vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One issued a refund check to me in the amount of {$380.00} for an overpayment on my credit card account. I never received or endorsed this check. Capital One informed me the check cleared on XXXX XXXX XXXX. However, they have not been able to identify the bank where the check was deposited, provide a copy of the cleared check, confirm the endorsement, or provide a case number for the investigation. On XXXX XXXX XXXX, I spent over one hour on the phone with Capital One after two additional calls earlier the same day and prior contacts last month regarding this issue. During that call I clearly reported that I did not receive or endorse the check and requested that this be investigated as an unauthorized negotiation. The issue was escalated internally but I was told to wait until XXXX XXXX XXXX for follow-up. I also confirmed with both of my banks that this check was not deposited into any of my accounts. Because I did not receive these funds and did not endorse this check, I am requesting that Capital One retrieve the cleared check image, identify where the check was deposited, verify the endorsement, and reissue the refund if the endorsement can not be confirmed as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Harley Davidson Financial Services Inc
State: WA

Complaint narrative:
In XX/XX/XXXX, I contacted Harley-Davidson Financial Services ( HDFS ) to request a title transfer for my XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXXollowing my relocation . On XX/XX/XXXX, I received written confirmation from HDFS Rider Services via email outlining the process. They instructed me that my state 's licensing authority could submit a written request via fax, mail, or email to their Titles Department. I followed their instructions exactly and had my licensed Washington Title & Licensing office submit a formal request in XX/XX/XXXX. It is now XX/XX/XXXX over 6 months later. We received no title, no status update, and no communication from HDFS whatsoever during that entire time. Our vehicle registration has lapsed as a direct result. We can not legally operate the motorcycle despite being current on all loan payments. When I called HDFS today to escalate, they provided a completely different fax number for out-of-state title transfers than the one provided in their XX/XX/XXXX written correspondence. This means the contact information they gave me in writing was incorrect, and the XX/XX/XXXX request submitted by our licensing office may have gone to the wrong department entirely. At no point did HDFS proactively contact us to advise that the request was sent to the wrong number or that any additional action was needed. I also sent a formal escalation email to their Titles Department on XX/XX/XXXX documenting the full timeline and requesting resolution within 5 business days. The core issues are : ( 1 ) HDFS provided incorrect contact information in writing, ( 2 ) they took no action for over 6 months without any communication, and ( 3 ) their failure has resulted in lapsed vehicle registration and inability to legally operate a vehicle on which I continue to make loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by Bank of America. This complaint supersedes CFPB Case No. XXXX, which was closed without substantive review of the Bank Secrecy Act ( BSA ) and Consent Order compliance issues raised herein. New evidence includes : ( 1 ) OCC inquiry to Bank of America ( XX/XX/XXXX ) ; ( 2 ) recorded admission that XXXX XXXX was " banned by Social Security Number '' post-loss ; ( 3 ) OCC Consent Order XXXX adjudicating systemic deficiencies. Statement of Facts In early XXXX, Bank of America processed {$30000.00} in transfers from my account to XXXX XXXX / XXXX XXXX XXXX, a publicly documented fraudster ( SEC Litigation Release No. XXXX ). On a recorded call, a Bank of America Fraud Department representative admitted that XXXX XXXX was subsequently " banned by Social Security Number '' to prevent further fraud. This confirms the bank had the technical capacity and knowledge to identify and block XXXX as a threat but failed to do so before my loss occurred. The Timing Proves Violation Either Way If the SSN ban was before my transfers ( XXXX XXXX ) : Bank of Americas transaction monitoring failed to block a blacklisted recipient, violating OCC Consent Order Article II, Section 4 ( systemic failure to ensure appropriate thresholds ). If the SSN ban was after my transfers : The bank failed to risk-rate a publicly-documented fraudster ( SEC XXXX ; Bankruptcy XXXX ) until a victim reported him, violating 31 C.F.R. 1010.230 ( CDD ) and Consent Order Article II, Section 5. Either scenario proves systemic regulatory violations that caused my loss. UDAAP Violations ( 12 U.S.C. 5536 ) Unfair Practice : Bank of America facilitated transfers to a known fraudster due to deficient monitoring and Customer Due Diligence systems, as adjudicated in OCC Consent Order XXXX ( Article XXXX, XXXX ). My injury was not reasonably avoidable because the banks failed controls, not authorization are the root cause. Federal BSA/AML duties run to the financial system, not just the customer. Deceptive Practice : Bank of America misrepresented to the CFPB that I had not provided a police report ( XXXX XXXX Report # XXXX number was provided ) and falsely categorized a documented fraud as a private investment dispute to evade regulatory scrutiny and the mandatory Article IX Look-Back review. Abusive Practice : Bank of America took advantage of my lack of understanding regarding the recipients banned SSN status and the banks systemic monitoring failures to coerce me into signing Scam Victim Acknowledgments. This materially interfered with my ability to understand the risks and exercise my rights under UCC 4A-202, because the banks procedures were not commercially reasonable ( as adjudicated by the Consent Order ).

