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

Complaint narrative:
I am filing this complaint because Cash App has repeatedly mishandled my dispute, provided contradictory information, and refused to refund the full amount I was approved for. Despite multiple written confirmations from Cash App XXXX stating that my claim was approved and that the full amount was under investigation, I only received a partial refund. Cash App has refused to explain why the remaining {$660.00} was withheld. 

Timeline of Events : I filed a dispute with Cash App for a transaction totaling $ [ XXXX ]. 
Cash App XXXX emailed me multiple times confirming that my claim was approved and that the full amount was still being investigated. 
On [ XX/XX/year> ], Cash App issued only a partial refund of $ [ XXXX ], leaving {$660.00} unpaid. 
When I questioned the discrepancy, Cash App changed its explanation and reworded previous statements, contradicting the written approvals I had already received. 
I am now unable to open a new case because the transaction is past the XXXXday window, leaving me without any internal path to resolution. 
I have filed multiple complaints due to Cash Apps ongoing refusal to provide a clear explanation or release the remaining funds. 


Current Issue : Cash App has not refunded the remaining {$660.00}, despite confirming in writing that I was approved for the full refund. Their communication has been inconsistent, misleading, and contradictory. I have retained all emails, screenshots, and timelines showing the approval, the partial refund, and the conflicting explanations.

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

Complaint narrative:
Capital One is holding my paycheck on the day I am supposed to be paid. I was informed this is due to a tax issue related to the holiday, which is confusing, as other banks are releasing direct deposits today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I am the owner of a business platform reporting a Fraudulent Credit being sent to a Chase account. XXXX XXXX XXXX keys were compromised, and {$5000.00} is being siphoned to an account at your institution. 

Transaction Details : Recipient Account : Last four digits XXXX Routing Number : XXXX Amount : {$5000.00} XXXX  Expected Settlement : Monday, XX/XX/2025 Originating Platform : XXXX  Requested Action : Please flag this account for Money Laundering / Fraudulent Receipt of Funds. I am reporting this as an Unauthorized ACH Entry. I do not have the full account number as I am the victim of the theft, but I have provided the Routing and Last 4. 

XXXX XXXX CHASE Bank XXXX XXXX Type Bank account Created XX/XX/2025, XXXX XXXX  Origin United States Fingerprint XXXX Routing number XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline Payout completed XX/XX/2025 Cant find your payout? Banks can take up to 5 business days to process payouts. Wait until XX/XX/XXXX and then contact your bank. 
Payout in transit XX/XX/2025 Payout initiated manually XX/XX/2025, XXXX XXXX Payout completed XX/XX/2025 Payout ID XXXX Internal note No description Delivery method Instant Statement descriptor XXXX Reversed by XXXX Payout trace ID XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Timeline XXXX  could not process this payout. Please contact us at XXXX  support to learn more. 
Withdrawal failed XX/XX/2025 Withdrawal in transit XXXX XXXX XXXX XXXX Withdrawal initiated XX/XX/2025, XXXX XXXX  Details View receipt Payout ID XXXX Internal note No description Delivery method Standard Statement descriptor XXXX Original payout XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
SPRING is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX i noticed XXXX unauthorized transactions being transferred out of my account to a XXXX. I do not own any Mastercards. The amount was a total of XXXX ( {$550.00} ) each transferred once at a time.The person who transferred my funds out my savings account with XXXX XXXX  ( Chime ) did so by hacking my XXXX account and linking there XXXX XXXX cell phone which was discovered in state of Florida. This person hacked my bank account without my knowledge and transferred funds directly to there account. I have no Mastercards nor do i own a XXXX phone. My current cell phone is an iphone XXXX i called Chime bank customer service XXXX different times to file a dispute however they are not looking into my issue and sending my funds back to my account. They are not allowing to really investigate and verify who the XXXX owner is and who is the owner of the XXXX phone. I send proof that my account was hacked by criminals and Chime has failed to get to the bottom of this matter. I would like to Chime to be investigated because I believe someone in there department stoles my money out my account. I filed a police report as well as a IDENTITY THEFT REPORT for my XXXX to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
Dear to whom it may concern, For context, I am based in XXXX and the bank I would that to make a complaint about is the Bank of New York Mellon ( US Branch ). 

