vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: IL

Complaint narrative:
Product Type : Prepaid CardCompany Name : Netspend CorporationIssue : Problem with a fee / Deceptive marketing and confusing disclosuresDescription of What Happened : I am filing a formal dispute against Netspend regarding its " Playcard '' Prepaid XXXX. Over a period of less than two months, Netspend charged my account {$110.00} in transaction fees. This predatory fee structure was completely obscured by confusing and deceptive packaging layouts.The outer retail packaging prominently markets a " $ XXXX Monthly Fee, '' misleading consumers into believing the card is free to maintain. Netspend uses this deceptive hook to default cardholders into a " Pay-As-You-Go '' plan that quietly extracts a devastating {$1.00} fee for every single purchase transaction. The true cost of using the card is buried in fine print on the back panel, violating the spirit of clear and conspicuous financial disclosures.When I realized my balance was being aggressively drained, I contacted Netspend customer service to dispute the {$110.00} in fees. I explained that the marketing was intentionally confusing and requested that they retroactively apply a standard monthly flat rate and credit back the difference. Netspend flatly refused to assist me or waive the predatory charges.Netspends confusing layout and refusal to remedy the situation constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). I am exercising my consumer rights to demand a full review of this account.Desired Resolution : I demand that Netspend retroactively refund the {$110.00} in confusing transaction fees back to my account balance.

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 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Money was taken from the account unexpectedly and there is a problem with the company 's investigation. My checking account was targeted by a sophisticated ACH fraud ring that began with two unauthorized XXXX micro-deposits ( {$0.00} and {$0.00} ) in XX/XX/XXXX to test account validity, followed by a series of unauthorized XXXX XXXX ACH debits that escalated dramatically through XX/XX/XXXX. WE do not own a XXXX XXXX account and never authorized these transfers. Your front-line staff is misapplying Federal Regulation E ( 12 CFR 1005.6 ). Under federal law, consumer liability is determined by the timeline relative to the first periodic statement showing the unauthorized activity, not a rolling 60 days from the date of reporting. I have zero liability for 100 % of the unauthorized transactions that occurred on my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX statements. Chase is legally required to investigate this entire sequence under 12 CFR 1005.11. Please have an executive analyst review this case immediately, open the formal dispute for the full XXXX window, and contact me exclusively via email or secure message with the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
The person I am trying to divorce, lied to get me banned from my home so he could steal it by underhanded means. His attorney has guided him step by step and paid judges. He was court ordered to pay my mortage and insurance in order to stay in my deeded home. Only my name is on the mortage and deed. XXXX XXXX had home foreclosed some years ago so he needs to steal mine. He never had any plans to pay them. I kept paying the mortgage anyway. All my mail has gone to my home because it a commerical address. Post office wouldnt let me forward my mail to a residential address. XXXX has kept all my mail on purpose. The bank had my forwarding address on file. They did not forward any pending foreclosure notices. I heard about it from someone who saw it in the newspaper. The bank attorney is friends with XXXX 's attorney, XXXX XXXX. I have email where he tells me he is contacting Arvest Banks attorney when I wouldnt give him detailed loan information that was none of their business. The bank lawyer put in the foreclosure papers that it was foreclosed on for not paying the mortgage. That is a lie. He even had the papers served to XXXX who is not on the loan becuase XXXX XXXX told him to so XXXX could claim half ownership. He wants to take it over due to this foreclosure. I bought it in XXXX for {$150000.00} with {$35000.00} down. XXXX married me to steal everything I have. I wouldnt use my property to get him a {$100000.00} loan. The bank lawyer lied. I am losing my home. I need help!! They made sure I dont have an attorney by paying off the ones I had and doing fake consults to ensure there were none that could help me. I have proof of everything I say.

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 2026-06-06 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I purchased XXXX through XXXX and used Carecredit/synchrony. XXXX XXXX has gone out of business and I did not get my full treatment. Therefore I am requesting a refund. I filed a dispute with the company and it was denied

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 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I was accepted a refund from a return merchandise I purchased from a store online called XXXX XXXX XXXX. XX/XX/XXXX My Cash App account was closed! I used XXXX XXXX with my Cash App card attached to make the purchase. The return refund amount from XXXX XXXX XXXX was XXXX that purchase was made XX/XX/XXXX. I reached out to XXXX XXXX XXXX an let them know my account was closed so I may not receive it XXXX XXXX XXXX sent email and said the refund was accepted to my account which I still have not gotten! Cash App is not returning my tickets or complaints they out of the blue closed my account because I made a dispute! This is not right I also filed a dispute with Cash App trying to get my money back I sent all my evidence from XXXX XXXX XXXX stating my refund was accepted a they can not resend!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have used XXXX for a long time, and on XX/XX/XXXX they suspended my account asking me to confirm my identity and once I did they would unlock my account, I did and nothing. The support team always says its someone elses problem, it is so stressful my rent money was sent the other day and is stuck in my account with no way to come off, I have read hundreds of of stories of people with the same thing happening

