vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Newport Intermediate Inc.
State: AL

Complaint narrative:
I am filing a complaint against Onbe for improper denial of reimbursement for unauthorized debit card transactions, in violation of * * Regulation E ( 12 CFR Part 1005 ) * *.

The unauthorized transactions began in XXXX and continued through XX/XX/XXXX, totaling over {$2700.00}. I reported the unauthorized activity by submitting the * * Onbe Declaration of Fraudulent Use form on XX/XX/XXXX, which is within the 60-day notification period of the majority of these transactions required under Regulation E 1005.6 ( b ) based on the first periodic statement reflecting the unauthorized transfers.

Despite timely notice and clear evidence of fraud, Onbe denied my claims. Many of the unauthorized transactions were processed through XXXX and XXXX Eats. I do not have an active XXXX or XXXX XXXX  account, which the merchant can independently confirm. 

Under Regulation E 1005.11, Onbe is required to conduct a reasonable investigation, which includes reviewing merchant data and verifying transaction details with the merchant. Onbe failed to reasonably investigate by denying the claim without confirming with XXXX where and how the transactions occurred. 

I am prepared to provide geolocation and device-tracking data demonstrating that I was not present at the locations associated with these transactions and did not authorize them. 

Onbes continued refusal to reimburse these unauthorized transactions constitutes non-compliance with federal law. I have retained legal counsel and am seeking CFPB intervention to compel reimbursement and ensure compliance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Bull City Financial Solutions , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX Re : Request for Debt Validation To Whom It May Concern : I am writing in response to a collection notice received. This is a request for validation of the alleged debt referenced in your communication.

Under the Fair Debt Collection Practices Act, I request that you provide written verification of the debt, including : The original creditors name, The amount of the debt, Proof that you are authorized to collect on this debt. 

Please cease all collection activitiesincluding reporting to credit bureausuntil you have provided validation as required by law. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
My US Citi bank account was terminated suddenly by the bank without prior notice. I realized that when I was opening my Citi mobile App and it had a reference code XXXX and to call customer service.When I contacted customer service to ask for the reason, I was told that the explanation would be provided by mail only, sent to the address on file, which is outside the United States.

I asked whether the explanation could be sent to an alternative address, as I am currently outside the U.S. The representative stated that the request would be noted but could not guarantee which address would be used.

I also asked about the return of my remaining funds. I was informed that : My funds would be returned by mailed check The estimated timeframe would be 3060 days No approximate issuance date could be provided No confirmation of the amount could be provided No reference or case number could be shared I was told that access to my account was fully blocked, making it impossible for me to verify my own balance or transaction history. I was unable to obtain confirmation of how much money is being held or when it will be released. 

This is particularly concerning because I previously had multiple investigations related to fraudulent card charges, all of which were resolved in my favor. Shortly after these investigations were completed, the account was closed without explanation. 

I am currently outside the United States, and the bank has not clarified : When the check will be issued or mailed Which address will be used Whether the check can be deposited or cashed internationally Why an electronic transfer was not offered instead of a check As of today, my funds remain inaccessible, with no confirmed amount, no confirmed delivery method, and no clear timeline.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX was stolen and used to buy bitcoins from my bank account through cash-app. Cashapp as well as my bank did there own investigations with both companies there were two different results. My bank refunded me the XXXX from there investigation, cashapp basically said o was the one who did it which isn't true so they decided to add a negative balance to my cashapp account due to my bank replacing the XXXX. I don't think this is fair they're basically wanting me to pay them back from someone Stealing from me from there platform. Weeks later they tried to get another XXXX they did a test of {$1.00} and then {$500.00} on XX/XX/XXXX. I have contact cashapp many times trying to get to the bottom. I have gotten rude representatives, and I can't speak to a supervisor it seems I'm not getting any where regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
Account was sent to a lawyer ( XXXX XXXX, and filed with the XXXX XXXX XXXX in XXXX of XXXX. Payment plan was agreed upon that month in the attached file ( Agreement ). All payments were made accordingly to the agreement, and was paid in full ( Paid in Full letter ). On Opp Loans dashboard when I log into my account, it is still showing that I owe on the account, when the account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have filed a complaint with XXXX for Identity theft. My account was XXXX XXXX affidavit account data breach Bankruptcy error log in ID theft report from credit bureau. I have sent the XXXX account in with a XXXX affidavit arbitration in litigation of settlement. I have a retainer agreement that was forged with a account data breach. I have a data breach with XXXX XXXX XXXX XXXX scan with XXXX  XXXX. My XXXX was exposed to ransomware attack. I have lost my account with my data breach exposed to the claims settlement administrator for a account ID theft. I placed a fraud alert with my credit bureau.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
To Whom It May Concern, I am requesting that you immediately cease and desist all communication with me, including but not limited to email, phone calls, letters, or any electronic contact.

This request is made pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act.

Any further contact from your company after receipt of this notice will be documented as a willful violation of federal law and may result in complaints filed with the CFPB, FTC, and my State Attorney General, as well as potential legal action.

