vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I didnt realize someone from Cash App had got my Cash App address. They were seeping money out my account. Once I realized it I called Cash App and told them that someone took my money. They closed my account and each time I appeal it they say I did something wrong. I am a XXXX veteran and my elderly husband and I both got sick I wasnt able to handle the stress I almost lost my house when I found out I responded to the text and said give me my money back. This is on record .. i believe they do not want to be liable for the money that was stolen from me.. I dont want to use Cash App any more but I would like my money refunded by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
Im placing in a new complaint because Cash App decided to close the account still even though they did not provide any evidence nor did they help me, I have screenshots within my emails to show that they did not even try to help with the matter. I passed the information along about me being scammed and having a fraud done on me, but nowhere did they ever try to call or assist me with this matter and they took this on for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed nine card transactions to XXXX XXXXXXXX XXXX XXXX XXXX from XXXX XXXX XXXX because the merchant failed to provide the promised service and cash redemption. I purchased coins/credits with the explicit ability to redeem them for cash once requirements were met. On XX/XX/XXXX, XXXX confirmed my documents were verified and stated my redemption was processed and would reach my bank within XXXX business days, but no funds were ever received. From XXXX XXXX XXXX, they repeatedly declined my redemption requests for varying reasons, returned the funds to my gaming balance instead of paying out, and kept demanding documents they had already approved. XX/XX/XXXX - They now have denied my withdraw for the XXXX time XX/XX/XXXX - They denied withdraw for XXXX and final time As today XX/XX/year>, the website has displayed a well be back soon maintenance message. It has displayed this now for weeks confirming they are most likely " exit scamming ''. Support has stopped responding, so I no longer have access to the service or my funds. XXXX XXXX XXXXXXXX Many other people have been scammed just like me. This is not a loss or buyers remorse ; it is a clear case of goods/services not received as promised, and I am requesting a chargeback for all nine transactions under that basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: MO

Complaint narrative:
XXXX XXXX at approximately XXXX someone took {$1200.00} from my Cash App account and said that it was a payment in with I never made a payment with the person ever before nor never heard of the person Cash App keeps telling me that I made the transaction which I never did I have disputed it was denied I also appealed it and it was again denied the person name is XXXX XXXX XXXX XXXX Cash App XXXXXXXX XXXX XXXXXXXX they sent me a email saying the payment was send by using authorized lock feature

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint regarding LVNV Funding LLC and their collection reporting. This account previously appeared on my credit report and was disputed and removed. The account has now been reinserted into my credit file without proper notice. Under the Fair Credit Reporting Act, a previously deleted item can not be reinserted unless the credit reporting agency certifies its accuracy and notifies the consumer within 5 business days. I did not receive any notice of reinsertion. Additionally, I dispute the validity of this debt and have requested validation. If LVNV Funding LLC can not provide full documentation proving the debt is accurate and legally owed, this account must be removed from all credit reporting agencies. I request that this matter be investigated and that the account be deleted from my credit file if proper documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I clicked XXXX website on XXXX i thought it was official website but it wasnt He offered me lower my car insurance premium to do that I needed pay remaining month premium with credit card. As soon as I give them my credit card information I realized it was scam. Right after I called bank of america to cancel the transaction. But they told me I cant cancel the transaction eventhough it happened all in an hour They told me I have wait the transaction posted They refused to reverse transaction Its Bank of america

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/year> I went into the local Chase branch at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States to send a domestic wire. Ive done many before with my business account which doesnt charge me fees to send inside the branch. The branch manager, ( I later found out at the end of our interaction ) XXXX, was being very rude from the beginning with a short fuse. I dont know if its because I came in to do this on a Saturday XXXX minutes before closing or if she was having a bad day. But I have her my id and inserted my business debit account and told her I need to send a wire from business checking to a work partner. Instead she pulls up the docs with my personal accounts and with a wire fee as Im looking over it I noticed the fee and asked her about it saying I dont get charged for wires on my businesses account. And she said yes you do its a transaction you pay for, then I noticed she had my personal account sending it not my business and I told her, hey you have my personal account on here thats why its charging me. To which she responded with her eyes rolls and grunting saying thats a different transaction, you inserted your card, and I said yes I did like always and my business cars which only brings up business accounts, personal cards bring up bother business and personal which XXXX bankers have told me this in the past. She responds with do you work in finance or do I?? And then starts raising her voice and I was like maam why are you being rude to me for no reason? What did I do to you? Im asking you to send a wire from my business account to a colleague and I gave you my business account and I dont know what your problem is. And she responds with I dont have it in me to explain it to you I was like are you actually joking right now? Can I speak to your manager, and she raises her hand and starts mocking me and says here I am. And then flings my id and papers at me and tells me to leave the bank.. I was in shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Block, Inc.
State: FL