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On Friday, XX/XX/XXXX, at approximately XXXX XXXX PDT, I emailed Ally Financial regarding an attempted auto refinancing. They are demanding that I provide my co-borrower 's license, who is my estranged ex-father-in-law, with whom I am not amicable and with whom I have no contact. I have explained this numerous times to various customer service agents over the phone, and they have all avoided my problem and said the same thing : " We just need it. '' In said email, I quoted the law governing the title ( Wyoming ) and how my title is treated as an " OR '' title, which, in theory, should allow me to refinance without his consent. Refinancing pays off the loan and removes his further obligation to the loan or vehicle. Ally refuses to even acknowledge or explain WHY I need his permission, in contravention of the law governing the title. In an unnamed customer agent 's response to my email at XXXX XXXX PDT on the same date, he/she did not even address my inquiry and simply used a canned response that repeated what I had been told over the phone.

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 2026-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a Marcus by Goldman Sachs XXXX XXXX Account and made a qualifying promotional deposit on XX/XX/year>, maintaining the required " Account Balance to Maintain '' perfectly for over 90 days. On XX/XX/year> ( Day 71 of my holding period ), a separate, standard High-Yield CD that I held with Marcus matured naturally, and those funds were transferred out. Marcus is using the " Total Balance to Maintain '' clause to deny my {$750.00} bonus, claiming the CD closure dropped my platform balance. However, a naturally maturing CD is a legally completed contract. Moving funds from a naturally closed CD should not be categorized as a voluntary platform withdrawal that invalidates a separate savings promotion. The promotional savings account itself fully satisfied all terms for 96 days. I request an executive review and a manual credit of my {$750.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a XXXX card and its taken care of by Bank of America so they asked me for a survey and I did a one which is terrible terrible for every category so a person from Bank Of America called me and I asked her when are we gon na put the due date back on the credit card information in the Bank of America app. They took out the due date so that means people will forget the due date and theyll be able to charge a fee {$25.00} hour after that particular day so they said oh we dont intend to do that. I said I want to date back there because thats exactly what youre gon na do so thats the situation at hand. I want the due date for instance my next due date is XX/XX/XXXX and they remove that when you open the Bank of America app they tell you how much money you owe them, but the due date has been removed as recently as last week.

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 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I saw XXXX unauthorized transactions on XXXX of {$17.00} ( XX/XX/XXXX ), {$16.00} ( XX/XX/XXXX ), and {$2.00} ( XX/XX/XXXX ) on my Chase banking account. However, I didn't authorize the transactions because I dont have a XXXX account and didnt play the game Animals and Coins. My card is a XXXX XXXX card. On XX/XX/XXXX, I contacted XXXX to discuss these unauthorized transactions. On XX/XX/XXXX, I received a response from XXXX. The response is shown below. Hello, I'm really sorry to hear about the issue. I understand how frustrating this must be. Since XXXX manages all billing and transactions for in-app purchases, they are the best point of contact to help resolve this issue. Please reach out to XXXX XXXX to request a refund and explain the situation. XXXX XXXX has access to your purchase history and can process refunds directly. Unfortunately, we do not have the ability to manage or refund purchases made through their platform. If you need any further assistance from our end, please feel free to let us know. We're here to help. Best regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX However, my XXXX account doesnt show any XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
This complaint concerns XXXX XXXX XXXX XXXX XXXX XXXX XXXX serviced through InComm/YourRewardCard, with a total original value of {$2800.00}. The cards were issued in XX/XX/XXXX as a XXXX XXXX XXXX employee perk, and I did not use them. On XX/XX/XXXX, I tried to check/use the cards but could not access the balances or transaction histories. I called customer service and was told there were unauthorized charges across the cards. XXXX card reportedly still had about {$800.00} remaining and was frozen. XXXX opened case # XXXX for XXXX card and case # XXXX for the remaining cards. On XX/XX/XXXX, InComm emailed me a dispute form. I completed and returned the dispute packet on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. The packet listed both case numbers and included the card values, redemption documentation, and screenshots showing the cards had value before the unauthorized activity. I followed up on XX/XX/XXXX and again in XX/XX/XXXX, but did not receive a substantive update. InComm then asked me to complete the same dispute form again on XX/XX/XXXX and XX/XX/XXXX. I resent the packet. On XX/XX/XXXX, I called InComm and was told one case had been closed because they did not receive the dispute form. The agent also stated my email address had been entered incorrectly on their side. My records show the packet was sent from my correct email address in XX/XX/XXXX. I previously referred to the cards as XXXX gift cards in some communications, but clarified in writing that they are XXXX Reward Virtual Cards. The original dispute packet included the correct supporting documentation. I am requesting that InComm reopen and investigate both cases, provide the full transaction history for all five cards, refund or replace all funds lost to unauthorized transactions, and release or replace any remaining frozen balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
" I am filing a formal complaint against U.S. Bank for a mishandled fraud investigation, failure to provide proper regulatory notice, and ongoing, severe account balance discrepancies. Mishandled Fraud Reversal : I previously reported unauthorized fraudulent activity on my account. U.S. Bank issued a provisional fraud credit, but then abruptly reversed and removed the credit. A customer service representative seemingly misinterpreted a completely separate, household transaction made by my husband at a local XXXX as validation to deny the original fraud claim. The two events were entirely unrelated, and the bank failed to properly investigate the actual fraudulent charges. Violation of Regulation E Notice Requ irements : U.S. Bank revoked my provisional credit without sending me a formal letter, an adverse action notice, or any written documentation explaining what their investigation concluded or why the credit was taken back. Unexplained Balance Drops : In addition to the reversed credit, my account balances are consistently dropping without matching transaction history. For example, my starting balance of {$310.00} dropped to {$29.00} after spending only {$160.00} in trackable transactions ( leaving {$120.00} missing without a trace ). Furthermore, a larger sum of my tax money recently disappeared rapidly from my account without trackable input.