This notice is not an acknowledgment of any debt, nor is it permission to contact me further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding my mortgage servicer, Mr. Cooper, related to unreasonable delays, repeated documentation requests, excessive fees, and resulting credit harm during a loss mitigation review. 

In or around XXXX, I contacted Mr. Cooper seeking assistance for a temporary hardship I requested to move 2 or 3 payments to the back of the loan. I was advised by the servicer that I would need to be at least 60 days delinquent in order to qualify for any assistance. Relying on this guidance, I became delinquent. 

Since that time, my loss mitigation application has been repeatedly delayed. I have been required to resubmit complete financial documentation multiple times due to servicer delays and file expiration. Each time documents were submitted, additional and duplicative requests were made, preventing timely resolution. 

During this process, Mr. Cooper charged over {$400.00} in fees while my application was pending. The delays and repeated document requests were not caused by me and resulted in unnecessary costs and negative credit reporting. 

Additionally, the servicer repeatedly requested rental income documentation for a property that is not income-producing. I provided clarification that the property is vacant, listed for rent, and does not generate income to me. Despite this, the requests continued, further delaying my review. 

As a result of the servicers actions, my credit has been negatively impacted, and the loss mitigation process has become unreasonably burdensome and ineffective a far cry from the original statement of " once you become 60 days delinquent and this shows on your credit we can provide assistance ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Dear SoFi Customer Support, I am writing to formally dispute atm withdrawals transaction that posted to my bank account, which I did not authorize. However the bank account is now closed. Please find the relevant details below : SOFI Account Details Account Number : XXXX Transaction Details : Merchant Name : Multiple Transaction Date : Total Amount : {$4300.00} This transactions are unauthorized, and I did not approve, initiate, or recognize these withdrawals. I do not have the debit card and I did not share the pin with anyone. Theres evidence on the bank account statement that Ive made a transaction in XXXX, XXXX on XX/XX/2025 [ XXXX XXXX Transaction ID : XXXX ] and on the very next day these atm withdrawals occurred on XX/XX/2025. I am in a different country for work purposes and I am not the one who made these withdrawals. 

Thank you for your urgent attention to this matter. Please confirm receipt of this complaint and provide an expected timeline for the resolution of this issue. 
Sincerely, XXXX XXXX. 

SOFI Account Details Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I am filing a complaint against XXXX  XXXX XXXX XXXX for blocking my crypto transfer and providing unresponsive, repetitive support that has prevented me from accessing my own assets. 

In XX/XX/year>, I invested {$20000.00} in cryptocurrency on the XXXX  XXXX. In late XXXX, I attempted to transfer the crypto to my personal cold storage wallet. My account uses multiple authenticators and identity checks for transactions. 

XXXX  blocked the transfer without a clear reason. I opened a support ticket ( Ticket ID : XXXX ) and complied with all requests, including proof of identity, my drivers license, and proof of wealth/source of funds. XXXX  support then said I would be able to transfer. 

When I tried again, the transfer was blocked a second time with no explanation. I opened another ticket ( Ticket ID : XXXX ) and received the same automated identity-verification requests and generic responses, despite the prior ticket and approval. 

XXXX  then stopped responding for about XXXX weeks and has only resumed with automated we are investigating messages, without explaining the hold, what specific steps are required to remove it, or providing any timeline. 

I am not refusing XXXX have already completed it multiple times. I want XXXX  to immediately lift the transfer restriction and allow withdrawal to my cold wallet, or provide a written, specific reason for the hold with exact requirements and a firm resolution date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, at XXXX PM, I contacted American Express to dispute a {$100.00} charge from the online merchant website XXXX I made the purchase on XX/XX/year>. The American Express representative stated they would not dispute the charge because I authorized the transaction, and it was complete. I disagreed, noting this was my first purchase from this site. After not receiving tracking information, I reviewed the website and found several red flags, including incorrect grammar, no contact information, no reviews, and conflicting location details ( website lists XXXX, XXXX lists XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I'm writing to file a complaint regarding my leased vehicle and the overpayment issue following an accident. On XX/XX/year>, I was involved in an accident where my vehicle was totaled and towed away at the scene. The vehicle was leased with Hyundai Finance, and the insurance company of the party at fault paid out the actual cash value ( ACV ) to the car, which amounted to {$17000.00}. The remaining balance I owed on the car was {$13000.00}. 
At the time of the accident, I had already made the XXXX payment for the lease of {$390.00}, and I also paid the XXXX payment of {$400.00} after being informed that I would be placed into cancellation status, even though I no longer had the vehicle. 
Recently, I contacted the finance institution regarding a refund and was informed i would receive {$2000.00} However, I was expecting a larger refund and have been receiving conflicting responses and unclear explanations about the matter. I have not been provided with a clear answer or a breakdown of how the refund was calculated. 
I am unsure of where my money is and have been given the runaround with no satisfactory resolution. I am requesting assistance in resolving this issue and receiving the full refund I am entitled to.