Complaint narrative:
On the date of XX/XX/year> I wrote a email to Cash App support to withdraw {$380.00} from Cash App because they wrongfully close my account for sending my friend {$20.00} on XX/XX/year>. Cash App did not respond nor allow me to withdraw the money I already had on my account. I decided to call them and they told me someone will reach out via email to help me retrieve my money off their app. Its been almost XXXX months since the situation and no one has reach out to help nor has Cash App provided me with an email or phone number to contact to them to get me to right department for the help I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Skopos Financial, LLC
State: OR

Complaint narrative:
From XX/XX/year> through the present, I have made numerous attempts to make payments on my loan with Reprise Financial through their online payment portal. However, their website has repeatedly failed to allow me to complete a payment. The portal either does not load properly or prevents the transaction from being completed. Additionally, Reprise Financial has not provided reasonable payment alternatives. Their online payment system does not function, and their self-service phone payment system also does not work. Even the reduced payoff option they offered can not be completed because their payment systems prevent me from making the payment. I have also attempted to contact the company by phone to resolve the issue and make a payment, but their phone system has also been nonfunctional for completing payments. Paying by money order like they pressured me, or giving a human my debit card number over the phone like they harass me constantly about, are both not reasonable options. Despite my ongoing and good-faith attempts to pay using the standard payment methods provided by the company, Reprise Financial has reported my account as delinquent to the credit bureaus. When I contacted the company about this issue, I was told that my only option was to send a money order through the mail. I do not believe it is reasonable for a lender to require a money order because their own online and phone payment systems are not functioning. This places the burden of their system failures on the consumer. I have documentation showing repeated attempts to make payment and the issues with their systems. I have also notified the company in writing that their payment systems are not functioning and that they are reporting delinquency despite my attempts to pay. I am requesting that the company provide a functional method to make payment and correct any inaccurate delinquency reporting that resulted from their inability to process payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
The vehicle was paid off in XXXX. I have not received a title from Santander as they have been giving me an excuse that does not make sense. I have a letter dated as of XX/XX/XXXX that acknowledged loan was paid off. I was a co signerbon the loan. The other party had the vehicle repossessed. I got the vehicle out and paid fees and loan. I have provided the paperwork to have the title placed in my name. The title is currently in the banks name and there should be no reason why I can not have the title. If they can not provide I would like refund as this has been a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: CO

Complaint narrative:
An individual forcibly took my phone from me, unlocked it himself, and initiated Cash App transfers without my authorization while I did not have control of the device. The transfers totaled approximately {$3500.00}. XXXX transaction was refunded ( XXXX ) but another was denied despite the same circumstances ( XXXX ). I provided the police report number and documentation showing the transfers were unauthorized and that the funds were later moved to another person. Cash App stated their decision was final even though the transfer was made without my authorization after my phone was taken from me. There is no place in Cash App to request any information based on denial. Criminal Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: TN

