vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The parties that I spoke to on the phone demanded that I provide my bank account, routing number and username and password. I realized 24 hours later that I had been exposed to a nerve gas agent similar to a drug called devils breath. I responded peremptorily for them to repeat their demands so that there could be no mistake that they had demanded my username and password. They confidently repeated themselves. In spite of this I could not stop myself from texting them my password and username.I belatedly found out that the money they had put in my account was not their money but US banks. US bank representatives alleged that after my personal information was compromised these scammers contacted US bank and made fraudulent disputes. This all unbeknownst to me. I was directed to place XXXX into my XXXX XXXX account which the thieves/scammers tried multiple times to remove. I was led to believe that Ithey were legitimate so I told Cash App that I had made the deposit so on the third try they were allowed to remove XXXX from XXXX that I had been duped into depositing. I am Math illiterate therefore, I have not been able to even obtain a XXXX XXXX this caused arrested development in my education and past employment. I also do not have a history or math acumen for embezzlement. I have never in 62 years of existence Ever given anyone my password or username. I believe multiple parties are involved in this grandiose scheme a PC title 18 Federal violation Conspiracy Against Rights. I believe it is Racially motivated greed and opportunistic endeavors meant to advantage of a displaced Black American Senior in a wheelchair. I will gladly provide some documents in this email. I dont understand why US Bank would attempt to retrieve their money after the thieves had stolen money out of my XXXX XXXX account. Now my XXXX XXXX accountt is XXXX in the negative. US Bank has denied removing the money. Sincerely, XXXX XXXX XXXX.

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 2026-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: LA

Complaint narrative:
This company listed as debt buyer is not listed on derogatory account .. I did not agree to pay and received a letter on garnishing wages due to fake signature.i want Plaza Services aka XXXX removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check from a law firm XXXX for XXXX awarded from a lawsuit against XXXX for, XXXX XXXX, they told me it was because I deposited that check, they closed my account and this months Social security money was in there also, they told me I could not access any of that money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Tennessee Credit Management, Inc
State: SC

Complaint narrative:
Rented a utility trailer with money down a No credit check, paid as agreed until I decided I No longer needed service and contacted company to pick trailer. At the time last payment was already made and No money was owed. They came and got trailer with all my belongings in it amounting it XXXX of dollars being lost on my behalf and when I notified them about it they said there was nothing left in the trailer. That was completely Untrue. I called my original XXXX.

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 2026-03-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX of XXXX I was requesting documentation reflecting authorized access to my safe deposit box. I asked her : Specifically, please provide : Any records showing who was authorized to access my safe deposit box authorization forms Any documents indicating that only I was authorized, if applicable My understanding is that I did not authorize any other individual to access the box independently. Therefore, it is critical that I receive the records confirming the authorized access status. But she refused

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 2026-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I sold a factory-sealed XXXX XXXX XXXX XXXX XXXX to XXXX XXXX and his stated partner XXXX XXXX XXXX using XXXX XXXX and XXXX XXXX He paid me on XXXX on XX/XX/XXXX before I requested the money, and I went out of my way to verify his identity before handing over the phone the next day. And, because I noticed multiple red flags, I also called XXXX to verify that the payment cleared and could not be reversed. I was told by the representative that the payment could not be reversed, and XXXX also provided his ID. I also had XXXX sign a bill of sale and take a photo holding the phone. I also made sure we met in a public place where there were cameras. However, on XX/XX/year>, I received notification from XXXX that the sale is being disputed ( XXXX ), and there is currently a hold of {$1600.00} on my account XXXX XXXX I tried to reach out to both XXXX and XXXX via multiple channels, and received no responses. Since then I've disputed the chargeback with XXXX multiple times, submitting a XXXX document full of evidence that the phone was sold, including photo of the buyer holding the phone with GPS location, signed bill of sale, FULL chat logs with buyer, etc. XXXX has failed to reverse their chargeback on my account, and it still has a $ XXXX balance 6 months later. If XXXX was the legit buyer, he has my phone and his bank should not have allowed a chargeback. If the buyer stole XXXX ' identity, that should be handled between XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-28 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: DE

