vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: CITIBANK, N.A.
State: PR

Complaint narrative:
I previously filed a CFPB complaint on XX/XX/XXXX about a deferred interest charge of {$920.00}. The company responded but the issue was not resolved and the complaint closed. 
This is a Best Buy credit card account with a deferred interest promotion. The promotion NO INT W PYMTS FOR XXXX XXXX began XX/XX/XXXX and expired XX/XX/XXXX with an original promo amount of {$2300.00}. 

I did not use the card after the problem began and I did not continue spending. I made repeated payments in good faith. My last XXXX credited payments were : {$160.00}, {$170.00}, {$160.00}, {$130.00}, {$160.00}, {$150.00}, {$100.00}, {$15.00}, {$130.00}, and {$34.00}. These payments were made monthly and sometimes with additional smaller payments in the same month. 

When the promotion expired, the company applied deferred interest retroactively from the original purchase date. My statement shows deferred interest of {$900.00} and total interest charged of {$920.00} in that cycle. 
This caused the balance to jump from {$2700.00} to {$3700.00} and pushed the account over the credit limit by {$750.00}. The minimum payment demanded at that time was {$880.00}, which was not realistic and created immediate hardship. 

After the deferred interest was applied, the balance continued to be driven by a high APR and fees even while I kept making payments. For example, a later statement shows interest of {$84.00} and a late fee of {$41.00} in a single cycle. This is why my payments have not meaningfully reduced principal. 

I contacted the company and requested clarification and hardship or relief options. In my prior CFPB complaint I explained the hardship and that the companys position was essentially that I had to pay over {$2200.00} in one month to avoid being charged over {$900.00} in deferred interest, which defeats the purpose of asking for assistance.

This is an unfair outcome because I made consistent payments in good faith and stopped using the account, yet the balance increased due to retroactive interest and continuing charges. The company did not provide a workable repayment solution after this occurred.

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 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This account was opened fraudulently and without my knowledge. I have made police reports and have filed with FTC, now consumer financial protection to get my life back on track since this identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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

Complaint narrative:
PayPal permanently limited my account but has unlawfully withheld my remaining balance for approximately two ( 2 ) years, far exceeding its own 180-day maximum holding period. I am not requesting account restoration. I am demanding the release of my funds, which PayPal has no legal right to keep. No court order, law-enforcement directive, or XXXX XXXX has ever been provided to justify this prolonged retention. Under both PayPals own policy and consumer financial regulations, funds must be released once the review period ends unless a lawful freeze exists. I have already filed a complaint with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), which has formally referred this case to PayPal for regulatory action. Despite this, PayPal continues to withhold my money without legal authority. This constitutes unlawful retention of consumer funds and unjust enrichment. I am requesting immediate regulatory enforcement requiring PayPal to release my remaining balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX {$17000.00} is the amount it states auto loan last 4 of the account is XXXX date opened XX/XX/XXXX ( XXXX ) XXXX was the number I contacted XXXX XXXX XXXX {$13000.00} amount on the account that was charged off last 4 of act:XXXX states its an auto loan I never opened or had knowledge about ( XXXX ) XXXX is the number I contacted date opened : XX/XX/XXXX Absolute resolutions collections XXXX XXXX XXXX unsecured loan type is what it states on my credit report states charged off amount {$2900.00} XX/XX/XXXX was account opened without my knowledge phone number I tried to reach out to and were unhelpful XXXX XXXX XXXX XXXX XXXX I never allowed to company to access my credit report or report anything to my credit. I had no knowledge of this account. date opened XXXX XXXX, XXXX balance : {$8400.00} ( XXXX ) XXXX phone number I keep calling and do not get a call back. US treasury XXXX XXXX, opened XX/XX/XXXX, amount owed {$1400.00}, this account was opened or obtained without my knowledge or permission.US treasury XXXX XXXX, opened XX/XX/XXXX, amount owed $ {$1100.00}, phone number : ( XXXX ) XXXX, this account was opened or obtained without my knowledge or permission. Absolute financial investment, date opened XX/XX/XXXX, about owed {$2900.00}, phone number : ( XXXX ) XXXX, this account was opened or obtained without my knowledge or permission. * FRAUD INQUIRIES : XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX inquired fraudulently Financial partner XXXX XX/XX/XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX  XXXX XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX XXXXXXXX XXXX via XXXX OF XXXX XXXX XXXX XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX  XXXX XXXX ( XXXX ) XXXX inquired fraudulently

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 2026-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
while stopped at a traffic light in XXXX XXXX an individual approached my vehicle under the pretense of requesting a charitable donation. My window was down, and I was actively using my phone for XXXX navigation. The individual aggressively grabbed my phone and scanned a XXXX code, initiating a Cash App transaction without my knowledge, consent, or authorization. 

