vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: AL

Complaint narrative:
I am filing this complaint regarding Cash Apps handling of multiple disputes and the subsequent closure of my account during an active dispute process. 

I used my Cash App account for routine personal transactions, including standard consumer purchases through Cash App Pay. Several XXXX transactions posted as completed even though the services were not delivered and refunds were not issued by the merchant. I submitted disputes in good faith for services not received. I did not report unauthorized access or third-party fraud. All transactions were initiated by me. 

During the dispute process, Cash App flagged my account and later closed it, citing alleged Terms of Service or Acceptable Use violations, without providing specific details. Cash App stated that my dispute activity was potentially fraudulent or false, but did not substantively review the disputes or provide evidence supporting that conclusion. 

Importantly, my account was closed while disputes were still pending or under review. 

Cash App also stated that I failed to complete identity verification, even though I was not notified that verification was required prior to account closure. Once informed, I completed identity verification immediately. Despite this, Cash App issued automated messages reaffirming the closure without confirming whether a manual, good-faith review of my disputes or verification had occurred. 

After repeated requests, I specifically asked Cash App to confirm whether my appeal and verification had been reviewed by a human compliance team rather than an automated system. Cash App acknowledged the appeal and stated it had been routed to the appropriate team, with a review period of up to 10 days. However, I subsequently received additional automated responses restating account closure without clear confirmation of a substantive review or a reasoned dispute determination. 

As a result : My account was closed during an active dispute At least one dispute was denied without explanation on the merits I was unable to meaningfully participate in the dispute resolution process Cash App refused to provide specific reasons or documentation supporting the closure I believe this reflects a failure to conduct a fair and good-faith investigation of disputes and an improper reliance on automated decisioning to deny consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I had a tax lien for {$1700.00} last month in XXXX of XXXX On XX/XX/XXXX they took {$200.00} XX/XX/XXXX they took {$1700.00} So they have taken and sent {$200.00} more then what was required. 

Also their system has put a hold on another {$1700.00} and is not giving me access to my funds. I have spoke with chase every 2 days for the last 2 weeks and they just keep saying to call back in 2 business days. Its a glitch in the system. They are also charging me overdraft fees for funds they have withheld.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has placed my checking account under continuous fraud monitoring without explanation. Every deposited check is held approximately 7-14 days, debit card transactions repeatedly decline even for small purchases ( {$5.00} {$11.00} ), despite available funds, and its a ongoing situation for months.

I requested an investigation twice by phone, and representatives refused to open a fraud review or escalate.

This prevents access to money for basic living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Block, Inc.
State: LA

Complaint narrative:
My Cash App was hacked and money was taken from my borrow limit a total of XXXX $ and they are trying to get me to pay back XXXX XXXX I did a dispute and they declined it even though there was money taken from my bank account too and bitcoin was sold which I have never used bitcoin also my bank and cashapp declined my dispute of money taken from my bank and used cashapp In an amount of XXXX. As well as a XXXX $ XXXX XXXX charge that they declined as well that I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have been having problems with this company for months with no resolution. I have no restrictions on my account but yet all of my payments are being declined and when I ask customer service has no knowledge of the situation they just keep repeating that it's security but I don't have a timeframe or anything of whats going on with my account I have been constantly embarrassed in the store fory card declining and they have been refusing to allow me to file a complaint they have been lying saying they will file a complaint but i found out they are only taking irrelevant notes that no one else can see.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Since PNC Bank transferred my mortgage from XXXXXXXX XXXX on XX/XX/year>, I've gotten instructions to setup my access to the account through PNC 's online enrollment process. However, each time I start this process, whether through the website or via cell phone, the system has an error/firewall and I am unable to proceed with the setups to complete the setup. I either get messages saying it is " unable to process my request '' online or the telephone text passcode never comes through, or the phone call with the passcode comes in and tells me it also " can not process my request ''. 

I've called into PNC over XXXX times and spoken to several representatives ; I even asked if I would be able to do the setup by going into a local bank location to assist. I've been told that I need XXXX ) use a different browser, 2 ) use a laptop instead of a cell, 3 ) that the local bank would only call in as well, 4 ) they weren't able to process a secondary phone number that I provided as an alternative, 5 ) that they had an issue with phase 2 transfers of the XXXX mortgages and that my mortgage likely wasn't setup properly in that transfer 6 ) that they can not provide a customer complaints email since it is unavailable, but only a " feedback '' option on their website, 7 ) they have to go through a setup process with me each time I call in even though I made it abundantly clear that I've called in over 10 times to resolve the issue at that point and if THAT Specific representative can't go through the process AGAIN with me, that they can't escalate my request for IT trouble shooting. There never appears to be notes from previous calls and I always end up with no resolution to my complaint.

