vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the closure of my bank account and allegations of fraud related to XXXX transactions that I believe were legitimate and authorized through my account with truist On or about XX/XX/XXXX, I received four separate XXXX transactions from XXXX XXXX that were posted to my account. These transactions were later disputed by the sender. However, this was not a stranger or unauthorized sender. XXXX XXXX had previously sent me XXXX transactions on XX/XX/XXXX in the amounts of {$300.00} and {$50.00}, and we had an agreement regarding the payment of funds through text message communications. Also sent me transactions dateing all the way back to XXXX. This was a personal attack on me because i didnt want to have anymore dealings .Not fraud. I have text message records showing communication regarding these transactions, including confirmation that the payments were sent. Despite this, on XX/XX/XXXX my bank account was suddenly closed and I was informed that I was being investigated for fraud connected to the XXXX transactions. I was also told I would no longer be able to use XXXX and that my remaining funds may be mailed to me. I believe the bank acted unfairly by closing my account without warning and without first giving me an opportunity to provide evidence showing that the transactions were legitimate. At the time this occurred, I was also out of town on vacation and unexpectedly lost access to my banking services and funds. I am requesting : A full and fair review of the disputed XXXX t ransactions using the evidence and communications I can provide ; Release of any funds not legally required to be held ; A written explanation regarding the account closure and fraud determination ; Correction or removal of any inaccurate fraud designation if the investigation does not support fraud ; Confirmation of whether any negative reports were made against me related to this matter. I am willing to provide supporting documentation, including text message communications and prior transaction history showing an established pattern of transactions between myself and the sender. 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 2026-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Submitted 4 applications for a loan to purchase a car. All four applications were denied with no specific reason. It only stated that information was received from XXXX in which they made their decision to deny credit. 15 U.S.C. 1691a states that credit can not be denied for any reason. The information being reported by XXXX is inaccurate but they refuse to correct it. The furnishers supplying the information are intentionally submitting inaccurate data. A thorough investigation has not been completed to accurately verify the data submitted or prove that a debt is owed by either party. Please see the attached documents