I did not know the individual, do not recognize the recipient, and did not approve or intend to send any payment. The transaction was the result of theft and coercion, not voluntary use of my account. 

I immediately reported the transaction to Cash App and provided all relevant documentation, including a police report and a cybercrime/web fraud report. Despite this, Cash App denied my claim twice without providing meaningful investigation details, relying on the assertion that the transaction was authorized using my phone and IP address. This reasoning is inaccurate, incomplete, and fails to comply with standard procedures for investigating unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Two checks were returned XXXX, and no negative balance remained. Before finalization, an incoming XXXX transfer was arranged to fund the account, but the bank blocked the transfer. The account was then closed with no financial loss. Despite this, two negative XXXX XXXX XXXX entries were reported without full context. I am requesting correction or deletion of the reporting.

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 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX {$17000.00} is the amount it states auto loan last 4 of the account is XXXX date opened XX/XX/XXXX ( XXXX ) XXXX was the number I contacted XXXX XXXX XXXX  {$13000.00} amount on the account that was charged off last 4 of act:XXXX states its an auto loan I never opened or had knowledge about ( XXXX ) XXXX is the number I contacted date opened : XX/XX/XXXX XXXX XXXX XXXX unsecured loan type is what it states on my credit report states charged off amount XXXX XX/XX/XXXX was account opened without my knowledge phone number I tried to reach out to and were unhelpful XXXX XXXX XXXX XXXX XXXX I never allowed to company to access my credit report or report anything to my credit. I had no knowledge of this account. 
date opened XXXX XXXX, XXXX balance : {$7400.00} ( XXXX ) XXXX phone number I keep calling and do not get a call back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX University improperly altered my federal student loan disbursement after the loan was released by the Department of Education. My official award letter shows I accepted the full loan amount for the term. 

On the disbursement date, the full loan was processed federally and now appears as my full loan obligation on XXXX. However, XXXX only applied part of the funds to my account and returned the remainder without correcting my loan balance. 

XXXX then reduced my loan amount internally on the day of disbursement and is now billing me for the difference, even though the federal loan remains fully owed. 

I am a full-time XXXX XXXX and remained eligible for the original award. No enrollment or academic status changes occurred. 

When I contacted XXXX, I was told they could not fix the issue. 

This has resulted in me owing loan funds that were never made available to me or properly credited. 

I am requesting that this improper adjustment be corrected and that XXXX either disburse the remaining funds or coordinate with the Department of Education to correct the loan balance. 

I have documentation to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This is the information I received back : Dispute item Account : DEPTEDNELNET Account : DEPTEDNELNET Result Unknown Unfortunately, we did not receive dispute results for this account. To ensure that you have the most complete and up to date information, please visit www.transunion.com/get-credit-report to view a free copy of your current credit report. If you have any questions about your credit report, please contact XXXX customer support line at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting for my Zales credit card account ( XXXX/ZALESXXXX  ). 
This account is reported as charged off, yet it simultaneously shows a {$0.00} balance and states purchased by another lender. If the account was sold, Comenity Bank/Zales is no longer the owner and should not continue reporting a charge-off. If the account was not sold, the reporting is incomplete and inconsistent.

No subsequent tradeline from any other lender appears on my credit report, making the ownership of this account unclear and the reporting misleading to creditors reviewing my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Company : Cash App / Block , Inc . 
Product : Money transfer / payment app Issue : Account closed due to fraudulent activity / identity theft Complaint : My Cash App account was hacked and taken over without my authorization. I never sent or received any money and did not make a single transaction on the account. Unknown individuals gained access and conducted high-volume transactions that I did not initiate or approve. 

I reported this activity to Cash App and attempted to appeal the account closure, explaining that the activity was fraudulent and the result of unauthorized access. Despite this, Cash App permanently deactivated my account, stating that it violated their Terms of Service, without properly investigating the identity theft or providing a clear explanation. 

I am concerned that Cash App is holding me responsible for fraudulent activity that I did not commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Hello, I am a XXXX  who serve my country and Ive been going through a tough time lately because reduction of income there was an escort analysis done on my account and my payments have shot up for {$500.00}. I tried to ask XXXX  to spread out my shortage, but they say I had to be current. Im not gon na be able to be current right now, but Im trying to catch back up. I find this terrible how they treat veterans because all Im trying to do is spread out the shortage, but they wont oblige and they told me no they can not spread my shortage job which Ive been with other mortgage services who spit out my shortage so that way can give me some relief on my finances. This is not how you treat your 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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am disputing Bank of Americas denial of my fraud claim. Multiple unauthorized charges were made to my credit card, including one large charge of approximately {$4900.00} and several smaller charges from an unknown merchant described only as XXXX XXXX XXXX. 

