vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have an FHAinsured mortgage. My Deed of Trust lists my full FHA case number as XXXX. However, my LoanCareXXXX online account only displays XXXX, omitting the final XXXX digits. The last XXXX digits of an FHA case number are not optional ; they are required for the servicers system to correctly load my FHA status, insurance certificate, forbearance history, protected months, and eligibility for FHA postforbearance options. FHA requires servicers to provide written postforbearance options without the borrower needing to request them. I entered my FHA forbearance while current, and under FHA policy, I am required to exit forbearance as current. My account should reflect a current status at exit. I did not receive my FHA options before my forbearance expired, even though the servicer is required to send them proactively. Because the suffix is missing, the system has repeatedly misclassified my FHA loan. This has caused disappearing forbearance history, disappearing protected months, false delinquency, blocked payments, hardship prompts, and failure to generate my FHA options. At one point, my escrow section even displayed Private Mortgage Insurance, which only appears on conventional loans, then it disappeared after logging out and back in. These system errors appear to be preventing the servicer from identifying my loan as FHA and producing the required written options. I am requesting CFPB assistance to ensure the servicer corrects the FHA casenumber XXXX and provides my written FHA postforbearance options as required.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Around 2022, a XXXX-related issue tied to my former Chase account appears to have resulted in a restriction that still prevents me from using XXXX with any bank. I contacted Chases fraud department and was told they can not review the matter because records older than two years are not available to them. I previously contacted XXXX and was told the matter had to be handled by the bank that submitted it. I am requesting a formal manual review by Chase through the appropriate escalation or executive response channel to determine whether Chase placed or maintains a XXXX-related restriction tied to my access, phone number, email, or profile, and to provide a written explanation and correction if the restriction was based on error, incomplete information, or an unresolved misunderstanding. I was told the investigation was closed, but I never received the funds and I was never contacted for my side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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:
I sent over {$2500.00} to the wrong person and cash app didnt let me dispute the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing the late payment and delinquency notations on my credit report, as they do not accurately reflect my payment history. These entries should be corrected to Paid as Agreed and any delinquency references removed.

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: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am attempting to close my Coinbase account and withdraw all remaining funds, but Coinbases system repeatedly prevents me from doing so by leaving small balances that can not be withdrawn. On XX/XX/XXXX I selected the withdraw maximum option in the Coinbase mobile app and transferred {$95.00} to my linked bank account. The app automatically left approximately {$0.00} remaining in the account. Coinbase then refused to allow withdrawal of this remaining balance because their system requires a minimum withdrawal amount of {$1.00}. This balance was not left by my choice. The platform itself created the remaining balance when I selected the maximum withdrawal option. Because the balance is under the {$1.00} minimum withdrawal threshold, the app will not allow me to withdraw the remaining funds, which prevents me from bringing the account balance to {$0.00} and closing the account. Coinbase support informed me that the remaining balance is considered a dust balance and advised that I must forfeit the funds in order to close my account. I do not believe consumers should be required to abandon funds in order to close a financial account, particularly when the platform itself created the remaining balance. This issue has occurred previously. On XX/XX/XXXX I attempted to withdraw all funds and close my account and Coinbase again left a small balance that prevented the account from being closed. Additionally, the Coinbase mobile app blocks screenshots of the withdrawal screen. Because of this restriction I am unable to capture the message that appeared during the withdrawal process stating that only {$0.00} is available to withdraw alongside the option to withdraw maximum, even though the account balance was over {$90.00} at the time. I contacted Coinbase customer support through the app and requested assistance, clarification of the withdrawal threshold, and escalation to a manager. The support agent stated that balances under the withdrawal threshold can not be withdrawn and recommended forfeiting the balance. My support case number is XXXX. I am requesting that Coinbase allow withdrawal of the remaining balance or remove the balance so the account can be closed immediately.