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

Complaint narrative:
In XX/XX/year>, we visited a XXXX store to apply for a business account, 2 phones, and 1 line of service. We were initially told the application was approved, but were then informed that the business department would follow up to finalize the account. No phones, no SIM cards, no lines, and no account were ever provided. We waited several days and weeks with no follow-up from XXXX. We made multiple attempts to resolve this, including a 45-minute phone call and an in-store visit lasting approximately one and a half hours, with no resolution. On XX/XX/year>, we sent a written notice to XXXX XXXX XXXX withdrawing the application. XXXX confirmed our withdrawal in writing on XX/XX/year>, under Case ID XXXX. Despite never receiving any service, Sequium Asset Solutions is now attempting to collect {$570.00} on behalf of XXXX . No contract was ever signed, no device or service was ever activated or delivered. This debt is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
Vehicle was totaled in a collision and was covered by insurance and XXXX coverage and the balance is what was left over. I disputed with XXXX company and then sent paperwork to ALLY with no response. I do not owe this remainder balance and it needs to be removed from credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/XXXX, I was charged {$700.00} by XXXX for an annual subscription renewal to a community called XXXX XXXX XXXX, operated by XXXX XXXX ( XXXX ). I was not clearly informed this was a recurring annual subscription and did not knowingly authorize the renewal. I immediately contacted the merchant multiple times via email and direct message requesting a refund and cancellation. The merchant never responded. My account was canceled in XX/XX/XXXX, leaving me with zero access to any services covered by this charge a clear case of services not rendered. I disputed this charge with Apple Card ( Goldman Sachs ) multiple times. Despite providing evidence of merchant non-response, account cancellation, and no services rendered, Goldman Sachs has repeatedly ruled in favor of the merchant. I also submitted a formal evidence package in response to their direct request, including a formal demand letter sent to the merchant on XX/XX/XXXX with a refund deadline which the merchant ignored. Goldman Sachs has failed to properly investigate this dispute and has repeatedly sided with a merchant who collected {$700.00}, canceled my account, rendered no services, and refused all communication. I am requesting the CFPB intervene and require Goldman Sachs to resolve this dispute in my favor and make the {$700.00} temporary credit permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I have been a continuous IBR borrower for approximately 20 years making {$0.00} qualifying monthly payments. I was never enrolled in the SAVE plan. I previously consented to auto-recertification of my IBR plan . My servicer Nelnet failed to process my auto-recertification consent, as explicitly acknowledged in their XX/XX/year> letter. Nelnet then capitalized my accrued interest onto my principal balance as a consequence of their own processing failure, not any action or failure on my part. The XX/XX/year> notice gave me only 11 days to act during a period of documented nationwide student loan system chaos. Prior notices did not consistently include specific deadlines. None of the legally valid triggers for IBR interest capitalization occurred through any fault of mine. I am requesting investigation of Nelnet 's handling of my account, reversal of the improperly capitalized interest, and confirmation of my 20 year qualifying IBR payment count. I have sent a formal written dispute to Nelnet through their secure message portal and am filing concurrent complaints with the FSA Ombudsman and the Student Borrower Protection Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital Systems LLC Compliance and Disputes Department XXXX. XXXX XXXX XXXX XXXX, MN XXXX RE : Notice of Dispute and Request for Debt Validation Alleged Account Number : N/A Alleged Balance : {$11000.00} To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt listed above, which your company recently updated on my credit report on XX/XX/year>. I do not recognize this debt, nor do I have any record of an account or contractual agreement with Jefferson Capital Systems LLC. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I am exercising my right to request full validation of this alleged debt. Your company has listed itself on my credit profile as the " Original Creditor, '' which appears to be a significant and inaccurate reporting violation. Please provide the following verification documentation within thirty ( 30 ) days of receiving this notice : The legal name, address, and original account number of the actual original creditor. A complete itemized statement showing the original balance, all interest accrued, fees added, and payments made. A copy of the original signed contract or agreement showing my legally binding signature. Documented chain of assignments proving Jefferson Capital Systems LLC has legal ownership and the right to collect this specific balance. If your company fails to provide this verification within 30 days, you must immediately cease all collection activities and instruct XXXX, XXXX, and XXXX to completely delete this tradeline from my credit files. Please note that this letter is not a refusal to pay, but a formal request for information. Do not contact me by phone. All future communications regarding this matter must be conducted strictly in writing via U.S. Mail. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
I am disputing the collection account from Source Receivables Management ( Balance : {$920.00} ). The original creditor is allegedly XXXX. I have never owned or operated a XXXX account matching this balance or timeframe. This is an unauthorized/fraudulent account. Please verify the original application signature or delete this trade line immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I filed for loan discharge in XXXX, and under the Biden Admin my loans were discharged in XX/XX/XXXX. It has now been 18 months and for the past 6 months ( XX/XX/XXXX ) I have seen that my loans are discharged in XXXX account and I have seen the negative balances in my Mohela account. I have called and emailed numerous times ( too many to list ) and they keep telling me 90 days. Well, it has been 180 days and I still see the negative balances sitting on my account, with all loans paid. I would like to know the status of my refund since theyre so quick to take payment but not pay it back.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XXXX XXXX I wired XXXX dollars to my mother in XXXX. On XX/XX/XXXX, she went to pickup her money and was told the money was not available because it had already been picked up. ( I have been sending my mother every two weeks, for years, for basic necessities ) .she never picked up the money or shared the confirmation number with anyone. I filed a formal complaint with the company immediately. The next day I received an email confirming they received my complaint. I have called the company a total of 13 times and havent received an answer to what happened or a refund. Instead I feel like the costumer service representatives are completely infective and completely unable to provide any answers or help, they talk about an investigation department but cant ever transfer me to them or give me a form I can contact them. This is time consuming and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
I believe I used foul language in a cash app transaction in the note section, violating terms of service. On XX/XX/year> I filed an appeal. I use it for my direct deposit and everyday purchases and everything. I currently have XXXX dollars in the account. As they can see I use my account everyday for everyday purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
I used my chime account to buy from a XXXX XXXX store that was advertised on XXXX XXXX XXXX. When I tried to make a regular debit card payment the app would only let me use the pay anyone transfer because it was to another chime account. I contacted chimes customer service they told me that they did not refund or assist with fraud or issues when it was involving transfers. They alos informed me that they have had several complaints coneccted to this accout holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I was mailed a check for XXXX, I could deposit the check and it would activate a loan. i just loss my job and my unemployment wasn't enough I deposited the check, .here recently I logged in to my account and see a loan amount of {$1500.00} I brought to their attention store 1st I had to mail a letter to see the check they said it would take 30 days for a response I will have paid the loan off by then for fear of them putting as a late payment they are always pushing the bad credit fear so I have kept paying them I feel as if I been held for ransom

