vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Az on XX/XX/XXXX. I was told it had a clean title and in prestine condition. Sales price was XXXX with XXXX down. Upon looking over contract after sent over by email after signing in XXXX. I looked and the sales price says XXXX and XXXX down I asked the salesman said dont worry it adds up to same numbers. Also the address was wrong said needed to be that way to get financing. Upon taking delivery of the vehicle the transport company said they barely scraped bumper and it flew off stating clips were already broken and bumper was essentially just hanging there. Also there was a major fuel leak and bald mismatch tires. I took it to get estimates on the bumper and XXXX XXXX in XXXX stated that there was so much damage underneath it will likely be totaled so I was confused emailed the bank and they notified me that the car has branded title and I ran the bin turns out car was in major front end collision just 8 months ago and sold as salvage at auction. So I was sold a salvage title car claimed to be clean title in add and over the phone as well as dealership essentially stole XXXX in equity out of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld Systems did not make me aware that they were collecting on fraudulent debt account number XXXXXXXX XXXX XXXX balance XXXX. I call Transworld Systems XXXX XXXX XXXX ) XXXX requesting validation, made pursuant to Fair Debt Collection Practices Act, I ask Transworld Systems for validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations to pay them. I made Transworld Systems aware that any negative mark found on my credit report from your company or any company that you represent, for a debt that I don't owe, is violation of the Fair Debt Collection Practices Act FDCPA * * 807 ( 15 USC 1962e ) therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. this Negligent Enablement of identity FRAUD. SHE SAY THAT THE ACCOUNT FOR THIS XXXX FOR XXXX XXXX XXXX XXXX VIRGINIA WAS STARTED ON XX/XX/2012 ALL THE IS MY PERSONAL INFORMATION AND DAMAGING MY CREDIT. THIS PROPERTY WAS DEEMED UNLIVABLE. AND I COULDN'T LIVE THE HOME AND I AM SUEING THE XXXX XXXX XXXX AND I HAVE POOF AND VIDEOS OF THEIR NEGLIGENCE. THIS PROPERTY NEVER HAD HRSD HOOK TO THE CITY LINE AND IS VIOLATION AND WATER SHOULD HAVE NEVER BEEN TURN ON IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I paid off my loan in XXXX through a refi. Freedom Mortgage sent be a notice that they were mailing my refund check to me ( they have the correct address ). When it wasnt received I contacted them in XXXX where by they told me to wait at least 30 days. After 40 days I reached back out and was advised the letter was returned as undelivered ( I never have problems receiving my mail! ) and they would re-issue. When I waited another 30 days and had not received it I called again where the agent told me they would cancel and resend by XX/XX/year>. Now yesterday I received a letter from them stating that the original check is still outstanding and has not been cashed and will go to echeatment after 180 days! So nothing theyve told me is lining up. I believe they are holding this money ( probably not just mine ) and collecting interest on it illegally and not sending funds back to borrowers. Its over {$8700.00}.

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 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Im currently closing on my house and was informed the lien was never released on my home when I paid it off in XXXX I dont have any record of proof of payment and due to the length of time I cant retrieve from my bank