Complaint narrative:
I am submitting this complaint regarding the inaccurate derogatory reporting of my federal student loan accounts furnished under the authority of the * * U.S. Department of Education * * and reported by * * XXXX, XXXX, and XXXX * *. These accounts are currently being reported as delinquent or derogatory despite the fact that I was enrolled in school during the time period in which the alleged delinquency occurred. I submitted documentation verifying my enrollment status, which should have placed the loans in an in-school deferment status. Despite receiving this documentation, the furnisher responsible for reporting the account failed to update the loan status to reflect my enrollment and the credit reporting agencies failed to conduct a reasonable reinvestigation after receiving my disputes and supporting documentation. Reporting these loans as delinquent while I was actively enrolled in school is inaccurate and fails to reflect the true status of the account. The credit reporting agencies are required under the * * Fair Credit Reporting Act * * to ensure maximum possible accuracy in the information they report. They are also required to conduct a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i. By continuing to report these accounts as derogatory despite receiving documentation verifying my enrollment, the agencies have failed to meet these obligations. The inaccurate reporting of these student loan accounts has caused substantial harm to my credit profile and has resulted in the loss of credit opportunities. Because documentation verifying my enrollment has already been submitted and the derogatory reporting remains unresolved, the continued reporting of these tradelines is inaccurate and harmful. I am therefore demanding the immediate correction or deletion of the derogatory student loan tradelines from my credit reports. If these accounts can not be verified with accurate enrollment and deferment status consistent with the documentation provided, they must be removed from my credit files in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding the servicing of my mortgage by PHH Mortgage and the companys failure to meaningfully review or process my request for loss mitigation, specifically a Deed in Lieu of Foreclosure, despite repeated good-faith efforts on my part to resolve the delinquency. My mortgage loan is currently approximately XXXX months delinquent due to financial hardship. Because I am unable to bring the loan current or sustain the required payments going forward, I have attempted to address the situation responsibly and minimize losses for both myself and the lender. Over the past year I took the following steps : I listed the property for sale in good faith in an attempt to satisfy the loan through a traditional market sale. It was listed for XXXX months initially at market value, then below market value without receiving XXXX offer. I contacted PHH Mortgage multiple times to request assistance and to inquire about available loss mitigation options, including a Deed in Lieu of Foreclosure. Despite these efforts, PHH Mortgage has not provided a clear process for submitting or completing a deed-in-lieu request and has not meaningfully reviewed my situation for this loss mitigation option. On XX/XX/year>, I sent a formal written request to PHH Mortgage explaining my financial hardship and requesting that the company review and approve a Deed in Lieu of Foreclosure so that I may voluntarily convey the property and resolve the mortgage debt. In that written request I confirmed my willingness to cooperate fully, execute all necessary documentation, and transfer the property promptly in order to avoid foreclosure. My goal is to resolve this matter responsibly and cooperatively while minimizing additional costs and harm to both parties. A deed-in-lieu transaction would allow the lender to obtain title to the property without the need for foreclosure proceedings. Under the federal mortgage servicing rules implemented by the Consumer Financial Protection Bureau, borrowers experiencing financial hardship may request review for available loss mitigation options. These rules are established under the Real Estate Settlement Procedures Act and Regulation X ( 12 C.F.R. 1024.41 ). I am requesting that PHH Mortgage comply with these servicing obligations by acknowledging and reviewing my request for loss mitigation and providing clear guidance on the application process for a Deed in Lieu of Foreclosure or any other available option. At this time, I am attempting in good faith to resolve the default and avoid foreclosure. I am willing to cooperate fully with the lender and provide any information necessary to facilitate review of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Re : Formal Dispute of Unauthorized Access / Reporting of My Consumer Information To Whom It May Concern, I am writing to dispute the collection, reporting, and/or furnishing of my consumer information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate reporting and to restrict the use of my personal information without proper authorization. I am formally stating that : 1. I did not provide written consent or authorization to you, or to any entity, to access, furnish, or report my personal consumer information. 2. If any data on my credit file has been obtained, shared, or reported without my authorization, such actions may violate my rights under the FCRA. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes. If you or any furnisher are reporting information without a legally permissible purpose or without my consent where required, this information must be immediately investigated and removed. Therefore, I request the following : 1. A complete investigation into any and all entries on my credit report that may have been furnished or accessed without my express written permission. 2. Documentation of the permissible purpose relied upon for each access, inquiry, or furnishing of information on my credit file. 3. Removal of any items, inquiries, or data that can not be verified as authorized or permissible under 15 U.S.C. 1681b. 4. A written response within XXXX days, as required by the FCRA, detailing the results of your investigation. Please consider this a formal dispute under 15 U.S.C. 1681i and a request for verification of permissible purpose. I expect all inaccurate, unauthorized, or unverifiable information to be deleted promptly. I have included a copy of my identification to assist in your investigation : Government-issued ID Proof of address Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I was enrolled in the XXXX repayment plan and my loans were placed in forbearance on XXXX/2024 due to the federal court injunction. My loans were transferred to Aidvantage as my servicer without my knowledge. On XXXX XXXX, 2025, I received an email from Aidvantage stating they were missing my address and could not send me proper communications. Although I received this email, I was not aware my loans had transferred servicers and did not realize the significance of the request as I received no information about upcoming payment obligations. Despite knowing they had incomplete contact information for me, Aidvantage switched my loans back to active repayment on XX/XX/XXXX and then reported my account as 90 days late to the credit bureaus in XX/XX/XXXX, causing significant damage to my credit score. I was never properly notified that payments had resumed or that my account was past due because Aidvantage did not have my correct address on file. Upon discovering the issue I immediately made a {$1000.00} payment to bring the account current. I am requesting that Aidvantage remove the 90 day late payment from my credit report as the delinquency was a direct result of their failure to maintain accurate contact information and properly notify me of the transition back to repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I entered into a settlement agreement with my Chase credit card account to pay my balance in full for less than the original amount. I paid the agreed settlement amount in full, leaving a remaining balance of {$530.00}, which I understood to be resolved. During the settlement, a collection agency was handling my account, but once the agreement period ended, the account returned to Chase. Chase now claims I still owe {$530.00} and states they have no documentation of the settlement agreement. I made all payments according to the settlement, and it is unreasonable to assume I would intentionally leave a small balance unpaid. I request that Chase investigate this account, honor the settlement, remove or correct the {$530.00} balance, and correct any inaccurate reporting to credit bureaus..

Company response to consumer: Closed with explanation