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 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
I deposited money to my Cash App account. I then was asked to send money by bitcoin to an online platform that I thought was legitimate. It was a scam. I realized I made a mistake and I requested to get a refund of a total of {$9800.00}. Cash App told ne that they do not honor refunds, but to contact my bank, in which I did. I also filed a police report too. This happened on XX/XX/year>. I would like my funds to be returned to me.

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

Complaint narrative:
Loan already settled under pslf, fraud, and hardship. It was briefly settled and then you came back and added other peoples loans to my name. I've filed complaints, filed criminal charges, and had my senator call you guys nonstop. You refused to answer the phone and gave false information. Illegally. I want this processed and settled or I will sue you. I'm not paying other people 's loans and you illegally sent me all their personal information which is now flagged by the XXXX XXXX. Process hardship and pslf forgiveness or I will sue every staff member on your payroll.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I recently discovered a collection account for {$680.00} on my credit report that I do not recognize. I am unfamiliar with the company XXXX and have no knowledge of any debt owed to this organization. I have attached documentation for the only medical account that has ever been placed in collections under my name. However, it does not correspond to the time period or dollar amount associated with the collection account being reported. If the collection account in question is related to the provider reflected in the attached documentation, there appear to be significant discrepancies that require clarification. According to my records, the collection account was reported in XX/XX/XXXX. However, my insurance company did not process and pay the claim until XX/XX/XXXX, as reflected in the attached Explanation of Benefits ( EOB ). At the time of service, I paid the required copay, which was the only patient responsibility communicated to me. It is standard practice for patients to wait until insurance adjudicates a claim and an Explanation of Benefits is issued before any remaining balance can be determined. Based on the information currently available to me, it appears possible that the account may have been referred to collections before the insurance claim was fully processed and finalized. If the provider subsequently received payment from my insurance company for the same services, the validity of this collection account would need to be carefully reviewed. However, because I can not confirm that this collection account relates to the provider referenced in my attached documentation, I am requesting verification before drawing any conclusions. My health insurance was active throughout the period in question, and the services I received were covered under my plan. If this collection account is connected to a medical claim that was paid by my insurer, there may be a billing, reporting, or administrative error that warrants further investigation. Accordingly, I request that you provide the following information : The full name of the healthcare provider The service location The dates of service A detailed description of the services rendered Documentation demonstrating that I am legally responsible for the alleged debt An itemized statement showing how the amount of {$680.00} was calculated Upon receipt of this information, I will contact my insurance carrier to verify the claim and determine whether any balance was legitimately owed. If the records show that payment was received from my insurer and the debt was nonetheless reported or pursued improperly, I will request a formal investigation with all appropriate parties. Until validation is provided, I dispute the accuracy and validity of this account and request that it be investigated accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a new XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, the following week i received an email from Wells Fargo asking me to create an account to make my first loan payment. I connected my personal non- Wells Fargo to be told on XXXX that the account was supposed due to not being able to verify my personal account thru XXXXXXXX XXXX It was strange because i never had this issue before with a bank. I reached out to Wells Fargo customer service asking why my account is suspended the rep stated that the verification was incomplete so he asked for my account and routing number which i provided to Wells Fargo several times and they told me it will take XXXX business days its been past XXXX business days and im still unable to make a payment using my non Wells Fargo account. I called today XXXX and asked a supervisor what other options do i have to pay and was told i could only do online not in person. This whole situation has been extremely frustrating as they refuse to help me or provide additional options other than trying to force me to open up an account with Wells Fargo which i made it clear i dont want a bank account with them. I contacted XXXX BANK to verify my account and routing number and to check my account for any restrictions and i was told that everything was fine with my account no restrictions or anything and also stated that they have not received a verification from Wells Fargo. I went into XXXX XXXX XXXX XXXXXXXX withdrawal XXXX and took the money i withdrew to Wells Fargo today XXXX and was able to pay my car note.

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 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
This company closed my account stating I violated their terms. I asked what terms I violated and they have not given me an answer.

Company response to consumer: Closed with explanation