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year>, I took a ride through the XXXX platform operated by XXXX and was charged {$26.00} for the trip. During this ride, the driver operated the vehicle in a reckless and unsafe manner, including excessive speeding and driving behavior that nearly resulted in multiple collisions. My minor child was present in the vehicle at the time, which significantly increased the seriousness of the safety concern. Due to the drivers conduct, I did not feel safe and believe the service was not provided in a reasonable or acceptable manner. The ride created a clear safety risk and failed to meet basic standards expected of a paid transportation service. After the incident, I submitted a refund request through XXXX customer support system. XXXX denied my request despite the safety concerns raised. I then initiated a dispute for the {$26.00} transaction through my financial institution, Chime. However, the dispute has remained unresolved for over XXXX days, and I have not received reimbursement or a clear final resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
On XX/XX/year> I called comenity Bank for XXXXXXXX XXXX XXXX to close my account which was paid in full with no remaining balance. I requested a letter stating that they were gon na report to the credit bureau that the account was closed and taken off. My credit have not received that letter, and I would like this card removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Scammer on FB ( XXXX XXXX XXXX hacked a friends account. I thought I was dealing with my friend when he listed items for sale on XXXX. I sent XXXX amounts via XXXX thru PNC ( and XXXX Bank ). I repeatedly received text who I thought was from XXXX saying the payments wouldnt go through so I tried again. It was the scammer. I filed disputes with PNC Bank and I received a letter today saying that this has been resolved and they determined that I was responsible for the transactions. I am XXXX yrs old and was scammed and taken advantage of. The amounts with PNC on XX/XX/year> were {$1200.00}, {$1600.00}, {$700.00}, and {$990.00}. I have also filed a police report to the XXXX XXXX Fl police department. They are to subpoena the banks today for the records. XXXX not a wealthy person and hope to get this money returned to me. I will do a separate report for the XXXX bank amounts after I get a determination from them. With both banks, the total is close to {$10000.00} .. please help Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a formal billing error notice under Regulation Z regarding my Coinbase XXXX XXXX account issued by XXXX XXXX XXXX. The dispute concerned interest charges assessed after an ACH payment reversal tied to a duplicate payment situation. On the prior statement, two payments of {$2100.00} were applied on XX/XX/XXXX, resulting in a negative balance. A later ACH reversal dated XX/XX/XXXX was then used to assess {$85.00} in interest charges on the XX/XX/XXXXXXXX statement. The issuer did not acknowledge the billing error notice within the required 30-day period. Instead, the matter appears to have been handled solely through generic customer support tickets. On XX/XX/XXXX, support responded only that the matter had already been resolved in a prior support ticket and that the interest charges were correctly applied, without providing what appeared to be a formal billing error investigation response under Regulation Z.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, a lease termination was executed under XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX ) due to military orders. Following the direct instructions of Mazda Financial Services ( MFS ), I provided the required termination paperworkwhich XXXX provided on XXXX the authorized retailer, Hello XXXX of XXXX XXXX XXXX and XXXX XXXX vehicle with an odometer reading of only XXXX miles. XXXX is currently withholding approximately {$2500.00} in Capitalized Cost Reduction ( CCR ) and over {$1400.00} in ancillary product refunds to offset an illegal " sale deficit. '' This is a direct violation of XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX XXXX XXXX XXXX ), which prohibits early termination charges ; a resale loss is a business cost borne by the lessor, not the servicemember. XXXX is also in violation of XXXX XXXX. XXXX ( f ) ( XXXX XXXX XXXX XXXX ) for failing to refund prepaid amounts within the mandatory XXXX window. While I received a check for {$520.00} ( for a Wear and Tear package ) on XX/XX/year>, XXXX continues to intercept and withhold the remaining balance. Evidence of XXXX XXXX and Factual Inaccuracies : XXXX. Supervisor Admission : On XX/XX/year>, XXXX XXXX " XXXX '' confirmed on a recorded line that my payments were paid in full prior to return and admitted that XXXX is only applying this deficit to my account because I purchased optional packages with available refunds XXXX. Contradictory Records : While the XX/XX/year> XXXX Notice boilerplate claims my account " XXXX have had unpaid lease charges, '' the itemized accounting on that same notice confirms {$0.00} was actually owed for payments, late charges, wear, or mileage. XXXX. Acknowledged SCRA Approval : The XX/XX/year> Refund Notice explicitly contains a line item for " XXXX Final Payment Prorated Refund, '' proving XXXX has coded this as an " XXXX approved vehicle return ''. XXXX. Falsified Mileage : An XXXX internal notice dated XX/XX/year> incorrectly lists the return mileage as XXXX miles, a discrepancy of over XXXX miles compared to my signed XXXX XXXX XXXX. This resulted in an artificially low maintenance refund of {$410.00}, while the provider confirmed the actual estimate is {$600.00}. XXXX. Unauthorized Title Transfer : An XXXX letter dated XX/XX/year> falsely claims the vehicle title was sent to a third party " per my instructions ''. No such instructions were provided ; I returned the vehicle directly to the authorized dealer, as XXXX instructed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year> there were 3 hard inquiries concerning three fraudulent attempts to receive credit in my name. The three companies wer XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX Credit card.. I have communicated that I did not make these request.

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 non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Referencing complaint # XXXX. XXXX bank sent me a letter stating that the vehicle was declared a total loss on XX/XX/XXXX and on that date the principal balance on account was {$31000.00}, and that the total loss settlement amount was received XX/XX/XXXX and for {$32000.00} and posted to account with an effective date of XX/XX/XXXX. the bank also states that the application of the total loss insurance payment brought the principal balance to {$140.00} which remained on account. the bank is stating that the total loss payment did not pay off the account. There is a CLEAR discrepancy in numbers due to the principal balance on account, as stated in writing by bank, being {$31000.00} at the time of vehicle being declared total loss, and the Settlement check being received for amount {$32000.00}. There is no clear reason for a balance to remain on account given the math of the XXXX amounts. Also, the bank has reported False dates in this matter, I have a printed record of the FIRST time I was provided the {$32000.00} settlement by XXXX on XX/XX/XXXX and another email from insurance informing me finally that settlement check was issued to insurance dated XX/XX/XXXX. based on the check bank received, the amount of payoff clearly states that there is mathematically no reason for a remaining balance, rather myself should be receiving a REFUND for {$1100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I never authorized a company XXXX XXXX XXXX to charge my Credit Card it was charged for XXXX without my authorization... The credit company saying the company sent something out and someone signed for it no me that the charged is valid even though I didn't receive anything or order anything.

