However, I am committed to resolving this matter. \n\nI would like to propose a settlement offer of XXXX as a final, one-time, lump-sum payment to satisfy this debt in full. \nThis offer is contingent upon the following:\nYou agree to accept this amount as payment in full.\nThe remaining balance will be forgiven and the account marked as "settled in full" or "paid in full" with all credit bureaus.\nYou will cease all collection efforts and confirm that no further action will be taken regarding this account. \nPlease provide a written agreement accepting this settlement offer. Once I receive the written agreement, I will pay the agreed-upon amount within 10 business days. \nSincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
In XXXX XXXX, I was sold a residential solar financing/lease product through an installer ( XXXX XXXX ) using GoodLeap as the financing provider. During the in-home sales presentation, the salesperson provided handwritten notes comparing a projected GoodLeap payment of approximately {$69.00} {$80.00} per month through XXXX versus my average electric bill of approximately {$100.00} per month. This representation led me to believe I would only have the GoodLeap payment and would not continue to have a separate electric bill. The attached documentation includes contemporaneous handwritten sales notes provided by the salesperson ( XXXX ), which reflect the misrepresentations that induced my agreement. At the time of sale, I requested a paper copy of the contract and was refused. I was only shown an electronic copy on a tablet. After signing electronically, the contract terms I received did not match what was presented during the sale. I continue to receive a full electric bill in addition to the GoodLeap payment, resulting in higher total monthly costs than represented. I raised these concerns with GoodLeap and submitted a complaint to the CFPB. On XX/XX/XXXX, GoodLeap provided a response denying responsibility for the sales representations and stating payments must continue. They requested documentation of misrepresentation. I provided contemporaneous handwritten sales notes from the salesperson showing the monthly cost comparison and representations that induced my agreement. As of one week after submitting this evidence, I have not received a response or resolution. Billing statements continue to be sent during the dispute. As a good-faith attempt to resolve this matter, I requested a fair-market value buyout of the solar panels as provided for in the contract. Based on reasonable fair-market valuation, this would be approximately {$2200.00}. Instead, GoodLeap provided a prepayment quote of approximately {$31000.00}, which is a full financial payoff of the lease and does not constitute a fair-market purchase of the system. This does not resolve the dispute. I am requesting that GoodLeap address the misrepresentation at the point of sale, cancellation of the contract or agree to the {$2200.00} buyout of the panels as listed in the contract. Attached is the hand

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am 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 time 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 2026-02-24 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: Block, Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding Squares closure of my business account and the continued hold of my funds despite repeated compliance with their verification requirements. On multiple occasions, Square flagged my account for review. Each time, I promptly provided all requested documentation, including identity verification, business verification, and supporting materials. After submitting the required information, the flags were lifted and my account was restored. Most recently, on [ insert date ], I processed approximately {$3500.00} in legitimate client payments in one day. My typical daily processing volume is approximately {$1000.00}. There are currently no disputes or chargebacks associated with these transactions. Despite my history of successful verification and the absence of chargebacks, Square closed my account and placed a hold on my remaining balance. The notification states that funds may be held until XX/XX/year>, subject to potential chargebacks. These funds represent completed transactions for services already rendered under signed client agreements. I have maintained documentation for all transactions and have acted in good faith throughout my relationship with Square. At no point was I informed that my business model violated their policies, and I have complied with every review request made. I am requesting regulatory review of Squares decision to close my account and hold my funds despite no active disputes and prior successful verifications. I am seeking the prompt release of my remaining balance and written clarification regarding the specific policy basis for the closure and extended hold period. This extended hold without active chargebacks appears unreasonable and financially harmful to a small business operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Theres collection accounts thats on my credit report that do not belong to me and it is not fair for me to have collections accounts thats not mine, on my credit report keeping me from getting approved! So can you please provide debt validation and matching Social Security number to prove to me that these my collections accounts. If that information cant be provided PLEASE remove them collections accounts off my credit report. Thanks, 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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am disputing the accuracy of the payment/compliance status you are furnishing to XXXX. This account was included in a XXXX XXXX bankruptcy filed in XX/XX/year> and discharged in XXXX. Once included in bankruptcy, the account can not be reported as delinquent or not paid as agreed. Please correct the payment status to reflect included in bankruptcy with no delinquency indicators.