These are just a few of the " solutions '' I've been provided after several calls. The last call even telling me they could not send the passcode themselves after I switched numbers ( not even able to establish the second number internally ) and the representative STILL refused to escalate the account to IT after seeing it for herself that this issue is internal.

I am beyond frustrated by the handling of my account and PNC should be ashamed that this is how they are handling newly transferred mortgages. I had not had ANY issues in my previous loan with XXXX and I am inclined to believe PNC is orchestrating a dangerous setup to initiate foreclosure under false pretenses. I've been given a 60-day graces period under the law/policy and have already have PNC loan collection department calling me INSPITE of them being the ones having issues with the customer accounts. If I am unable to get this resolved in a timely manner, I have documented these instances for legal purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure 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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: LA

Complaint narrative:
I am filing this complaint against CBE Group for a violation of the FCRA. I have directly settled the debt with the original creditor XXXX XXXX  on XX/XX/2026 ( Confirmation XXXX XXXX XXXXXXXX ] ). Despite the debt being satisfied, CBE Group reported a collection to my credit file today. This is a reporting of inaccurate and misleading information. I demand an immediate DELETE of this trade line. Attached is my proof of payment and bank confirmation. I will not accept a 'Paid ' status ; the entry must be removed entirely as it no longer represents a valid debt assigned to this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Venmo Company tax my daughter XXXX XXXX .. she has no business. 
They tax her on XXXX and XXXX taxes she does not owe anything. 
Im her Mother XXXX XXXX giving her grocery money and money to help her she had new borns. 
Need help on this she owes no take this was gift and grocery. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: EGL US, LLC
State: FL

Complaint narrative:
This loan is repaid through my payroll department. XXXX payments are {$140.00} per pay period. On XX/XX/year>, my payroll department erroneously sent my entire check to XXXX ; {$140.00} plus an additional {$1900.00}. On XXXX XXXX, the representative that I spoke with acknowledged the overpayment and advised that the refund would be processed. The representative explained that the timeframe would be outside of the XXXX days that was their original policy. I understood and that. I called the company XX/XX/year>, and their automated system told me that a refund in the amount of {$1900.00} was processed. I have called every weekday since XX/XX/year> and I have not gotten any information outside of what the automated system provided. I have requested a supervisor call back on each phone call. I received a call from a supervisor, XXXX, on XX/XX/year>. She did not offer any new information, so I requested that a XXXX give me a call back. That has not happened as yet. The major concern that I have is being unable to get any information or speak with anyone with any authority. I have been getting ran around, to chase my own money that was CLEARLY a mistake. My plan for now is to stop my payroll payments until I receive my refund. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
I am submitting this complaint to report serious concerns regarding how XXXX XXXX handled the homeowners insurance they sold me, via XXXX XXXX, on my VA loan. 

More than one month after settlement ( on XX/XX/year> ), the homeowners insurance that XXXX XXXX offered and that I purchased, raised the premium, and canceled for different reason. 

On or about XX/XX/XXXX, I received an email from XXXX XXXX of XXXX XXXX stating that the insurance windstorm protection had not been received. This requirement was never discussed with me previously, and there was no XXXX XXXX To-Do item or notification indicating that action was required on my part. As a result, my insurance premium was increased. No one at XXXX XXXX took responsibility for this failure. 

The situation worsened the following Tuesday when I received an email stating that new documents were available in my XXXX XXXX portal. One of the documents was titled something to the effect of Pending Insurance Cancellation. I initially believed this related to the windstorm issue. It did not. I had to contact the insurance company myself to learn that the policy was being canceled due to the age of the roof. The age of the roof was unknown because the property came from an estate, and the heirs could not locate documentation. I emailed XXXX XXXX for assistance and was simply told to call the insurance company. XXXX XXXX provided little to no assistance and effectively disclaimed responsibility for resolving the issue. 

I later received a phone call from a XXXX XXXX representative ( name unknown ) who stated that this was not the first time this situation had occurred. This is extremely concerning. 

It appears that XXXX XXXX is originating VA loans while knowing that the insurance they arrange may later be canceled, placing veterans at financial and legal risk after closing. This is not a service to veterans and undermines the purpose of the VA loan program. 

I should also note that I tried to file a complaint with Veterans Administration Loan Guaranty, and was told this was my fault, and that I should have continually contacted the insurance company. I tried to explain that the insurance company used the underwriters making the decision, and that they have 45 days. 

This is classic finger pointing avoidance, leaving the veteran holding the bag. 
I dont know what I could of done to prevent this from happening, and it is very discouraging to be blamed for circumstances beyond my control, and expertise, is just disgusting. 

I respectfully request that you review this matter, on any VA loan servicer, including XXXX XXXX practices, to determine whether proper disclosures, insurance verification, and consumer protections are being followed. 