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 2026-05-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Since XX/XX/year>, I have been trying to get the fee charged of {$1200.00} on my account. The information sent are the same without answering or giving a detail of the request.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
My Cash App account was closed after I reported unauthorized transactions that I believe occurred due to my phone being stolen in XX/XX/XXXX. I discovered the disputed activity on XX/XX/XXXX, and immediately filed fraud/unauthorized transaction disputes for review. My dispute denied at the time of closure was approximately {$110.00}. My account was officially closed on XX/XX/XXXX, following Cash Apps determination that my dispute was fraudulent or false. However, I want to note that I had other fraud disputes that were approved by Cash App and credited back to my account balance. Despite previously approving similar disputes and adding funds back to my Cash App balance, Cash App determined this specific dispute was fraudulent and used that decision as a basis to close my account. I was not provided with a clear explanation of why this particular dispute was considered fraudulent, nor was I given specific evidence supporting that determination. I also was not given a meaningful opportunity to fully appeal or respond before the account was closed. I believe my account was compromised due to the theft of my phone, and the activity I reported was not authorized by me. I am requesting a full review of the dispute determination, clarification of why my claims were labeled fraudulent despite prior approved disputes, and reconsideration of the account closure decision. I am also requesting access to the remaining {$110.00} balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KY

Complaint narrative:
XXXX XXXX has not been communicating every time I get transferred to the department of transaction disputes they hang up. I was at an atm and the atm said transaction cancelled so I pulled up to speak to the bank teller and she said the transaction would have to be disputed through XXXX XXXX in the amount of XXXX. I have contacted them multiple times and talked to the first department of transactions to tell them what happened then they transfer me to whom takes care of the dispute reports but they hang up every single time while I am on hold. I need this taken care as soon as possible. There was also XXXX charged to my card and I have no idea why. The XXXX never was withdrew from the atm due to the atm being backed up. The bank I spoke to told me to dispute this through XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/year>, I encountered a fraudulent transaction with my Wells Fargo checking account, amounting to approximately {$2100.00}. Consequently, I initiated a claim with Wells Fargo. However, after conducting an investigation on XX/XX/year>, the company denied my request for a refund. I firmly believe that this decision is unjust and would like to formally lodge a complaint with Wells Fargo, requesting a refund for the fraudulent transaction.

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 monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized activity on my Coinbase account and Coinbases improper attempt to hold me liable for resulting losses and transactions. On XX/XX/year>, unauthorized activity occurred on my Coinbase account involving rapid buy/sell transactions and liquidation of my crypto assets, resulting in losses of approximately {$7800.00}. I did not discover this activity until XX/XX/year>, when I received notice from my bank that my account was overdrawn due to an unauthorized {$6000.00} transfer to Coinbase. After seeing this alert, I immediately logged into my bank account and confirmed I had not authorized the transfer. I then logged into my Coinbase account and discovered the unauthorized activity. Coinbase denied my claim and asserted that the activity was authorized. However, Coinbases findings contain multiple factual inconsistencies : Coinbase states the account access occurred on XX/XX/year>, while the transactions they provided all occurred on XX/XX/year>. Coinbase claims my password was reset, 2FA was used, and a new device was confirmed via email. However : I never received any password reset email I never received any 2FA code I never received any new device confirmation email My password remained unchanged and still worked when I logged in on XX/XX/XXXX Coinbase is also attempting to hold me liable for approximately {$6000.00} tied to the unauthorized bank transfer, even though : The transfer was unauthorized The funds had not yet cleared I stopped the transfer through my bank Coinbase nevertheless allowed trading against the uncleared funds Additionally, Coinbase sent conflicting communications regarding this liability. One communication stated that I owed the {$6000.00}, while a subsequent investigation email made no mention of the liability or how it was determined. I have requested supporting authentication logs and records from Coinbase, including password reset logs, 2FA delivery records, and device access information, but the investigation conclusions provided to me do not match the actual sequence of events or the records available to me. I am requesting : A proper and accurate investigation Reimbursement of the unauthorized losses Removal of the disputed {$6000.00} liability A detailed explanation reconciling the inconsistencies in Coinbases findings I have preserved documentation supporting these facts and communications.

Company response to consumer: Closed with explanation