vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/year> I purchased groceries through XXXX I had two different types of payment method that I used to pay for my order. I use my food stamps and I use my debit card also. My total was {$230.00} but the XXXX adjusted {$270.00}. I spent {$150.00} in food stamps and so my card was charged for {$150.00}. Cash App owes me {$80.00}. And the refuse to give me my money back I have every transaction all the evidence proved that I never received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/scrub>, 2026 ( a XX/XX/XXXX orXX/XX/XXXX), I noticed that my checking and savings accounts were no longer visible in my Bank of America online banking and mobile app. I called Bank of America on XX/XX/year>2026 ( XX/XX/XXXX ) to report the issue. A representative told me it was a settings issue that had " hidden '' my accounts, and they restored visibility immediately. My accounts appeared normal and fully functional at that point. On XX/XX/scrub> 2026 ( XX/XX/XXXX ), I received an alert that my checking account balance had dropped to {$0.00}. I logged in and found a debit hold for the full value of all my accounts {$11000.00}. I contacted Bank of America 's fraud department assuming this was unauthorized activity. The fraud department informed me that my accounts were not subject to fraud they were in the process of being closed. I was transferred to the account closure team, who confirmed the closure but refused to provide any reason, stating only that Bank of America had chosen not to continue with me as a client. I called back multiple times attempting to reach a different department or escalate the matter, but was repeatedly transferred to the same closure team, who gave the same response with no explanation and no recourse offered. At no point prior to the hold being placed on my funds did I receive any written notice, email, phone call, or in-app notification that my accounts were being closed or were under review. The first indication I had that anything was wrong was the disappearance of my accounts from my online banking on XX/XX/XXXX which a Bank of America representative told me was merely a settings issue, not a warning of impending closure. I have been a Bank of America customer for approximately XX/XX/XXXX years with no prior account issues. Bank of America has indicated they will send my account balance as a cashier 's check. This has caused me profound inconvenience including inability to access normal banking functions as I switch to a new account. I have been late on my rent and credit card payments and have had to borrow money from friends as I literally can not access cash, XXXX, and other basic mobile banking services while trying to transition to a new account. I have no idea why my account was closed and I'm really paranoid about what the reason was. I need to know so that I can avoid this in the future.

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 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
Got a car at J D Byrider. Loan through CNAC. Issue with car found out it was bought in auction. Car was in a flood. JD by Ryder took the car back. After my father was going to sue. It was not repoed. I believe they have since been shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
In XX/XX/XXXX, a collection account was opened by Rent Recovery Solutions in the amount of {$100000.00}, which was subsequently placed on my personal consumer credit report. I have never personally guaranteed this lease or entered into any personal financial agreement with Rent Recovery Solutions or the original creditor. On XX/XX/XXXX, Rent Recovery Solutions received a formal written debt validation letter sent via USPS Certified Mail ( confirmed delivered at XXXXXXXX XXXX XXXXXXXX, GA XXXX ). In this letter, I disputed the validity of the debt in its entirety and formally requested that the company provide verification of the alleged obligation, including a copy of the original signed agreement bearing my signature, a complete account history, and proof that they are authorized to collect this debt in the state of Georgia. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), Rent Recovery Solutions was required to provide verification of the debt within 30 days of receiving my written request. As of XX/XX/XXXX, 45 days after confirmed delivery, Rent Recovery Solutions has not responded in any form. They have not validated the debt, acknowledged my dispute, or communicated with me in any way yet they continue to verify with the credit reporting agencies. Despite their failure to validate the debt within the legally required timeframe, this account continues to appear on my personal consumer credit report, actively harming my credit profile and, critically, negatively impacting an active federal employment background investigation. The continued reporting of an unverified, disputed debt to consumer reporting agencies after failing to respond to a timely written validation request constitutes a violation of the FDCPA, 15 U.S.C. 1692g ( b ), and potentially the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I am requesting that the CFPB compel Rent Recovery Solutions to : ( 1 ) immediately cease all collection activity on this account ; ( 2 ) request deletion of this tradeline from all consumer reporting agencies; and ( 3 ) provide written confirmation of the actions taken. I am also requesting that Rent Recovery Solutions be investigated for their failure to comply with the FDCPA 's debt validation requirements.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 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: SOUTHSTATE BANK CORPORATION
State: DE