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding the improper denial of my dispute for a hotel charge in the amount of {$970.00}. On XXXX XXXX XXXX, I paid for a threennight hotel stay at XXXX XXXX in XXXX XXXX. Although the reservation was under my partners name, I paid for the stay using my debit card and am the financially responsible party. Due to the airline losing my luggage upon arrival, I was unable to reasonably use or enjoy the hotel stay. As a result, we checked out early on XXXX XXXX XXXX, after only one night. I attempted to resolve this directly with the hotel. In multiple written communications, the hotel confirmed that a refund for the unused nights was being processed and stated that documentation had been sent to the bank. Despite these confirmations, no refund has been received. I then filed a dispute with Navy Federal Credit Union for services not rendered. However, my dispute was denied without proper consideration of the circumstances and supporting documentation provided. Additionally, I received communication from Navy Federal stating that I have the right to request documentation used in making the decision on my claim. However, when I contacted them to request this information, I was told that no documentation was available to provide. This is concerning, as I was not given a clear or transparent explanation for the denial of my dispute. I only received one night of service but was charged for three nights. There is also documented acknowledgment from the merchant that a refund was being processed, yet no refund was issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo denied my debit card dispute ( # XXXX ) despite photographic proof of merchant overcharging. On XX/XX/year> ( Thursday, XXXX ), XXXX XXXX XXXX XXXX charged my debit card {$99.00} total ( {$31.00} + {$68.00} ). Their own menu states " Weekend Dinner Only Price '' ( {$24.00}.

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 2026-04-07 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: MA

Complaint narrative:
On XX/XX/XXXX, I sent {$5000.00} via Cash App to a company called XXXX XXXX XXXX for a card reselling coaching program. The company failed to deliver the promised services and eventually cut off all communication and access to the program. The reason I did not file a dispute immediately is that XXXX XXXX XXXX had promised a full refund plus an additional {$1000.00} if I was unsatisfied, so I spent considerable time attempting to resolve it directly with them first. After those efforts failed, I contacted Cash App to open a dispute. Despite the transaction being outside their 60-day window, a Cash App representative verbally assured me during a 40-minute phone call that they would resolve the matter in my favor and that I would receive my money back. I was instructed to respond to a follow-up email from their disputes team, which I did twice on XX/XX/XXXX and XX/XX/XXXX, providing all requested information. Cash App then closed my case ( Case # XXXX ), claiming they had not received a response, despite my having responded twice and even sending screenshots as proof. When I provided those screenshots, Cash App continued sending the same copy-paste closure email and refused to reopen the case or address my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tenaglia & Hunt, PA
State: NY

Complaint narrative:
I received an Income Execution notice regarding a debt tied to XXXX XXXX XXXX. I am actively trying to resolve this matter and avoid wage garnishment. However, I have made multiple attempts to contact the law firm handling the account ( Tenaglia & Hunt, P.A. ) by phone and email with no response. I am willing and able to make a lump sum payment to settle this account immediately, but I am unable to reach anyone to resolve it. I am requesting assistance in establishing communication so I can resolve this matter before it is sent to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
During the federal student loan repayment resumption period, my loan servicer at the time, Nelnet, failed to provide adequate notice of repayment obligations due to outdated contact information on file. All correspondence was directed to a school-issued email address that I no longer have access to following my graduation. As a result, I did not receive any notifications regarding payment due dates, billing statements, or repayment resumption timelines. Despite this failure in communication, Nelnet reported negative payment history to the credit bureaus in mid-to-late 2024, causing significant damage to my credit profile. I did not receive any actionable notice of the resumed repayment requirements, and the negative marks on my credit report are a direct consequence of Nelnet 's failure to maintain accurate and current contact information for my account. I am aware that my loans have since been transferred from Nelnet to XXXX XXXX XXXX XXXX ( XXXX ) as part of the Department of Education 's servicer transition. My current contact information has been updated with XXXX and my account is in good standing. I am requesting the removal of all negative payment history reported by Nelnet during the period in question on the grounds that the derogatory marks resulted from inadequate borrower notification, not willful nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX XXXX, two transactions were made from my Chime account using the Pay Anyone feature, totaling {$150.00} and {$300.00}. I did not authorize these paymentsthey were sent under false pretenses, as I was misled into believing the transfers were for legitimate purposes. I immediately contacted Chime to dispute the charges and requested : Written confirmation of the disputed transactions Documentation showing their investigation steps and process Any account records related to the transactions Chime refused to provide any documentation in writing, stating they would handle the matter internally. They did not explain the investigation process, timeline, or criteria for resolution, leaving the dispute unresolved. Because of this, I am requesting CFPB assistance. The companys lack of transparency and refusal to provide documentation has prevented me from resolving this fraud issue directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: TX