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my Coinbase account was compromised through a social engineering attack. Attackers first gained access to my XXXX account by impersonating XXXX via spoofed phone calls, which gave them access to my password manager containing my Coinbase credentials. At XXXXXXXX XXXX PT, my Coinbase account was accessed from an unauthorized IP address geolocated to XXXX. I am located in XXXX. This geographic anomaly was not flagged by Coinbase. At XXXXXXXX XXXX XXXX, the attackers attempted to send XXXX XXXX ( approximately {$35000.00} ) from my XXXX Wallet to an external wallet address. Coinbase 's fraud detection system correctly identified this as suspicious and CANCELED the transaction. Just XXXX minutes later, at XXXX XXXX XXXXXXXX, the attackers submitted a second transaction same XXXX amount, same recipient wallet address, same compromised session from XXXX and this time Coinbase allowed it to complete. The loss was {$35000.00}. This is the core of my complaint : Coinbase 's system demonstrated the capability to detect and prevent this fraud on the first attempt. After canceling the first transaction, the system should have escalated security on my account, blocked the flagged wallet address, and required additional identity verification. Instead, it allowed an identical transaction to succeed minutes later with no additional protections. I contacted Coinbase immediately after discovering the unauthorized transfer. Coinbase confirmed the unauthorized access details including the attacker 's IP address and transaction records. I have also filed reports with the FBI IC3, XXXX XXXX ( as directed by Coinbase ), the California Attorney General 's Office, and local law enforcement. I am requesting full reimbursement of {$35000.00} and a formal explanation of why Coinbase 's fraud detection failed to escalate protections after correctly canceling the first unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
b"I am disputing the principal balance, predatory fee assessments, and pattern of servicing abuse regarding my mortgage. My loan originated in XXXX with a principal of XXXX. As of XXXX XXXX XXXXafter 26 years of continuous residency and paymentsmy balance is XXXX. This represents a negative principal reduction over more than two decades, which is mathematical proof of Equity Stripping.\n\nI am specifically challenging approximately XXXX to XXXX in 'legal fees' and 'corporate advances' added to my principal balance during a XXXX modification. At the time of this modification, my actual arrears were approximately XXXX Assessing fees that are triple the amount of the actual debt is a clear violation of the Missouri Merchandising Practices Act (MMPA). These fees were used to reset my 25-year-old loan to XXXX principal, effectively stealing over a decade of my hard-earned equity.\n\nPattern of Abuse & Illegal Entry:\nDuring the XXXX period, agents for the servicer (Nationstar/Mr. Cooper) illegally entered my home, causing physical damage (a broken window) that remains unrepaired. This mirrors the behavior documented in the National Nationstar Settlement XXXX and the XXXX XXXX CFPB Stipulated Judgment regarding illegal property preservation and lockout practices. I am formally requesting to be included in any active restitution classes related to these servicing violations.XXXX Waiver Denial:\nThe servicer is currently refusing to remove a mandatory escrow requirement despite my home having over XXXX in equity. With a balance of XXXX and a current market value of XXXX, my Loan-to-Value (LTV) ratio is 41.6%. Using a decades-old predatory modification clause to permanently deny an escrow waiver for a loan with nearly 60% equity is commercially unreasonable and a bad-faith practice.\n\nRequested Resolution (Mortgage Discharge):\nGiven the documented pattern of abuse, the lack of principal reduction after 26 years, and the 'ascertainable loss' I have suffered, I am requesting that the servicer forfeit all further interest and discharge the mortgage note as satisfied. I have more than satisfied the original principal debt, and the current balance consists entirely of predatory, unsubstantiated fees. I have sent a formal Qualified Written Request (QWR) via certified mail (tracking number XXXX XXXX XXXX XXXX XXXX XXXX and will pursue all legal remedies under Missouri law if this is not resolved immediately"

Company response to consumer: Closed with explanation