The transaction is coded as a fee, not a purchase, no goods or services were received, and the merchant is unrecognizable. Bank of America denied my claim solely because the charge was allegedly made from a verified device, which does not meet the standard of authorization under the Fair Credit Billing Act.

I did not authorize these transactions, did not benefit from them, and no delivery or confirmation exists. I have been a Bank of America customer for 14 years with multiple accounts, including a mortgage, and am requesting a full reinvestigation and permanent credit.

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 monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX {$17000.00} is the amount it states auto loan last 4 of the account is XXXX date opened XX/XX/XXXX ( XXXX ) XXXX was the number I contacted XXXX XXXX XXXX {$13000.00} amount on the account that was charged off last 4 of XXXX states its an auto loan I never opened or had knowledge about ( XXXX ) XXXX is the number I contacted date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX unsecured loan type is what it states on my credit report states charged off amount {$2900.00} XX/XX/XXXX was account opened without my knowledge phone number I tried to reach out to and were unhelpful XXXX XXXX XXXX XXXX XXXX I never allowed to company to access my credit report or report anything to my credit. I had no knowledge of this account. 
date opened XXXX XXXX, XXXX balance : {$8400.00} ( XXXX ) XXXX phone number I keep calling and do not get a call back inquiries : XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX inquired fraudulently XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXXXXXX communication by mail only inquired fraudulently XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently XXXX XXXX XXXX, XXXX ( XXXX ) XXXX inquired fraudulently XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired fraudulently

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My checking account was closed and designated as Closed for Cause Purged. The account statement shows fluctuating balances, including small negative balances, but reflects a XXXX  balance at closure and no clear financial loss. 

I was not provided with a clear explanation of what specific actions constituted cause or why the account was escalated to a purged status. The severity of this designation is not supported by the balance history shown in the statement. 

I am concerned that this classification is inaccurate or misleading and may be adversely affecting my ability to open or maintain bank accounts elsewhere. 

I am requesting clarification of the closure reason and correction or removal of any adverse reporting or internal classification that does not accurately reflect the account activity or outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cashapp blocked my account XXXX for no reason and then refuses to allow me a new one or even a explanation other than fraud but there was no fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Benht: Economic Development Corporation
State: SD

Complaint narrative:
I took out a loan for {$1000.00} and I didnt see the interest rate was over 476 % and they didnt even tell me what payments I would be making. theyre trying to make me pay {$480.00} a month for two years. I didnt even see the interest rate until recently, but I know its more than South Dakota allows for the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, Rocket Mortgage contacted us to present a refinancing opportunity. They stated that converting our existing XXXX loan to a XXXX loan would lower our monthly payment. During the discussions that followed, we were informed that : -Our monthly payment would decrease by approximately {$100.00} ; -Our interest rate would be reduced from XXXX  % to XXXX % ; -The amount applied to principal each month would triple ; and -The loan term would change from XXXX  years to XXXX years. 

Because this appeared to be a beneficial option, we proceeded with the refinance. Throughout the process, we repeatedly askedon recorded callswhether any additional funds would be required at closing. Each time, we were told there would be no additional payments or closing costs. 
We completed the refinance at the end of XXXX and made XXXX payments without any indication of a problem. 
On XX/XX/XXXX, we received a notice from our county stating that our property taxes were due and had not been paid. This prompted us to contact Rocket Mortgage immediately. The XXXX  representative informed us that situations like this happen a lot when a refinance occurs close to the tax due date, and they submitted a ticket to the tax department. 

We were later transferred to the loan origination team, where it was discovered that : XXXX. No one had accounted for our XXXX property taxes, meaning we should have brought approximately {$9000.00} to closing, and XXXX. The escrow team had miscalculated our escrow account by basing the estimate only on the XXXX months of taxes we paid in XXXX after purchasing the home in XXXX. 

Because of these errors, our monthly payment is now scheduled to increase by approximately {$700.00} per month for the next XXXX  months in order to correct both the missed XXXX taxes and the escrow miscalculation. The only remedy provided to us so far has been a credit of {$1500.00} to our escrow account and permission to spread the tax repayment over XXXX  months. 
These issues were the result of Rocket Mortgages negligence and miscalculations, and they have placed a substantial and unexpected financial burden on us.

Company response to consumer: Closed with explanation