Complaint narrative:
I noticed an unauthorized transaction of {$810.00} sent from my Cashapp balance while I was asleep. On XXXX XXXX XXXX @ XXXX. I did not authorize or approve this payment and did not share my PIN or login information with anyone. My phone, email, and phone number linked to the Cashapp account have remained in my possession and were not changed. This appears to be unauthorized access to my account. I filed a claim with Cashapp and they denied the claim and said they could not refund my money because the transaction was made from a device in my possession. I have filed an appeal and send screenshots of all my information to identify me as the account holder along with a selfie holding my drivers license. Screenshot of history with the hacker that showed no other interactions before the theft. A copy of a report filed with identitytheft.gov was also included. A device in Alabama was logged into my account in XXXX without my knowledge. I do not have connections or business in AL nor have I ever been there. I requested the amount back from the user XXXX XXXXXXXX who stole my money and I received a message they read the user can not receive or send money at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I received an offer from concora credit stating that I was approved for {$750.00} I applied and received the card I used the card I later check the balance on the card to purchase something and it was lower than I expected I called the customer service and the representative stated that the balance was lower because they had deducted {$150.00} for me receiving the card I did not understand she said In order to get the card I had to pay I to her that was never said anywhere on the offer that was sent I would not have applied I have never heard of anything like that I explained that I no longer wanted the card and would immediately send back the money when she stated that because it had already been used there was nothing she could do I asked for a supervisor who basically said the same thing then I asked about a resolution they stated they would get back to me I received a different offer for the same card but this time it had the {$150.00} charge on it I called the customer service number again and got the same information I explained again that the original offer sent did not state that and I have other credit cards that I did not pay for and would not start now its been back and forth because they did not want to refund the {$150.00} and I was not going to pay I asked about their dispute process I put in a dispute and it was not in my favor I went to the credit bureau XXXX and put in a dispute with them to no avail now the account is in collections with an amount of XXXX which is completely absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX was the date the settlement was paid in full of {$790.00} which was paid by me to get the account closed and settled. The agency denies and ignores me to get a settlement letter and remove from my credit. I contacted original company XXXX and they stated the XXXX sequium has not updated my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am submitting this complaint regarding the servicing of a Cash App Borrow loan by Block , Inc. and Square Financial Services , Inc . The issue involves the inconsistent and discretionary application of repayment practices, as well as the XXXX of funds under circumstances involving documented hardship. A loan in the amount of {$170.00} was issued through Cash App Borrow. At a later point, I received a Treasury deposit in excess of {$1000.00}. These funds were not applied to the outstanding loan balance and remained fully accessible. I used those funds without any automatic repayment being triggered. Subsequently, I received a separate deposit of {$40.00}, which was intended for emergency fuel. At the time of this deposit, I explicitly communicated to Cash App support that I was stranded and that I had experienced the death of a family member requiring immediate travel. Despite providing this information, the {$40.00} was immediately seized and applied to the loan balance. No accommodation, delay, or hardship consideration was offered, and my requests for assistance were denied. Cash App representatives stated that incoming funds are automatically applied once a loan is overdue. However, this statement is contradicted by the prior handling of the $ XXXX deposit, which was not applied. This demonstrates that repayment is not automatic, but instead applied inconsistently and at the companys discretion. This inconsistency is misleading and raises concerns regarding unfair or deceptive practices. The company had the ability to apply funds when it chose to, but did so selectively. In my case, it chose to apply funds at a time when it had actual knowledge of hardship, including that I was stranded and responding to the death of a family member. The impact of this conduct was significant. I was left without access to funds needed for transportation during a time-sensitive and emotionally distressing situation. The issue is not the dollar amount alone, but the timing, the companys knowledge of my circumstances, and the refusal to provide any accommodation. I am seeking : A formal investigation into Cash App Borrow repayment practices Clarification of how and when funds are applied to loans Remediation for the emotional and personal harm caused Assurance that hardship situations are handled appropriately going forward I have attempted to resolve this matter directly with the company, including formal written notice and a good faith opportunity to respond, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Had a XXXX issued by a company I didn't owe who bought the account from another creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have been a long time PayPal customer. I buy my crypto there and then transfer to my personal wallet. Lately I have been getting more and more transaction holds that claim to be keeping my account safe but this is after there is XXXX and they know it is me. This action causes me to be forced to sell the crypto and buy elsewhere and is causing me a lot of money in fees as PayPal charges fees to buy and sell. It seems to a scheme by PayPal to fleece people out of money. Today and last night I tried to purchase crypto using my PayPal balance. This is guaranteed money in their account and not a payment method like a credit or debit card or bank account that could take time to clear. They still are imposing the hold regardless and again Forcing me to sell and they rack up more fees. I have contacted customer service who is useless And wont help or refund the fees at all and can not explain why they keep doing this when I have been a great customer for over XXXX years, they make Up fake security holds but when websites actually stole my money and I disputed the purchases that were actually a real security violation they denied my disputes and allowed the company to get away with stealing my money. Some one needs to take action against this company as they seem to do whatever they want and get away with it.

Company response to consumer: Closed with non-monetary relief