vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I literally do not know I woke up one day and decided to check my cashapp to check my account gone off of my easy access menu then I try to login and my PIN code doesn't work and I notice transactions multiple including {$80.00} and another {$300.00} and {$25.00} to {$400.00} and I wasn't never notified on anything cashapp XXXX can I please get a refund or something and I don't have a location on the person who logged in because all it says is my device I really need help and please this is strange

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
This letter serves as a formal demand to dispute the outcome of Capital Ones investigation under XXXX XXXX. XXXX, which is also the subject of CFPB Complaint XXXX XXXXXXXX. 

The investigation was defective and relied on false and unverified information. 

Capital One concluded that the card belonged to me based on an alleged association with the following : Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I state unequivocally that neither the phone number nor the address belong to me. I have never used this phone number, and I have never lived at, received mail at, or been associated in any way with the listed address. 

Despite the absence of any verified documentation proving card ownership, Capital One determined that the card was mine. Reliance on inaccurate third-party data while failing to produce direct evidence constitutes a failure to conduct a reasonable investigation, as required under applicable consumer protection laws. 

Accordingly, this determination is invalid. I am demanding that this matter be immediately reopened and reinvestigated, using verifiable evidence that directly establishes card ownership. If such evidence can not be produced, Capital One must withdraw its determination, correct its records, and confirm these actions in writing. 

Failure to properly reinvestigate and correct this error will result in continued escalation, including further regulatory complaints and legal remedies. 

Provide written confirmation of your reinvestigation and the evidence relied upon within 10 business days. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am disputing an alleged escrow shortage and resulting payment increase imposed by Freedom Mortgage following a recent escrow analysis dated XX/XX/year>. 
I was previously advised my escrow obligation should have been approximately {$4500.00} ; however, only approximately {$1000.00} was collected. I was never notified of any escrow deficiency at the time it occurred. Freedom Mortgage is now attempting to retroactively impose a {$4100.00} escrow shortage and increase my monthly payment by over {$600.00} with minimal notice. 
This shortage appears to be the result of servicer under-collection, miscalculation, or failure to properly estimate escrow obligations, not borrower nonpayment. The escrow analysis relies on estimated figures and lacks adequate substantiation. 
I have submitted a formal RESPA Qualified Written Request and Notice of Error demanding full escrow accounting and documentation. While this dispute is pending, I am requesting that Freedom Mortgage refrain from adverse credit reporting, collection activity, or enforcement related to the disputed escrow amounts.

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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
In XXXX  I opened a credit card account in my name with XXXX  XXXX I started to see fraudulent charges on my credit card and I immediately contacted them when I started getting notices and told them I dont have access to my account nor have my credit card that was lost in the move they told me they would send a letter in the mail and refused to listen to me expecting me to show it wasnt me when I didnt have access to the account or card in my possession and phone was stolen at that time and my card information was on that phone along with the account and they closed the account leaving me with debt that wasnt even my fault leaving me the amount of {$450.00} in debt they continue to harass me when this debt is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I noticed my XXXX  was XXXX for a charge from ocean casino resort in XXXX XXXX. I was never there. And overdraft is not even allowed with XXXX  I had {$0.00} in my account at the time. They allowed them to take {$300.00} from me without my knowledge. I was told by the resort it was an apple pay payment as my card was in my possession. my account was frozen due to being in negative. I paid the {$300.00} to get back into my account assuming I would get my money back as I did not make or authorize that transaction. XXXX  denied my dispute. I then appealed it. They denied again. Stating my card was in my possession that is correct but hackers can definitely get a hold of my card numbers. They allowed my account to be compromised and refuses to make it right, when I asked for a supervisor I was told they dont have one. The representatives have not a clue as to what their job is and is no help. I have to add that I lost my wallet and my phone in an uber a few weeks back. Im assuming that is how someone was able to get into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
When I ordered a new debit card after reporting my present card lost ending in XXXX, Bank of America blocked my access to a digital debit card, which was designed for online account access until & after physical card arrives. The status continuously states " view card '' which is impossible as I was blocked from creating card. I have been essentially locked out of my account for online bill paying using my Social security retirement funds. This smacks of ageism & elder abuse.

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 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I signed a sponsored XXXX XXXX  and XXXX XXXX XXXX XXXX  They got my at their school and the hotel, They treated me less than human. 
But they asked me to go home until the call me back, Instead calling me back they put me in credit collection agency that I found at my XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The refunds from XXXX ( US {$2700.00} on XXXX XXXX and US {$2700.00} on XXXX XXXX ) have been marked as refunded/posted for over two weeks, but the funds have not been released to my USD balance. 

I have contacted support multiple times with no resolution or response. They have confirmed they have received the funds but hasn't released it yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. The email associated with my Cash App account is XXXX. 