Complaint narrative:
On XX/XX/year>, I made a {$50.00} purchase from a website ( XXXX ) using my XXXX XXXX XXXX, processed through XXXX. The merchant did not deliver the product or service I paid for, and has not responded to any of my refund requests. The website shows multiple signs of being a fraudulent operation. On XX/XX/year>, I contacted XXXX support, who locked the card and directed me to their card processor at XXXX to file a chargeback. When I called the processor, the representative refused to open a formal dispute, stating that because I entered my card information voluntarily at checkout, the transaction was not eligible for chargeback. This response is incorrect. Authorizing a payment and receiving the goods or services paid for are separate issues. Under XXXX chargeback rules, " Cardholder Dispute '' ( reason code XXXX ) explicitly covers situations where the cardholder did not receive the goods or services they paid for, or where what was provided was materially different from what was described. The processor 's blanket refusal to open a dispute on the grounds that I " voluntarily entered my card information '' is not a valid basis for denial under XXXX rules. Additionally, because this is a prepaid XXXX account, Regulation E ( 12 C.F.R. 1005.11 ) requires the financial institution to conduct a prompt and reasonable investigation of disputed transactions. The CFPB has previously taken enforcement action against institutions that summarily denied disputes without reasonable investigation. I am requesting that the card issuer properly review this transaction under the appropriate XXXX chargeback process, conduct a reasonable investigation as required under Regulation E, and refund the {$50.00} transaction if the dispute is found valid. I have documentation of the transaction, the merchant website at the time of purchase, and my attempts to contact the seller, all of which I am willing to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research, I C SYSTEM is a debt collector. They are falsely reporting on my credit! Account XXXXXXXX XXXX XXXX XXXX is falsely reporting credit file and is against my rights and fair credit act. Under U.S. Code 16 of investigation consumer report, you are in violation.

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 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I am formally disputing the alleged student loan balance being reported under my name. I have made multiple requests for verification of this debt, including a complete copy of the Master Promissory Note and full documentation establishing the chain of custody. To date, this information has not been provided. Without these documents, there is no verified proof that I am legally obligated to this debt, nor is there confirmation that the reported balance is accurate. Despite this lack of validation, negative information has been reported to the credit bureaus, which has caused significant harm to my credit profile. I am requesting immediate validation of this debt, including : A complete and signed Master Promissory Note Full chain of custody documentation showing transfer and ownership of the loan A detailed accounting of the balance, including principal, interest, fees, and payment history Until proper validation is provided, I request that all negative reporting related to this account be removed or corrected. Reporting unverified or inaccurate information is unacceptable and must be addressed promptly.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am filing a complaint regarding an auto loan through Westlake Financial involving a vehicle that can not be legally titled or registered. I purchased the vehicle from a XX/XX/XXXX dealership on XX/XX/year>, and the dealership has since gone out of business. It has been over XXXX months, and no title has ever been properly transferred or recorded in my name in any state. I confirmed with both the XX/XX/XXXXXXXX and XX/XX/XXXXXXXX that there is no title record associated with me for this vehicle. My temporary registration has expired, and I can not legally operate the vehicle. Westlake Financial initially stated they did not have the title, and later stated they have a copy, but have not completed the title process or provided a clear path to resolution. I was also incorrectly told that the vehicle must be paid off before the title could be processed. I am currently making payments on a vehicle that I can not legally own, register, or use due to a failure in the title process. This raises concerns that the loan may have been funded without proper title or collateral documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am requesting that PORTFOLIO RECOVERY ASSOCIATES , LLC removes this collection of all 3 credit bureaus XXXX, XXXX and XXXX, since the debt was paid in full. Paid them the debt that was owed for a credit card company named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I had signed up for a loan with penny Mac and went through the process of providing the requested documents. I explicitly told the mortgage loan officer XXXX XXXX that I did not want to put money down. At the time I owned our first home and was not able to sell this house but I was told that it would not affect anything. After going through the process I went through the discolosure documents and confirmed with their team over the phone that I was indeed approved and was not going to pay any money. Formal Complaint Regarding Loan Handling, Miscommunication, and Closing Delays I am submitting this formal complaint regarding the handling of my mortgage loan, which resulted in significant delays, incorrect information, and unnecessary stress during the homebuying process. After being preapproved, I provided all required documentation and received confirmation that my loan was fully approved. At no point did I request or authorize the loan to be made contingent upon the sale of my current home. Despite this, the loan was incorrectly structured with that contingency, which forced a complete restructuring of the loan and altered the original terms. Throughout this process, I was repeatedly assured that no down payment was required. These confirmations were given multiple times by your staff. However, the day before closing, after all loan details had already been reviewed and confirmed, I was suddenly informed by the mortgage department that a down payment was required. The representative stated she did not know why this appeared, as she had personally reviewed the file and confirmed that no down payment was needed. She indicated she needed to get back to XXXX regarding the issue. Following this, I attempted to contact XXXX directly, but he stopped answering his phone once the mistake was brought to his attention. My realtor also attempted to contact him, and XXXX refused to speak with him as well, stating he could no longer communicate with him. Because of the severity of the situation, the closing attorney had to get involved and also raised concerns about the handling of the loan. I then contacted XXXX manager, XXXX. During our conversation, XXXX acknowledged the situation but refused to take accountability, stating that it was everyones fault without offering a clear explanation. He stated only that were here now, and were going to fix it. As a result of these errors, the loan had to be restructured again, which changed the payment amount and delayed our closing date. This caused significant and unnecessary stress for my family and me. This experience does not reflect the level of professionalism, accuracy, or communication expected during the homebuying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis & Clark Capital LLC
State: TN