Complaint narrative:
Complaint is with XXXX account XXXX XXXXXXXX On XX/XX/XXXX I was transferred a rent payment of {$800.00}. XXXX is sitting on the payment using the excuse that I declared XXXX XXXX bankruptcy. I did not include XXXX in my bankruptcy. I have repeatedly told them to take the {$400.00} I owe them and transfer the rest of my money to me. {$50.00} was in the account so they owe4 me {$450.00} Im getting no responses although I did file a complaint on XX/XX/XXXX and again of XX/XX/XXXX You are not allowed to talk to anyone or are you given an email address. Meanwhile, I have a tenant moving in to my home but have no rent money to pay utility bills ( which have gone super high ). Anything you can do to cause XXXX to respond is greatly appreciated. Right now they seem intent on just keeping my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
On XX/XX/year>, E * TRADE from Morgan Stanley Private Bank ( MSPBNA Bank ) closed all of my accounts without notice after I deposited funds for their promotional cash offer. After the closure, funds that were deposited into these accounts were not returned. E * TRADE Morgan Stanley Private Bank requested identification and past bank statements, which I supplied, but the funds have still not been returned. On XX/XX/year>, I requested the originating bank, XXXX XXXX, recall the funds, but I have not received any confirmation that the recalls were initiated. Since much time has passed since the outgoing transfers, I am not sure whether the originating bank can successfully recall the funds. Also, I am concerned that the promotional offer may not have been honored at all. The situation feels worse than a baitandswitch because there was no switch to a different product or requirement the promotion resulted in my funds being deposited, my accounts being closed without notice, and neither the advertised bonus nor the return of my funds being provided. This sequence of events makes me worried that the promotion may have been used to obtain deposits without fulfilling the advertised obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 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: PINNACLE FINANCIAL PARTNERS, INC.
State: OH

Complaint narrative:
According to FCRA section 605B it is illegaal to report anythin on my credit report without my permission Please remove this negative item. Thank you '' I will be notifying the CFPB. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Hatfield, Inc.
State: NH

Complaint narrative:
I had an account with XXXX and was using a savings with them and starting in XXXX of XXXX I was no longer able to withdraw my {$7400.00}. I tried contacting XXXX, XXXX and XXXX Bank with no success. I then was in touch with XXXX XXXX the lawyer responsible the reconciliation of these companies but she was unable to help. After reconciliation I did receive just {$1000.00} of my {$7400.00} but have received nothing since. I see the CFPB is looking into victim fund paying out those that were wronged by these companies. I would like to know how this would happen? Or what I need to do to recover my {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding a law firm that is attempting to collect on a judgment related to a motor vehicle accident case. A judgment was entered against me, and my drivers license was suspended as a result. I acknowledge the obligation and, as of XX/XX/year>, I resumed making payments toward the balance in good faith. However, despite my compliance with resumed payments, the law firm is refusing to provide the necessary documentation required to reinstate my drivers license unless I pay an additional {$800.00} lump sum. This amount was not clearly agreed upon as a condition of reinstatement. Additionally, the firm has unilaterally changed my agreed-upon monthly payment amount from {$51.00} to {$110.00} without my consent or a new written agreement. I have made multiple attempts to resolve this matter directly and have requested : - The legal basis for requiring the {$800.00} payment for reinstatement - Documentation supporting any change in payment terms - Clarification on why reinstatement is being withheld despite my compliance These requests have either been ignored or not adequately addressed. I am concerned that the firm is using my drivers license suspension as leverage to coerce payment beyond what is reasonable or agreed upon, and that their actions may constitute unfair or unethical collection practices. I respectfully request that the XXXX XXXX review this matter to determine whether the firms conduct complies with professional and ethical obligations, particularly regarding fairness, transparency, and good faith dealings with individuals attempting to satisfy a judgment. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
" Chat '' Customer service for Amex XXXX is a badly implemented XXXX that doesn't help or understand requests, refuses to help or escalate, especially by insisting it's a live human. Persistence eventually results in a " transferring to a customer service rep '', and then the process restarts with a new name. " I '' m XXXX! ". It's frustrating and illegal here in the state of California. Amex is in clear violation of The B.O.T. Act ( SB 1001 ) and Companion Chatbot Law ( SB 243 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX XXXX says they provided medical treatment but refuses to provide any details for the service and has never submitted anything to my XXXX XXXX

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 2026-03-28 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
According to FCRA section 605B it is illegaal to report anythin on my credit report without my permission. Please remove this negative item. Thank you I will be notifying the CFPB. XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-28 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: Meta Payments Inc.
State: CA

Complaint narrative:
Dear CFPB, my XXXX account ( XXXX XXXX XXXX XXXX ) was registered with Meta XXXX XXXX XXXX on XX/XX/year>. I am writing to make a complaint about incorrect deactivation by. I earned approximately {$11000.00} from this account over the last eight months and used it as part of my income-generating business. Account was disabled without prior warning and in clear violation of Community Standards. I filed an appeal through Meta 's mechanism on XX/XX/year>, but did not receive any resolution or meaningful response. As a result, I suffered business losses and reputational damage. I respectfully request that you investigate this matter as an unfair or deceptive business practice and provide me with appropriate compensation. Best regards, XXXX XXXX XXXX Mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: InDebted Corporation
State: CA