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 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Someone came was standing outside my home screaming at XXXX gave us papers with no court date nothing for a debt I know nothing about I have never used midland credit management inside the paperwork was nothing proofing I made purchases and I dont recall any of the things

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: IL

Complaint narrative:
On XX/XX/year>, my Cash App account was wrongfully closed due to potiental fraud. I use my card for monthly bills and family. When I spoke with a representative that morning, I was told an investigation would be done due to bitcoin fraud. This investigation would take up to 10 days, Moving forward, XX/XX/XXXX I recieved an email stating the account would remain deactivated. I called back stating there is no bitcoin open on my account and I would like to appeal again. They told me there is nothing else they can do and to make a new account. I made a new account on the phone and that account was immediately blocked due to the situation. I asked for proof of the investigation and I was hung up on. On XX/XX/XXXX, I recieved an alert stating my account was in the negatives. The company had took my leftover money. Ive constantly reached out since XXXX to try to get this resolved, and same effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
CurrentXXXX XXXXXXXX XXXX closed my account on XX/XX/XXXX and owes me my remaining balance by refund check of over {$400.00}. In Currents CFPB response dated XX/XX/year>, the company represented that my refund check was processed on XX/XX/year> and would be received within fourteen ( 14 ) days, plus mailing time. As of XX/XX/year>, I have still not received the check. 

My mailing address is correct and has been confirmed twice! There is no valid reason for the funds not to have been delivered within the timeline the company represented through the CFPB system. 

On XX/XX/year>, I asked Current to provide basic, standard disbursement details to verify the refund : the exact date the check was mailed, the issuing bank/vendor, and whether the check was returned or reissued. 

On XX/XX/year>, Current replied with a generic response referring me to an unrelated email and stating the account is closed. This response did not answer any of the requested disbursement questions and does not reconcile with the companys CFPB representation that a refund check was processed on XX/XX/XXXX. 

Current has failed to provide clear, verifiable proof that a check was actually mailed, and has failed to provide a consistent timeline for returning my funds. The companys communications are contradictory and obstructive, and I have been forced to chase information that should be straightforward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am filing this complaint against Synchrony Bank ( CareCredit ) for a failure to conduct a 'Reasonable Investigation ' under the Fair Credit Billing Act ( FCBA ).

Provider/Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Facts : Persistence of Dispute : I have filed three separate disputes regarding this {$1600.00} balance. In each instance, I have provided more evidence as requested by the bank, yet the bank continues to find new procedural excuses to deny a clearly documented refund.

Merchant Breach : On XX/XX/year>, the provider ( XXXX XXXX XXXX ) promised me a Full Refund ( {$1900.00} total ) in writing via email ( Attached ) after admitted failures in care, including injury to my tongue and a crown that fell off multiple times.

Inconsistent Adjudication : After Synchrony denied my initial two disputes by questioning the " format '' of my evidence, I provided a screenshot of the " live '' email for the third dispute. The bank accepted this evidence as authentic for a {$360.00} portion of the debt but is refusing to honor the remaining {$1600.00} based on the EXACT same document. It is a violation of " Reasonable Investigation '' standards to deem a document valid for one transaction but "
insufficient '' for another within the same dispute.

Merchant Misrepresentation : The bank 's most recent denial claims the merchant is 'working with me. ' This is a documented falsehood. As a trained investigator, I note the merchant has XXXX proof of outreach ( no mail, no logs, no emails ) since their refund promise. 

Violation of Law : The bank is ignoring a written contract in favor of an unverified verbal 'stall tactic ' from the merchant.

Regulatory Action : I have filed a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the injuries and professional negligence. I am not " walking away '' from this matter of principle. PLEASE NOTE I AM IN XXXX UNTIL XXXX AND DO NOT HAVE MY CREDIT CARD WITH ME. MY SOCIAL ENDS IN XXXX. MY CARE CREDIT ACCOUNT ENDS IN 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 monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, the company repossessed my XXXX XXXX XXXX. 

The company sent four separate post-repossession notices : - Two notices dated XX/XX/XXXX - One notice dated XX/XX/XXXX - One additional mailing that was a single printed payment coupon page with no letter inside All four notices were sent only by regular First-Class Mail and none included the mandatory Explanation of Calculation of Surplus or Deficiency required by Washington law ( RCW 62A.9A-616 ). 

On XX/XX/XXXX, I sent a formal demand by Certified Mail requesting immediate return of the vehicle, lien release, deletion of the repossession from my credit reports, and cash compensation for damages.

The company received the Certified Mail demand but has refused to return the vehicle or cure the violations. 

In a recorded phone call on XX/XX/XXXX, a company Escalations representative confirmed receipt of my demand but stated the repossession is valid and they would respond in writing. 

On XX/XX/XXXX, the company sent a letter falsely claiming all notices were sent in compliance with applicable state guidelines and refusing to return the vehicle or discharge the debt. 

I have been completely unemployed since XX/XX/XXXX because the XXXX was my only transportation. My lost wages are approximately {$1500.00} per month and ongoing. 

I have already filed a replevin lawsuit in XXXX XXXX XXXX XXXX and a complaint with the XXXX  Attorney General ( File # XXXX ). 

I am seeking immediate return of the vehicle, lien release, deletion of the repossession from my credit reports, account reported as Paid in Full with {$0.00} balance, and cash compensation for damages.

Company response to consumer: Closed with non-monetary relief