Cash App deactivated my account and stated that I violated their Terms of Service due to alleged fraudulent activity. They did not identify what specific transaction or behavior was considered fraudulent, did not provide evidence, and did not give a clear appeal path with a real explanation. 

My account activity was normal daily use. I used the Cash App card for ordinary purchases and typical spending. I did not engage in fraud, scams, money laundering, or prohibited transactions. I am being accused without proof and without meaningful due process.

Cash App sent a message stating they reviewed my account and found activity that violates their Terms of Service and that my account will remain deactivated. The notice does not provide enough detail for me to understand the allegation or respond. I requested clarification and reconsideration, but I have not received a specific reason, the transactions they claim are problematic, or documentation supporting the decision. 

Section : Harm caused This deactivation and fraud accusation has harmed me by XXXX Blocking access to my account features XXXX Creating uncertainty about my ability to access funds and use the service XXXX Labeling my account as fraudulent without proof or an explanation Section : What I want Cash App to do I request that Cash App do all of the following XXXX Provide a detailed written explanation of the exact reason for the restriction, including the specific transactions, dates, and policy sections they relied on XXXX Provide the evidence or rationale supporting the fraud allegation XXXX Provide a clear appeal and review process with a human review XXXX Reinstate my account if they can not substantiate the fraud claim XXXX If they refuse to reinstate, provide written confirmation that my account was closed without any finding of illegal activity and ensure I can withdraw any remaining funds without delay XXXX Provide all account records related to this decision, including internal notes or compliance flags tied to my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I made three purchases on XXXX totaling approximately {$2400.00}. The transactions were later refunded by XXXX ; however, the refunded funds never posted back to my Bank of America account. I have receipts and refund confirmations showing the refunds were issued. XXXX has confirmed that it formally responded to Bank of America on XX/XX/XXXX with documentation related to these refunds. Bank of America acknowledges there is an open claim, but despite the merchants response being submitted weeks ago, the funds have not been credited and the investigation remains unresolved. I have received no clear explanation or timeline for resolution, and the funds remain missing. I am requesting confirmation that the merchants response was properly reviewed and prompt crediting of the refunded amount.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
I was referred to coinbase by a friend, and I signed up with incentive, which was to gain {$30.00} via the refer, a friend reward program. I was under the impression that if I create a transaction of XXXX XXXX  or more of cryptocurrency that I would qualify for this incentive. I made this transaction after making XXXX or XXXX other transactions which weren't {$20.00} because they limit my transactions to {$5.00} per payment method first of all, so whenever I called in to verify my eligibility for this promotion, I was told I did not qualify because the wording says that prior to receiving this incentive, I must make this {$20.00} purchase and they told me that prior means FIRST, that it has to be the FIRST transaction. However, there is no clear wording that says that the first transaction has to be the qualifying purchase. Following this, they refused to escalate the situation and would not let me speak with the supervisor. A couple of days later, I decided to submit a formal complaint and I went on the website and I read that in order to submit a formal complaint, there has to be a case associated with it. Now in order to submit the complaint, the case needs to be closed and I had XXXX cases that were all left open. So I called in to have the cases closed so i could submit a formal complaint, and I was informed that he did not have the power to close the case, therefore I could not submit a formal complaint. I tried to get a number for the representatives who had the power to close the case and he was unable to provide me this information. The incentive is clearly stated and I definitely qualified with the transaction that I made, but I was denied due to multiple excuses that we're not legitimate. The fact that they are withholding this is misleading and that the fact that I can't submit complaint is also very unprofessional. And i'm very upset about the fact that I am not able communicate with the the company in the way that I have rights to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I would lock my card so unauthorized transactions didn't come out. And they still came out of my account

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 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am filing a complaint regarding improper mortgage servicing by Freedom Mortgage related to erroneous lender-placed insurance XXXX XXXX XXXX and improper escrow charges. 

There was no lapse in my homeowners insurance coverage at any time. 
Replacement insurance was obtained without any XXXX. Despite this, Freedom Mortgage incorrectly treated my account as having an insurance lapse and took the following actions. 

Timeline of the error ( with transaction codes ) XX/XX/XXXX Freedom Mortgage disbursed {$1900.00} for homeowners insurance from my loan account : Transaction code : XXXX  This payment was made even though valid insurance coverage existed. 

XX/XX/XXXX Freedom Mortgage charged an additional {$200.00} for lender-placed insurance : Transaction code : XXXX XXXX XXXX This charge was also improper, as there was no insurance lapse. 

XX/XX/XXXX Freedom Mortgage opened an escrow account retroactively and conducted an escrow analysis. 
The analysis showed an escrow shortage of {$1900.00}, entirely caused by the erroneous insurance disbursement. 