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Subject : Unreasonable ACH Clearing Delays and Request for Accelerated Transaction SettlementTo Whom It May Concern, I am filing a formal complaint regarding the processing speed and multi-day holds being applied to my standard online banking transactions, specifically external checking transfers, balance transfers, and credit card payments. As a consumer banking with USAA and XXXX XXXX, I am experiencing significant settlement delays that do not align with modern electronic banking technologies.While I understand that institutions utilize anti-fraud frameworks and batch-processing windows governed by XXXX standards, the current execution of these rules is causing unnecessary financial bottlenecks. Transactions that should clear instantly are routinely held for 3 to 5 business days, particularly when crossing between my accounts at USAA and XXXX XXXXFurthermore, balance transfers are taking up to two weeks to fully settle because of an over-reliance on physical paper check routing between legacy clearing networks.I request the following actions from your institution : Review of Security Holds : A formal review of the aggressive fraud-filtering algorithms applied to my verified, linked personal accounts to ensure everyday transfers are not falsely flagged and delayed.Expansion of Instant Settlement Rails : Rapid integration and customer-facing deployment of real-time payment networkssuch as the Federal Reserve 's FedNow systemto replace outdated , multi-day ACH batch processing for consumer checking transfers and credit card payments.Transparent Cutoff Disclosures : Immediate clarity regarding daily transaction cutoff windows so consumers can predict exactly when funds will clear without facing unexpected weekend or holiday settlement traps.American consumers require modern, secure, and above all, fast banking rails. I expect a formal response detailing the exact steps your institution is taking to eliminate these artificial clearing bottlenecks.Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
WE ARE BEHIND ON OUR MORTGAGE DUE TO HARDSHIP OF {$61000.00} APPROX. WE ARE WORKING WITH XXXX PROGRAM AND WERE APPROVED AND THE MONEY TO BRING THE MORTGAGE CURRENT AND ONITY FORMALLY PHH RETURNED THE FUNDING AND WILL NOT COMMUNICATE WITH ME ON WHY THEY WOULD DENY FUNDS TO BRING MY MORTGAGE CURRENT. WE WERE APPROVED FOR A TRIAL MODIFICATION AND WERE NOT GIVEN ANY DETAILS OF THE TRIAL MODIFICATION BUT WERE TOLD WHEN WE COMPLETED THE THREE TRIAL PAYMENTS THEN THE DETAILS OF THE MODIFICATION WOULD BE DISCLOSED, WHICH WE WERE NOT OKAY WITH AND TOLD THAT TO ONITY, THEY SAID THEIR HANDS WERE TIED AND THAT IS HOW THEY DO THESE TRIAL MODIFICATIONS WORK. XXXX SAID WE COULD REAPPLY, BUT IF WE CALLED OUR MORTGAGE COMPANY WHO GAVE THE CALIFORNIA HOUSING AUTHORITY PERMISSION TO ACCESS OUR ACCOUNT INFORMATION, THEN SHORTLY AFTER WE WERE APPROVED AND CALASSIST FUNDED THE ARREARS AND ONITY SENT THEM BACK. NOT GOOD. THIS IS VERY BAD