Thank you for your attention to this matter.

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 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
On XX/XX/year> XXXX am I received a call for XXXX XXXX claiming he is a debt collector from OneMain Financial. His phone number is XXXX. I contacted OneMain directly and they said my account is in good standing and they have no logs of an employee calling me. I did a reverse search and the report came back as Onemain not OneMain Financial. My calling ID said it was an Arizona number. OneMain Financial is in Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
XXXXIssue: Unlawful Debt Collection Harassment & Withholding of Personal Property\nCompany: Santander XXXX XXXXDescription of Events:\nI am filing this formal complaint regarding repeated violations of the Fair Debt Collection Practices Act (FDCPA) by Santander XXXX XXXX Despite my vehicle being repossessed four months ago, Santander continues to engage in the following illegal practices:\nWorkplace Harassment: Santander continues to call my fianc at her place of employment after being explicitly informed that her employer prohibits such calls.\nIllegal Call Times: I am receiving collection calls at unreasonable hours, specifically late Sunday nights, which violates FDCPA guidelines regarding "inconvenient times."\nWithholding of Property: Santander and their agent, XXXX XXXX XXXX are wrongfully withholding my personal property, including all vehicle maintenance records (stored in the glove compartment) and my State of Ohio license plates.\nFormal Notice Sent: On XXXX XXXX XXXX, I sent a formal Cease and Desist and Judgment Proof Notice to Santander XXXX XXXX  via USPS Certified Mail. Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WI

Complaint narrative:
Hello my name is XXXX XXXX. For the past several years Ive been unable to access my cashapp account which has my funds of mines on it. I was involved in an accident XX/XX/year> in which I was hospitalized and my phone was in police custody. During my tragic incident I was unable to access anyone or anything by phone. Once I was well enough I started to attempt to get my funds and was unable to access my cashapp account due to me not having that phone number. I made the account with the phone number used to verify it. My funds are sitting in the account and Im unable to access it due to me losing my phone number! Ive spoken with several representatives and completed every task I was asked. I made a new cashapp account verified it with Id me and my passport being told if I do so they would be able to transfer my balance, even after that they were still unable to. I need help and advice on what to do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

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 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a letter from Synchrony Bank ( Care Credit ) and they lowered my credit limit by more than {$800.00}. I have had this card for approximately 6 months and making my payments ( more than the minimum every month. Now they drop my credit available is now only {$61.00} instead of {$900.00}. It has already cause my credit score to drop by ( one of them ) more than XXXX points!! The reason they gave is that I dont have a house payment on my credit report! 
This is ridiculous. My husband, a US Vetran, XXXX XXXX 3 years ago. The house is now mine outright but I gave XXXX paying a mortgage of {$2400.00} for 3 years to a loan under his name! Im almost XXXX XXXX XXXX and I feel this is wrong. 
They should just write off my entire balance because this is appalling! And people can have no house payment! What kind of excuse is that? No it doesnt appear on my credit report but I still have to pay it and who doesnt want their mortgage paid off?

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Ive never received information about this account nor have gotten phone calls or mail on the amount owe which is {$1200.00} by CAINE & WEINER.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened an online checking acct with Capitol One 360 on XX/XX/XXXX and made a mobile check deposit of my payroll check XXXX. I was told 7 day hold till XX/XX/XXXX. The hold was not lifted and remains on the check until XX/XX/XXXX until they can verify the check. They said their system has triggered that the check may be returned. They first said they needed to verify employment, which they kept saying no one is answering or it didn't match the number in their system. We ask to close the account and send thr check back, they said they can't and won't release the check till XX/XX/XXXX. This feels like a scam and is a financial hardship. My bills can't be paid because their holding my payroll check and they won't return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On and around XX/XX/year>, XXXX handwritten emergency checks were written against my personal checking account held at Wells Fargo. Three of the four checks cleared ; the fourth was identified and stopped by Wells Fargos fraud department. 
At no time in the history of my account had I ever ordered checks, nor did I appear in person at any Wells Fargo branch requesting emergency checks. I did not authorize any third party to obtain checks on my behalf. 
Subsequent review revealed that the handwritten emergency checks were issued by a Wells Fargo bank teller, without my knowledge, presence, or authorization, to a third party who forged my signature and negotiated the checks. The issuing branch was located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
I reported the incident to the XXXX XXXX Police Department and filed police report Case # XXXX with XXXX XXXX XXXX ( Badge # XXXX ). Wells Fargo later credited my account for the stolen funds. No Meaningful resolution was offered regarding teller reprimand and my requests for copies of the cancelled forged checks has gone unanswered and unfulfilled by Wells Fargo. I have filed complaints with XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wells Fargo XXXX XXXX, XXXX XXXX Police Department, XXXX XXXX Police Department.

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