Escrow Account Disclosure Statement ( dated XX/XX/XXXX ) Escrow shortage : {$1900.00} Shortage spread over 12 months Monthly escrow shortage charge : {$160.00} Resulting payment change Original monthly payment : {$1700.00} New monthly payment : {$1800.00} Increase : {$160.00} per month, solely due to the escrow shortage Attempts to resolve directly with the servicer : I contacted Freedom Mortgage by phone at least XXXX times between XX/XX/XXXX and XX/XX/XXXX. 

During these calls, representatives repeatedly acknowledged that : there was no actual gap in insurance coverage, and the lender-placed insurance and escrow should be removed. 

I was repeatedly told that corrections would be made and that I would receive written confirmation via e-mail. 
No written confirmation was ever sent, and no corrections were made. 

Due to Freedom Mortgages failure to correct its servicing error : I am being charged {$160.00} every month for an escrow shortage caused solely by the servicers mistake. My mortgage payment increased from {$1700.00} to {$1800.00} My account shows escrow activity and insurance charges that should not exist. I have spent significant time attempting to resolve this directly with no result. I am continuing to pay under protest solely to avoid late fees and damage to my 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 explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
{$600.00} wrong date. This is not the original creditor. The original creditor is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: OK

Complaint narrative:
On XX/XX/XXXX, I was notified via text by Chase about fraudulent activity. There were multiple XXXX charges. The text said it was a total of {$210.00}, however when I went to my statements, the charges exceeded that. There were XXXX XXXX transactions : XXXX ) {$53.00}, XXXX ) {$65.00}, XXXX ) {$100.00}, and XXXX ) XXXX. The text message asked me to respond with YES if they were my transactions, or NO if they werent so I texted back NO ; the automated text back assured me that I will be receiving a new card. I planned at the time to give Chase the benefit of the doubt to just credit me back all XXXX uber charges ( all done on the same day ) even though the text was a different amount. On XX/XX/XXXX I noticed they credited me back only XXXX uber charges, not the {$100.00} transaction, so I called the chase fraud department to correct this. The person who assisted me assured me that it was resolved and I would be expecting a credit back. On XX/XX/XXXX I noticed, again, that I was still not credited back for this {$100.00} XXXX transaction so I called again. AGAIN the representative assured me that it is resolved and I should see the credit in XXXX business days. It is now XX/XX/XXXX and I have not received a credit back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
XX/XX/year> Robinhood has restricted my brokerage account and limited me to email-only support. I am currently unable to access my account and/or funds. I have already escalated this issue directly with Robinhood and complied with all verification requests that were presented to me ; however, I have not received a clear explanation for the restriction, a resolution, or a timeline for restoring access. 

Robinhood has not provided meaningful assistance beyond generic email responses, and phone support has not been made available. I am requesting assistance in obtaining a clear written explanation for the restriction, confirmation that all required information has been provided, and either restoration of full account access or a specific timeline for resolution. 

Email on that account was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: GA

Complaint narrative:
I opened a personal checking account at Synovus Bank on XX/XX/XXXX. The account has been in good standing since that time always having a positive balance. I deposited a {$1000.00} check from my mother written from her XXXX XXXXXXXX XXXX account via XXXX ATM on XX/XX/XXXX which received an excessive Regulation CC non-compliant hold by Synovus Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I brought a finance vehicle in XX/XX/XXXX. Westlake finance my vehicle with XXXX dolars and even ive been paying every month until now XX/XX/XXXX I still owe them {$11000.00} It's just crazy. Every month I make payments of {$460.00} XXXX  and the amount i owe the bank is being almost the same since I got the vehicle. Can someone help me out on this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX  on or about XX/XX/2023. 

After the transfer, XXXX relied on an incorrect and unexplained escrow balance that originated prior to the transfer and was never properly validated. XXXX statements showed a large negative escrow balance and unexplained escrow debits, which caused inflated amounts due and claims of delinquency. 

Beginning in XX/XX/2023, XXXX sent multiple written notices stating that it was a debt collector and demanded payment amounts that included escrow advances and arrearages I disputed in writing. I requested a complete escrow history, payment history, and application of payments through written disputes and certified letters. 

Despite receiving my written requests, XXXX failed to provide a complete and accurate accounting. Instead, XXXX continued collection activity and sent delinquency notices, default notices, and a notice of intent to foreclose based on the disputed and unverified escrow balances. 

XXXX statements also contained inconsistent escrow figures and total amounts due from month to month without explanation. These issues prevented me from understanding the true status of my loan and escrow account. 

I am requesting review of XXXX  mortgage servicing practices, escrow calculations, debt collection activity, and failure to properly respond to written disputes and requests for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation