vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, at around XXXX XXXX, I tried to withdraw {$2000.00} from an ATM located inside XXXX. The ATM belongs to U.S. Bank. The machine did not dispense any cash, but the full amount of {$2000.00} was deducted from my XXXX account. After this happened, I contacted the bank and they told me that because the card is an XXXX card, I need to file a claim through the XXXX system. I also went to the county office and reported the issue. The county informed me that they already issued the funds to my card and that the money was taken by the ATM/bank, so they can not resolve the problem. As a result, I am currently unable to recover the deducted funds. I am submitting this complaint because the ATM did not provide the cash but the funds were removed from my account.

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 2026-03-06 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
The Barclays terms state, In order to maintain XXXX XXXX for XXXX months from Card Account open date, you must also spend XXXX XXXX dollars ( {$3000.00} ) in Net Purchases with transaction dates in the first 90 days of new Card Account opening. I spent over {$5000.00} within the first 90 days of opening Barclays card ( opened XX/XX/year>. Yet my XXXX status was revoked on XX/XX/XXXX. Barclays customer support agents say I do qualify for the XXXX months, yet it still doesnt reflect on my XXXX account. Ive had to pay for my seats on a flight because my status is not reflecting properly. I should be refunded for that.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Validation of Debt Request - CREDIT COLL - xxx * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: MD

Complaint narrative:
Hello. My name is XXXX XXXX. I financed a new XXXX Line from King Kia, their address is XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX XXXX in XX/XX/XXXX XXXX The bank they used for my financing was Santander Consumer USA. I paid off the car/loan a couple months later in mid XXXX. I received the title from them but Im not sure if theyve sent the lien release letter along with the car title or not. Im now trying to request an additional lien release letter from Santander Consumer USA but they blocked/closed my account on their website so I have no way to contact them about this issue. My request is for Santander Consumer USA to send me another additional lien release letter to my mailing address on file in their system. My VIN for the vehicle is XXXX. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/XXXX I disputed a {$270.00} charge for defective merchandise that was untouched. Navy Federal requested documentation on XX/XX/XXXX. I submitted ALL requested documents via eMessage on XXXX separate occasions : XXXXXX/XX/XXXX XXXX and XXXX Despite submitting comprehensive documentation multiple times, I received contradictory responses : XX/XX/XXXX : Automated notification stating NO documentation received, no additional documents needed XXXX : Representative stated I never sent anything TodayDifferent representative confirmed they received all documents Todays Complaint specialist confirmed dispute team will not reopen claim with no other recourse Navy Federals eMessage system does not respond to inquiries. Multiple representatives provided false and contradicting information. My dispute was denied without proper review of documentation I verifiably submitted. I request : XXXX. Investigation into why I received contradictory information XXXX. Proper review of my dispute with all submitted documentation XXXX. Explanation for how documentation was both never received and received XXXX. Reinstatement of disputed funds or clear explanation of denial based on actual evidence review I have been a Navy Federal member forXX/XX/XXXXyears. This is my XX/XX/XXXXdispute ever. The service failure is unacceptable. Additionally, I was informed by Navy Federal representatives that other customers are allowed to have disputes reopened and resubmitted multiple times. However, when I requested the same consideration for my case - given the contradictory information about whether my documentation was received - I was told there is no other recourse and my dispute can not be reopened. This represents inconsistent application of Navy Federals dispute policies. If other members can resubmit disputes, I should be afforded the same opportunity, especially since : XXXX. Navy Federals own representatives provided contradicting information about my documentation XXXX. I submitted all requested materials XXXX times XXXX. The denial appears to be based on a claim that documentation was never received when a representative confirmed today it was received Navy Federal is applying different standards to different members, which is unfair and potentially discriminatory.

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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
After receiving the payoff quote on XX/XX/year>, I paid or attempted to pay the quoted amount by the stated date. GM Financial subsequently asserted that additional interest was owed and/or provided a revised payoff amount without supplying a clear, itemized explanation showing how the payoff was calculated. I requested written documentation explaining the assumed payoff date, perdiem interest used, principal balance applied, payment application history, interest accrual periods, and the specific contractual provisions authorizing the interest and any additional charges. To date, GM Financial has not provided sufficient documentation to substantiate the payoff interest being claimed. As a result, I am disputing the payoff amount and interest and am seeking verification, correction of any unsupported charges, and confirmation that no adverse credit reporting or collection activity will occur while this dispute is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: CA

Complaint narrative:
Indebted emailed me several times, saying I owe a balance of {$91.00}, and the original debtor was XXXX XXXX ( XXXX ). I called Indebted, told them I would contact Spectrum, and I did. Spectrum confirmed I had no outstanding balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Lennar Financial Services, LLC
State: DE

Complaint narrative:
On XX/XX/year>, I agreed to purchase a condo from Lennar builder. I sent a {$5000.00} deposit off a credit card to start the loan application process. On XX/XX/XXXX, I was informed that I would not be awarded a {$50000.00} gift amount to use on the down payment for the loan. This issue made it unable for me to move forward with this purchase so I immediately sent an email to Lennar mentioning that I was no longer able to move forward on the purchase and would not be able to secure a loan. The Loan was never officially approved as it always showed on Lennar tracker that it was pending and still in underwriting. Since informing Lennar mortgage and Lennar builder that I could no longer move forward on this purchase, they have refused to return the {$5000.00} down payment from XX/XX/XXXX. The loan application process can take anywhere from XXXX days. I responded to Lennar in a timely manner that since I was unable to gain the {$50000.00} gift money I was not able to move forward with the purchase. It was also clearly know from the beginning that the gift money was a big part of getting approved for this loan.

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I disputed transfers that did not make it to the XXXX XXXX account that was linked. The funds were removed from my Venmo account still. Which was strange because some would clear and then some didnt. I contacted XXXX XXXX many many many many times. Horrible responses that added up to just wait a little longer. They switched my account login primary account, unlinked my external accounts & removed my phone number and email address. What seemed to be almost over night. For absolutely no reason or authorization of mine. They weirdly changed the transaction types & coding before they denied all of my disputes. Now currently the last time I called they said they couldnt verify my account because my phone number and email was missing. I call every day. Sometimes twice a day. I received 3 emails yesterday with the same generic message of we deny your claim because you havent responded within 4 days. Hilariously they have a typo so it says you HAVE responded in 3 days Is it a typo HUmmmm. Ive provided all Of the documents TO Venmo. Venmo denied my claim for the transactions just recently. I responded immediately to the denial email with I have proof! Where can I send it?!! Havent heard anything back. I also disputed other transfers to that account that have still never made it. I have been out this money for weeks and weeks. Venmo is aware and is holding all the evidence they need to fight this for me. I just need Venmo to protect their customers in a regulatory timeframe. With efficiency of investigations. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: AZ

Complaint narrative:
I am writing to formally express concern about the way Klarna communicates payment due dates and loan documentation access within both email notifications and the app interface. First, I have repeatedly received notices indicating that I have missed a payment, which is confusing because when I open the app to review the account status, the payment is actually listed as due several days in the future. This creates unnecessary alarm and makes it difficult to trust the accuracy of the notifications being sent. The system should clearly and consistently reflect the true due date so customers are not misled into believing a payment has already been missed when it has not. In addition, when I attempted to obtain a copy of my loan agreement, I was informed by customer support that the agreement was included in the original approval email. This is incorrect. I have retained all emails associated with my loan approval, and the loan agreement was not provided there. This experience made it difficult to verify my contractual details and required me to spend additional time attempting to locate documentation that should be readily accessible. More broadly, the app and communication system do not make the payment due date and account status sufficiently clear. If notifications are being sent, they should accurately reflect the actual due date and should not indicate that a payment has been missed when the payment is still within the scheduled window. I believe the platform would benefit from an update that improves transparency, ensures consistency between the app and notification messages, and makes loan documents easily available within the account interface. I am requesting that this issue be reviewed and that steps be taken to correct notification timing, improve app clarity regarding payment scheduling, and ensure loan agreements are directly accessible to users without relying on external emails. Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have been unable to access or use my Barclays Aviator World Elite Mastercard account since XX/XX/XXXX, after changing my phone number associated with the account. Since that time, I have repeatedly attempted to verify my identity and restore access to my account. I have submitted multiple forms of identification and supporting documentation as requested by Barclays, including my government-issued ID, tax documents, and utility bills. Initially, I faxed copies of my identification and documentation as instructed. I was later told that the faxed documents were not sufficient and was instructed to mail copies of my identification and documents to Barclays, which I also did. Despite complying with every request, I have repeatedly been told that the documentation is not sufficient or that facial recognition can not be verified, without being given a clear explanation or any reasonable path to resolve the issue. As a result, I have been locked out of my account and unable to use my credit card for more than three months. Additionally, my interactions with customer service have been extremely concerning. On XX/XX/XXXX, I spoke with a supervisor regarding this issue and the call was disconnected. I never received a follow-up call despite the matter remaining unresolved. On XX/XX/XXXX, I called again and experienced further problems. The first representative repeatedly asked me to repeat myself and had difficulty understanding my concerns. When I requested to speak with a supervisor, the representative disconnected the call. I called back and spoke with a supervisor identified as XXXX, a Senior Account Supervisor in the Fraud Department. During this interaction, she was dismissive and placed me on hold while I was in the middle of explaining my situation. This matter has been ongoing for over three months despite my full cooperation and repeated attempts to verify my identity. I am requesting that Barclays immediately review my case, properly verify my identity, restore access to my account, and investigate the handling of this matter by their customer service and fraud departments.

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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I am submitting this complaint regarding my account with Indigo Credit Card. I became unemployed in XXXX and activated the unemployment benefit program associated with my account. Since that time, Indigo has repeatedly required me to submit proof of unemployment on a monthly basis. I have submitted proof of my unemployment multiple times, approximately three to five times, by email as requested. Despite my repeated attempts to provide the documentation, the company frequently claims that they have not received it or that it was submitted past the required date. I have made good faith efforts to comply with every request for documentation, yet I continue to be told that the information was not received or can not be accepted. On one or two occasions, Indigo acknowledged receiving my documentation and made payments to my account under the unemployment program. However, even after making those payments, they continued to repeatedly request the same proof of unemployment in later months. While this issue has been ongoing, Indigo has continued to assess late fees to my account. In some situations where they eventually acknowledged receiving documentation, payments appear to have been applied toward late fees rather than meaningfully reducing the balance owed on the account. This has prevented my balance from being properly reduced and has caused ongoing financial hardship. It has become extremely frustrating to repeatedly submit the same documentation and still be told that it was not received or was submitted too late. I have made every effort to comply with their requests and provide proof of my unemployment in good faith. I am concerned that the repeated failure to properly process the documentation I submitted, along with the continued assessment of late fees, may constitute improper account servicing and unfair billing practices. I am requesting that Indigo conduct a full review of my account history, including all submitted documentation and fees assessed during this period, and correct any errors that resulted from their failure to properly process my unemployment benefit requests. Because I made repeated good-faith efforts to provide the requested documentation and comply with the program requirements, I respectfully request that all late fees assessed during this period be refunded and that my account be corrected to reflect proper processing of my unemployment documentation. I respectfully request that this matter be investigated and that Indigo Credit Card properly review the documentation I have already submitted, stop requiring repeated submissions of the same proof each month, remove any late fees that were charged due to their failure to properly process my documentation, and ensure that any payments made under the unemployment benefit program are applied appropriately toward my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC
State: PA

Complaint narrative:
I am filing a complaint regarding an escrow refund check from Movement Mortgage that I have not received. I was informed by an XXXX Resolution XXXX at Movement Mortgage that an escrow refund check in the amount of {$5400.00} was issued on XX/XX/XXXX. However, I never received the check. Since then I have contacted Movement Mortgage several times requesting confirmation of the refund. Representatives have not provided a check number, proof of issuance, or confirmation of whether the check was cashed or returned. More recently, I contacted Movement Mortgage again and was given an ACH trace number ( XXXX ) but no explanation of what transaction this trace number relates to. I was also told that because I have an existing CFPB complaint regarding credit reporting, no further information could be provided directly to me and that communication must go through the CFPB. Additionally, I am now completely locked out of my online mortgage portal and can not access my account, statements, or escrow records. My loan is current and I have not changed my mailing address. On XX/XX/XXXX, I received an email indicating that Movement Mortgage paid {$1900.00} to XXXX XXXX from my escrow account, but I have no access to the escrow account details or analysis explaining this disbursement. I am requesting that Movement Mortgage : Provide written confirmation of the escrow refund issued XX/XX/XXXX Provide the check number, issuance date, and mailing address used Confirm whether the check was cashed or returned Reissue the refund check immediately if it was not received Provide a full escrow accounting from XX/XX/XXXX to present Restore my ability to access my online mortgage portal or provide copies of my statements and escrow analysis I have never changed my mailing address and all prior correspondence from Movement Mortgage has been delivered to this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 explanation