Complaint narrative:
XX/XX/XXXX FTL Finance gave a personal loan to my ex spouse and included my name on the loan. I was divorced on XX/XX/XXXX and would not ever sign a loan with my ex spouse. I presented them with my divorce papers and they have refused consistently to remove me from the loan. They have destroyed my credit score and still refuse to remove my name from my ex spouse loan. I did not sign th papers was not present they did not have my ID or signature on any documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XX/XX/year> at approx XXXX I deposited foreign currency for the amount of XXXX dollars in currency foreign. @ citizens Bank XXXX XXXX XXXX.. The calculated amount yield was XXXX to XXXX dollars. To receive. The the exchange fee.. The bank employee gave me back the amount I paid for the currency elsewhere .. which was XXXX XXXX .. no gains no difference nothing... I called the bank 3 days after to dispute the exchange and informed them that the employee stated firstly they didn't provide services for the money type then proceeded to exchange anyway... It was XXXX XXXX... they said they do this by computer generated ways and I said could possibly wrong worth your dispursement ... non concluded a second call 1 weak later for the same dispute spoken to a female bank teller and the employee on phone was told by me that I wanted a dispute filed... I find in a later 3rd phone call that the dispute was never. In the second call to this bank I asked and applied for a financial advisor for the dispute to have with my bank and account services .. no answer. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I'm having a huge issue with the Barclays/XXXX transition . I've spoken with several representatives within Barclays customer service/management that are either unaware or unwilling to admit an issue with the transition. I'm unable to get approriate reconicilation to the issue. The issue being I was made aware by a XXXX supervisor ( XXXX in Kentucky ) that there is an alert for XXXX or more Barclay accounts that were erroneously flagged and transferred to a different Barclay card instead of the XXXX card. From XXXX I was told all of those accounts, including mine, would be reflagged and sent to a XXXX. XXXX also stated all Barclay XXXX cards were being transferred to XXXX because there were no eligibility requirements. When I speak with anyone from Barclay management team I am told my account did not meet eligibility requirements for the transfer. No one from Barclay management can or will tell me what the requirements are or which I did not meet. I have a welcome email from XXXX and a XXXX statement sating id be transitioned from Barclay.

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 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I have fallen behind a couple times with Wells Fargo. The first time was shortly after I got the XXXX my son XXXX XXXX and I started missing payments. This went on for a couple years of trying to get caught up because the payment was so high. When I bought the truck, the person at the dealership did something to the paperwork that ended up costing me more in monthly payments. The dealership fired him, but no one was willing to rectify the payments. So Ive been paying an extremely high payment and when Im late, the fees are just ridiculous. Its put a hardship on me. But not that it is destroying my credit. They sent me a refund check once for XXXX XXXX that was the biggest insult I ever got, but if you went looking through all the records, you would see all the interesting fees, and the interest rates are ridiculous. And there was one time they denied me deferments to the situation I was in saying it was because I was behind new policy. Thats what they call it. This whole thing was crooked from the day. I got the truck. I think it needs to be investigated.

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 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
The loans through XXXX XXXX were ruled to be uncollectible due to the predatory nature of the loans and the misleading information provided to the lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding Comenity Capital Bank in relation to a financing account I currently have with them for the purchase of a computer. I have made all of my payments on time and in good faith. However, on multiple occasions, Comenity Capital Bank processed my payments one day after the due date, even though I submitted the payments on time. Because the payments were processed the following day, the bank charged me late fees and additional interest that should not have been applied. This has happened more than once, and I believe the way my payments were processed is unfair and misleading. I fulfilled my responsibility by paying on time, yet I was still penalized due to the banks processing practices. I am requesting that Comenity Capital Bank : 1. Remove all late fees and interest charges that resulted from these incidents. 2. Correct any negative marks on my account related to these payments. 3. Ensure that future payments made on the due date are not treated as late when submitted on time. I am submitting this complaint because I have attempted to handle this issue directly, but the situation has not been resolved. I would appreciate the XXXX assistance in helping resolve this matter fairly. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wrote the company chase to go back 5 years and check while I was linked to private client account I was not supposed to be charged for monthly service charge of XXXX dollars. However they refunded me 5 months. They did not go back as I requested for 5 years to see how many total I was charged while I was eligible to have free checking. I do not have my old account number but I recently in the last year had to start a new checking account because of divorce. I would like for Chase to go back on my old account to m make sure the XXXX dollar monthly fees are all reversed.

Company response to consumer: Closed with explanation