Company response to consumer: Closed with 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 — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet Student Loan Servicer failed to prevent a data breach that compromised my sensitive consumer information. The data breach reportedly compromised sensitive information, such as my name, address, phone number, email address and Social Security number. There is currently a class action lawsuit due to the failure to protect my information through reasonable cybersecurity measures.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America has asserted that I am personally liable as a guarantor on a business credit account related to XXXX XXXX XXXX XXXX XXXX. However, the bank has not provided any documentation demonstrating that I ever signed or agreed to any personal guaranty or personal liability for these accounts. I was working on behalf of the company as a contractor/officer, but I was not an owner of the company. XXXX XXXX XXXX XXXX XXXX is a wholly owned subsidiary of a foreign parent corporation, which is currently in bankruptcy. My role with the company involved acting as an authorized representative for banking matters, but I never agreed to personally guarantee any of the companys credit or banking obligations. On XX/XX/XXXX, I sent a written request to Bank of America asking for copies of all documents containing my signature and any agreements establishing personal liability, including any alleged personal guaranty agreements or account-opening documents. After this request, I received a phone call from my Bank of America account manager who stated that he could not find any checking, savings or credit card accounts where I was listed as a guarantor. Since then, I have spoken with multiple Bank of America representatives on several occasions, and none of them have been able to identify or provide documentation showing that I signed a personal guaranty or otherwise accepted personal liability for any XXXX XXXX XXXX or credit accounts. Despite this, on XX/XX/XXXX, I received a Notice of Personal Responsibility from Bank of America stating that their records indicate I am a guarantor and personally liable for the debt. To date, Bank of America has not produced any documents containing my signature accepting personal responsibility for these accounts, despite my written request for such records. I am requesting that Bank of America provide documentation proving any alleged personal guaranty or correct their records if no such agreement exists.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because Chase Bank has failed to honor a targeted 'Chase Offer ' for XXXX XXXX XXXX my Chase Sapphire Preferred account ( ending in XXXX ). The offer promised a {$120.00} statement credit for a qualifying purchase with XXXX XXXX. I met all published requirements by making a direct purchase from the official XXXX XXXX website. However, Chase denied the credit on XX/XX/year>, stating the charge was 'made outside of the United States XXXX. Because XXXX XXXX is an XXXX XXXX based in XXXX, an international transaction is inherent to the merchant. Targeting a customer for an international airline offer and then denying it because the transaction is international is a deceptive trade practice. I am requesting that Chase honor the {$120.00} credit as originally advertised.

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

Complaint narrative:
A debtbuyer account associated with an account ending in XXXX is being reported inaccurately. The original creditor was XXXX XXXX Bank, and the account is now reported as a Debt Buyers Account. A wage garnishment for this account was formally closed, but the company continued to report the account as an active collection for every month of XXXX and into XXXX. The company collected funds through wage garnishment, but the credit report does not show any payment history or application of funds. Instead, the balance suddenly dropped from {$3100.00} to {$960.00} with no explanation and no corresponding payment entries. The report shows no scheduled payments, no actual payments, and no accounting of the collected money. Even after the garnishment was closed, the company continued to report the account as a C ( Collection ) every month. This is inaccurate and misleading. The company failed to update the account status, failed to report collected funds, and continued reporting ongoing collection activity after the garnishment ended. These actions violate the requirement to furnish accurate, complete, and uptodate information under FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and CFPB Regulation V. I am requesting a full investigation, correction of the balance, accurate reporting of collected funds, correction of the monthly reporting history, and removal of any inaccurate collection activity reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
idk XXXX the CFCB XXXX closed this case XXXX because the company asked them to knowing that all I was going to do was open a new case to and issue a response. That was XXXX on your part. Y'all should have gave me the opportunity to reject them. Any way- I have attached a long as document that refutes everything Goldman Sachs lying XXXX done said - lazy XXXX XXXX XXXX Goldman Sachs Bank USA has failed to conduct fair or meaningful investigations into XXXX Apple Card disputes totaling {$1200.00}. Across all XXXX cases, Goldman Sachs sent identical boilerplate evidence requests, never provided case-specific guidance on what was missing, and then denied every claim citing " no evidence to substantiate '' despite the following : XXXX : I submitted photos and video of a defective product directly to the merchant. The merchant 's own representative offered a {$100.00} credit in writing, acknowledging the product was substandard. Goldman Sachs denied the dispute anyway. XXXX XXXX : The merchant sent me a 15 % discount code applicable to my order. I emailed the merchant three times requesting it be honored before filing the dispute. Goldman Sachs asked for documents confirming the correct amount I have them but their form letter never told me specifically to submit them. XXXX XXXX : I notified Goldman Sachs in XX/XX/year> that the charge appeared on a second card and offered to provide bank statement documentation. Goldman Sachs never responded to that offer, then denied the dispute. XXXX : I submitted a written statement that the charge was unauthorized and the service was never used. Goldman Sachs accepted the merchant 's billing record as proof of authorization. A receipt is not proof of authorization. Apple : Goldman Sachs re-investigated and issued the exact same denial with the exact same language and no new reasoning. Additionally, a Goldman Sachs chat agent named " XXXX '' terminated my session in XX/XX/year> rather than process my dispute. I contacted Goldman Sachs a minimum of eight times across these disputes. I was never given specific, actionable guidance. I will not pay these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the late payment and delinquency notations on my credit report, as they do not accurately reflect my payment history. These entries should be corrected to Paid as Agreed and any delinquency references removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I applied for an auto loan online with Bank of America on XX/XX/year>, with the inclination that I was engaging in a Consumer transaction, my consumer report was ran one or more times without my consent. Ultimately, I was denied for the loan. The entire consumer transaction is predicated on my unlimited credit according to the provision of 15 U.S. Code 1611 ( false and misleading denial of my own credit ). Full disclosure of auto loan terms and conditions were NOT provided when I filled out the application. The full sales price including all applicable taxes and fees were not listed on the loan application or the adverse action letter. I was not given a listing of all the factors that were involved in this consumer transaction. Being that I am the creditor in this consumer transaction, Bank of America is also in violation of 15 U.S. Code 1662. I am planning to pursue litigation due to these violations, if not remedied by Bank of America.