Complaint narrative:
Indebted USA Inc. threaten to damage my credit. The accusation is false. I did not purchase anything. Therefore, I owe nothing. {$4.00} XXXX are spent without purchasing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Company Name : Credence Resource Management Date Opened : XX/XX/year> I am filing this complaint regarding an account being reported on my credit file in the amount of approximately {$560.00}. I disputed this account and requested validation, but the company has failed to provide sufficient documentation to prove the accuracy or legal enforceability of this debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I requested validation including a signed agreement and proof of obligation. This has not been provided. Despite this, the company continues to report this account to credit bureaus, which is inaccurate and unverifiable. Requested resolution : Immediate deletion of thi s account from all credit reporting agencies Cease all reporting activity Written confirmation of deletion I am prepared to escalate this matter further if not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint against U.S. Bank regarding the improper negotiation of two jointly payable tax refund checks. The checks were issued by the State of California and made payable to : XXXX XXXX XXXX XXXX XXXX XXXX Check details : Check # XXXX Amount : {$2000.00} Check # XXXX Amount : {$820.00} These checks were deposited via ATM on or about XXXX XXXX XXXX, into an account held solely by XXXX XXXX XXXX without my endorsement or authorization. Because the checks were made payable to both parties using &, endorsement by both payees was required under UCC 3-110 ( d ). U.S. Bank accepted and processed these checks with only one signature. This constitutes conversion under UCC 3-420 and a failure to exercise ordinary care under UCC 4-103 . This is not a domestic dispute. It is a violation of negotiable instrument law and banking standards. I am requesting Full reimbursement of {$2900.00} Copies of all records related to the transactions, including check images, deposit records, and internal investigation notes I have attempted to resolve this directly with the bank but have not received a satisfactory response. I am requesting immediate investigation and resolution.

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 2026-03-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Climb Credit Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX. Original balance was {$6300.00}, account alraedy closed, i need you guys to work on it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: IL

Complaint narrative:
I use my XXXX XXXX XXXX credit card at a location in XXXX Illinois for a total purchase of {$42.00}. My estranged mother of 25+ years received an email from XXXX XXXX credit card processing system by mistake. When I contacted the company they saw that our email was tied together, but I have never knowingly use this company before for a credit card purchase and Im not for sure how our emails or accounts or anything personal and got tied together. I contacted them and they couldnt explain it either. I feel a report needs to be made, and something needs to be looked into cause this is similar to a HIPAA violation. I will be contacting the local police department to a maker report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NM

Complaint narrative:
This complaint concerns new developments following the closure of my prior CFPB complaint ( No. XXXX ), which did not resolve the underlying issue. Timeline of events : - I maintained two Cash App accounts : $ jadabdel and $ jihadabdelmoula. - My accounts were restricted, and I was instructed to complete identity verification. - I fully complied by submitting government-issued identification and all requested information through Cash Apps secure SendSafely system. - After confirming receipt of my documents, Cash App continued reviewing my accounts. Contradictory action : - After full compliance with all verification requirements, both accounts were suddenly closed for suspicious activity. - No specific reason or evidence was provided. - At the time of closure, my funds remained in the accounts and were not returned or made accessible. Key issues : XXXX. Compliance followed by punitive action The accounts were closed only after I satisfied all verification requirements, which contradicts the stated purpose of identity verification. 2. Lack of explanation No meaningful explanation or justification has been provided for the closures or restriction of funds. 3. Continued withholding of funds My balance remains inaccessible despite full cooperation and no demonstrated violation. 4. Due process concerns The sequence of requesting verification, confirming compliance, and then closing accounts without explanation raises concerns regarding fair treatment and proper handling of consumer funds. Requested resolution : - Immediate release of all remaining funds - A clear written explanation for the account closures - Confirmation that my identity verification was properly reviewed and processed This complaint reflects new developments that were not addressed in the prior case, specifically the closure of both accounts after full compliance and the continued inaccessibility of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
SOMEBODY HAS TO CARE TO ASSIST WITH THIS MATTER. I have contacted XXXX, Consumer affairs, HAVE NOT HEARD BACK. I paid off and closed XXXX XXXX Credit card XXXX. Prior to paying off the balance, the agent assured this was the total due and account will be closed. Since then all of a sudden I had a late fee, interest fees, balance fee added. I called having to explain the same issue over and over several times to dispute account Is closed and do not owe anything, I ended up paying the charge to have them leave me alone and close account for good. Again XX/XX/XXXX I received a interest fee called XXXX and the agent credited stating it was an error and should not happen again. XX/XX/XXXX received an email again with account balance of {$3.00} fee due XX/XX/XXXX. I just called again XX/XX/XXXX XXXX pst spoke to XXXXXXXX XXXX XXXXXXXX stating he is the manager of XXXX while yawning on the phone rude saying he will make sure this does not happen again. I feel they do not want to close my account to keep stealing money from me. XX/XX/XXXX MINIMUM INTEREST CHARGE {$3.00} XX/XX/XXXX CREDIT BALANCE REFUND {$3.00} XX/XX/XXXX PAYMENT XXXX THANK YOU XXXX {$41.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$3.00} XX/XX/XXXX PAYMENT XXXX THANK YOU XXXX {$140.00} XX/XX/XXXX Interest Charge on Purchases {$130.00} XX/XX/XXXX PAYMENT XXXX THANK YOU XXXX {$5100.00}

Company response to consumer: Closed with monetary relief