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: FL

Complaint narrative:
Manager from XXXX XX/XX/XXXXgave me this number after giving me 3 wrong numbers, was trying to contact company so I can make arrangements. Called XX/XX/XXXX, which in collections it shows IQ DATA When I called he already knew who I was, I explained to the gentleman that I was going through hardship and couldnt afford apartment.THE MANAGEMENT AT XXXX DID NOT PUT THE DATE THAT I TOLD HER I WOULD LEAVE, SO I GOT A LETTER FROM XXXX SAYING THAT I OWED XXXX A month of rent and utilities for XXXX and XX/XX/year> I paid all the utilities before I left.but I assumed they ere going to charge me for the month the apartment was empty. I paid XX/XX/XXXX and moved out XX/XX/XXXX I spoke to a gentleman named XXXX and he said I had to pay XXXX that I owed them, I told them I couldnt pay the full amount, explained that I was going through hardship and I was ill, after I gave him all my information to apply for a payment plan he said I didnt qualify because I was broke, he used the scare tactic, that my credit was going to be ruined, that I would not be able to rent or own a home. kept on asking to please put me on a payment plan, but he refused.HE GAVE ME TILL XX/XX/XXXX to pay or he would send it to collections. About 2 weeks ago a gentleman named XXXX CALLED AND HE PRETTY MUCH SAID THE SAME THING THAT I OWED THEM, told him I didnt want to talk to him because they would take payments and he also said that I was broke and couldnt get on payment plan, I said I didnt want to talk to him and he got loud saying you owe us.AND YOU HAVE TO PAY FULL AMOUNT.I HUNG UP ON HIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding an ATM cash deposit error with Capital One. On XX/XX/XXXX I deposited {$6300.00} in cash at a Capital One ATM. The cash came from my Capital One tax refund deposit. The ATM malfunctioned during the transaction, retained all of the cash, and did not provide a receipt or confirmation. After investigation, Capital One stated that only {$3300.00} was counted and that I owe {$3000.00}. I strongly disagree with this finding and I am 100 % certain that the full {$6300.00} was deposited. I am requesting a full review of the ATM transaction, including ATM audit records and camera footage, and correction of my account if the full deposit is confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: IN

Complaint narrative:
Loan is paid off with Upgrade, however they continue to call and text multiple times daily with harassing voicemails and threats to report delinquency to credit agencies. Account shows XXXX balance, but they refuse to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX XXXX! We Have Been With US Bank For 20 Years! With The New CEO XXXX XXXX I Have To Wonder! My Family Feels Like We Have Been Targeted! They Made Us Close 4 Accounts 2 Of Which Were Savings Accounts For Our XXXX XXXX XXXX XXXX XXXX! XXXX Our Branch Manger In XXXX And XXXX Have Been Very Professional And Caring Through This Mess! Apparently, We Had Bank Fraud At A ATM Machine! They Were Able To Draw Out {$500.00} And Then Go Back To The Same Branch And Draw Out {$500.00} More! They Accused Us For This Fraud! For 54 Days We Asked To See The ATM Withdrawal Cameras! We Needed To Prove Our Innocence! They Ended Up Closing All Our Accounts And Sending Us A Check That Were Supposed To Receive In 10 Days! All Of Our Bills Are Going Unpaid And They Have Held Our Money Hostage! US Bank Can Choose At Anytime To Not Do Business With You For No Reason With No Explanation! We Are Mentally Drained And Financially Unstable Due To US Banks Terrible Customer Service! One Of My Calls Was Sent To XXXX To Help With My Business! Do Not Bank With This Institution! You Will Be Disappointed! XXXX Bless!

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