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: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I just did a whole new complaint against XXXX XXXX I mean yeah XXXX XXXX in New York but the bank and I got it was closed for some reason and they did not answer my questions and then they reply what I needed them to do I want my car back they did an illegal repossession on my car and all they asked me for the information that they need it because they obviously they couldn't find my information on their computer so I sent you back the information and you close my account you did with XXXX which I want to do but they haven't said anything because they haven't even did anything they took my car without illegally they patented money on my on my application when I when I apply for that car they gave me a XXXX XXXX and and in the charged me or no the whole XXXX I only make {$1000.00} a month they add almost XXXX plus on my on my on my application so they padded money and they did for you because a lot of them papers are not correctly so I'm here to give you the information they need it on the car so because I want my car back and I already got it I already deal with the complained with the police department with the FTC with the XXXX XXXX XXXX with the attorney generals and with the the XXXX from XXXX so I already did all that complaints all of them so they they still owe me but if you want the VIN number like if they don't know where the car is that the car they have the car they know the VIN number for them to be acting all stupid the VIN number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that's the VIN number to the car my name is XXXX XXXX my birthday is XXXX my Social Security is XXXX that's the information that the Mazda Financial wanted prior to this complete right here I'm not done with them they're not taking my car they're not getting away with this if I have to I'll take them to the court because I do have a lawyer I want my car back it was an illegal repossession of that car because they did fraud on my contract that padded money more money than what I make and they said they were investigating they had no right to come pick up the car I want my car back or XXXX XXXX XXXX XXXX out of them now I'm XXXX

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: ENOVA INTERNATIONAL, INC.
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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AmeriHome Mortgage Company, LLC
State: WY

Complaint narrative:
I am filing this complaint to report a flagrant violation of RESPA 12 CFR 1024.34 ( b ) ( 1 ) and 12 CFR 1024.35 by AmeriHome Mortgage XXXX XXXX XXXX XXXX ) and its sub-servicer Cenlar. While I have finally received my escrow refund, it was illegally withheld for months past the federal deadline, requiring well over 100 days of extreme effort, a court order, and hundreds of follow-ups on my end to force their compliance. My home was sold, and the loan was paid in full on XX/XX/year>. Under federal law, my escrow balance should have been refunded within 20 days. Instead, I was subjected to a staggering cascade of servicing errors, unauthorized data alterations, and retaliatory delays : Unauthorized Data Change & Misrouted Funds : On XX/XX/year>, I explicitly instructed AmeriHome not to alter my account or mailing information due to safety/privacy concerns. AmeriHome ignored this, altered my PII, and sent a check to the wrong address, improperly adding my former attorney to the Attention line. Failure to Resolve Notice of Error : I submitted a formal compliance complaint on XX/XX/year> ( Ticket XXXX ) regarding the data breach and misrouted funds. AmeriHome failed to provide a resolution within the 30-day federal timeline. Deceptive Timelines & Forced Legal Action : AmeriHome refused to wire my half of the funds without a court order. Even after an Agreed Order signed by a judge was provided on XX/XX/year>, and AmeriHome 's Legal Department approved it on XX/XX/XXXX, they continually delayed the wire. I was repeatedly given false processing timelines, bounced between unhelpful frontline agents, and hung up on when requesting escalations. AmeriHome and Cenlar have demonstrated a willful " pattern and practice of noncompliance. '' I spent over 112 hours acting as an unpaid project manager to force this institution to execute a basic legal requirement.

Company response to consumer: Closed with explanation