More than a month ago, I made XXXX transfers for my university ( XXXX XXXX XXXX XXXX XXXX ) deposit. The first one was not successful and the second one was successful. 

Description of the first transaction are as follows : I transferred XXXX  to XXXX. However, I should have transferred the amount over in XXXX ( which was the currency quoted by the school ), and since then I have not gotten my fund back from the incorrect payment made. 

I have contacted the school, payment company ( XXXX ), and XXXX ( my local bank in XXXX ) to ask where my funds are and what can be done to retrieve it. Both the school and XXXX said that the money is not with them and they can not do anything to retrieve it ( or even contacting XXXX ) as it is not in their account. 

I contacted XXXX to issue a recall of funds from XXXX but XXXX has not gotten back to XXXX even after XXXX weeks, and XXXX said there is nothing they can do the expedite the process if XXXX does not reply. Also to note, that I have been calling XXXX every XXXX working days for the past month. 

Transaction Details : XXXX : XXXX Date of Transfer : XXXX XX/XX/year> Amount in XXXX  : XXXX Bank name Transferred : XXXX  Beneficiary Bank : Bank of New York Mellon SWIFT code XXXX XXXX XXXX Invoice Reference Number : XXXX Attached are the transaction proof of the AUD successfully transferred out from my bank to XXXX, and the payment instructions from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: NCB Management Services Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: VA

Complaint narrative:
PayPal has deactivated my account stating that they found some suspicious activity. 
I want my account to be active as theres nothing such thing happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
I am filing a complaint against Ford Motor Credit regarding inaccurate and misleading credit reporting connected to my auto lease. 

The vehicle I leased was subject to a manufacturer recall that Ford was unable to repair. Because the vehicle could not be safely driven or exchanged for XXXX of equal value, Ford Motor Credit and I mutually agreed to return the vehicle early. I was specifically told this return would not result in any negative credit reporting because the recall and inability to repair were outside of my control. 

However, Ford Motor Credit is now reporting the account as : XX/XX/XXXXdays late ( XX/XX/year>2025 ) Charged off from XXXX through XX/XX/year>2025 {$15000.00} written off and past due This reporting is factually incorrect and violates the FCRA requirement that furnishers report accurate and non-misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I received several text messages like the one below. I don't have an account with this company. 

Visit https : XXXX or call XXXX to take advantage of payment options on your outstanding balance of {$670.00} for your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX 

Pay : - {$130.00} in up to 4 monthly payments. 80 % off, that's a savings of {$540.00}! 
- Payments as low as {$50.00} - {$670.00} in up to XXXX payments - XXXX time payment of {$670.00} This text is from Halsted Financial, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX XXXX charged my card {$8.00} XXXX and something dollars. On XX/XX/XXXX XXXX had a transaction for over {$28.00} XXXX dollars. The money was not in my account, which works by debit card only. Because Chime allowed this transaction even though it should have declined it because I didn't have that kind of money in my account. Now, I'm negative over {$28.00} dollars and I received my kids social security check and it was taken because of this XXXX allowed by Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX Ive mistakenly made two XXXX XXXX XXXX payments of XXXX right after each other I called XXXX XXXX XXXX for both refunds only XXXX payment of XXXX was refunded to me I called XXXX XXXX XXXX I was told they released the other {$160.00} to chime then I was given a date XX/XX/XXXX my money should be posted XXXX money never posted Ive been contacting chime several times since XX/XX/XXXX including today which is XX/XX/XXXX about releasing my funds Ive been getting the run arounds about my money Ive disputed it they closed it without settlement I had it reopened still nothing has happened I even updated my dispute after its being reopened still not hearing nothing back and today as talking with chime agents still nothing chime keep telling me about only XXXX refund but not explaining too me about my second refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
On XXXX of XXXX, I lost my phone and wallet and transactions were done when I didnt have my device so I was not able to track any of the transactions that were done. When I reported the transactions, Cash app, suspended my account and denied my claims. I provided a police report and yet that was not enough. Because my account was suspended I cant give you my account number but I do have my cashtag XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding unfair and misleading loan servicing practices by Uprova Credit , LLC. 

Since XX/XX/year>, I have made numerous good-faith payments toward my installment loan, including multiple partial payments totaling several XXXX dollars. Despite this, Uprova has applied virtually all payments to interest only, with {$0.00} applied to principal, and my balance continues to increase. I borrowed {$1000.00}. Since origination, I have made {$420.00} in successful payments, all of which were accepted by the lender. According to the lenders own account records, {$0.00} of these payments were applied to principal, with 100 % applied to interest, despite the frequency and consistency of my payments. 

As a result, after paying more than 40 % of the amount borrowed, my principal balance has not decreased, and my total balance has increased beyond the original loan amount. This outcome was not reasonably explained to me at the time payments were made, nor was I provided with a clear written disclosure of how partial or recurring payments would be applied in practice. 

I believe this payment allocation and servicing approach is unfair, misleading, and inconsistent with reasonable consumer expectations, particularly given my repeated good-faith efforts to resolve the account and request alternative payment arrangements in writing. 

Several scheduled debits were returned, after which interest continued to accrue and my account was marked past due without meaningful written explanation or alternative repayment options. I repeatedly requested a payment arrangement or settlement in writing and was told only to call, with no substantive written response provided. 

I believe Uprovas payment allocation practices, refusal to communicate in writing, and handling of partial payments constitute unfair and misleading servicing practices. I am requesting a full accounting of payment application, reconsideration of how payments were applied, and written repayment or settlement options.

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 2026-01-01 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: IL

Complaint narrative:
I have maintained an active PayPal account in good standing for regular personal and business transactions. On or around XX/XX/year> PayPal placed a limitation on my account without prior notice, preventing me from accessing, transferring, or using the funds in my PayPal balance. 

I have reached out to PayPal multiple times through their customer support channels, requesting clarification on the reason for the limitation, the specific policy or activity involved, and the steps needed to restore access to my account and funds. PayPal has only provided generic responses citing internal reviews or policy considerations, without identifying a specific issue, violation, or resolution path.

I have complied with all verification requests made by PayPal. Nevertheless, my account remains restricted and my funds inaccessible, with no clear explanation or timeline for resolution. This lack of transparency and ongoing inability to access my funds has caused financial disruption. 

I am submitting this complaint to request a clear explanation, a proper review, and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/XXXX I placed a rather large grocery order on instacart and never recieved the groceries I ordered. I sent my bank clear proof and factual statements about what happened to show proof of what happened .there was no communication between me and the delivery driver for him to gain entrance to my gated community and no proof of delivery ie Picture of drop off location to show where my order was left. I sent proof to my bank of the merchant apologizing for not delivering my order and when I called the delivery driver he didnt speak English to even communicate properly about my order. I've sent over documentation to my bank of communication between me and the merchant of them telling me to withdraw the dispute filed with my bank so they can refund me and then when my bank decided to favor the merchant and close the dispute the merchant went back on their word to refund me. I've filed complaints with the bbb as well and filed a police report over the incident. I wouldn't bw fighting so hard if I didnt have a reason to. I genuinely feel like my bank didnt do their due diligence for me as their long time customer. I was about to switch my direct deposit to this account and this really made me rethink everything. I've sent proof of tbe merchant lying to me about the resolution on this & being deceptive. And really don't feel like the bank took this seriously or looked at the actual evidence and what I was saying

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I applied the card on XX/XX/year> with the in-branch offer XXXX points XXXX XXXX travel credit. The branch XXXX XXXX XXXX at Chase XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX confirmed the offer and we together saw the offer as I attached. 

After I received the card and met the spending requirement, I received the XXXX points with no issue. However, until today I still haven't received the XXXX travel credit. 

When I call Chase customer service, they said I am not eligible for the {$300.00} credit because the offer was only XXXX points. 

I urge Chase to investigate this issue and give me the confirmation of the {$300.00} travel credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: National Healthcare Collections, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
Hello XXXX, We have received your correspondence, were in process of obtaining the supporting documents youve requested, if you would like to also discuss this matter further before receiving those documents as it may take time to process, please feel free to contact our office at XXXX and a representative will be able to assist you. Our hours are XXXX XXXX XXXX XXXX Monday-Friday . 

Kindly, This communication is from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose XXXX XXXX  Ops Administrator XXXX Credit Logo.png XXXX

Company response to consumer: Closed with explanation