vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
On XXXX XX/XX/year> at XXXX, I clicked on XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX placed a pickup food order totaling {$78.00}. For some unknown reason the website sent my food order XXXX a completely different location in a city XXXX minutes away from me. I did not catch the issue until I arrived at the XXXX location XXXX pick up my order. I immediately called the location where my order was sent XXXX requested a cancelation XXXX refund. They did not speak very good XXXX and ended up hanging up the phone. I sent an email online XXXX the contact section on the website I placed the order on. They responded back that I needed to contact the location directly. I called the location again and they claimed the order was canceled and the refund should go back to card within XXXX business days. It was never refunded. I've contacted the store XXXX times and have gotten nowhere. I filed for a refund directly from my debit card company which is Cashapp. I submitted all the information and they denied my refund for no reason. I appealed XXXX contacted them requesting the information being used to make their determination XXXX they never sent anything. They just denied my appeal as well. XXXX XXXX time asked for a refund in all the years of using Cashapp. Not once. They had no reason XXXX deny my refund because I never received the order I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a follow-up complaint regarding the continued reporting of inaccurate, unverifiable, XXXX outdated information on my consumer credit file by the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), XXXX ( b ), and XXXX, as well as the Fair Debt Collection Practices Act ( FDCPA ) XXXX, XXXX, XXXX XXXX. Despite prior disputes XXXX my legal right XXXX full disclosure, accurate reporting, and proper reinvestigation, my consumer file continues XXXX reflect false and damaging information, including the inaccurate address XXXX XXXX XXXX # XXXX, XXXX, NY XXXX, along with unverified XXXX disputed accounts reported as late payments, charge-offs, or collections, specifically XXXX ( XXXX ) XXXX XXXX ( XXXX ), DISCOVERCARD ( XXXX ), and PORTFOLIO RECOV ASSOC / PORTFOLIO CAPIT ( XXXX ), none of which have been properly validated, substantiated with competent documentation, or confirmed as belonging XXXX me in accordance with federal reporting standards ; I hereby request immediate reinvestigation of all listed items, deletion of any information that can not be fully verified or legally substantiated, correction of all inaccurate personal identifiers including address data, removal of any accounts reported without lawful proof of ownership, contractual obligation, or accurate payment history, and written confirmation of the results of each investigation, as the continued reporting of these unverifiable and disputed entries constitutes ongoing harm XXXX my credit profile, financial standing, XXXX consumer rights under federal law.

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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to dispute a charge of XXXX made on XX/XX/year> on my Bank of America credit card. I XXXX tried doing it on the website, XXXX then called customer service, but even when I followed the link provided by customer service, I couldn't dispute the charge since it was made a few months ago. I am trying XXXX dispute the charge because I read about XXXX likely to liquidate, XXXX would like a refund for my XXXX XXXX before they shutdown. However, when I cancel the flight I only get credits XXXX use for future flights. I have no intention of using credits XXXX book through XXXX again, so I am contacting the bank trying XXXX get a refund that way, Thank you.

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 2026-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BofA : Credit card charge {$1900.00}, credit card - XXXX, XXXX XXXX XXXX, XXXX never received or activated the card.

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 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
i was not aware of this account. Filed a fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, my Cash App account was hacked. XXXX XXXX sent me a fraud alert text regarding a suspicious purchase. I responded that the purchase was not mine, and the transaction was denied. XXXX then closed my card. However, after my card was closed, the hacker continued using my Cash App account to take out Cash App loans and pay them off using money from my XXXX XXXX account. In total, {$1800.00} was taken from my account without my authorization. Both XXXX XXXX and Cash App claim their investigations show the activity came from my device. Because of that, neither institution is willing to return my funds, even though these transactions were fraudulent and should be protected under fraud policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
written debt validation letter to confirm the debt is yours, accurate, and legitimate. These company valiste my right to discriminate on my credit report without my consent, and I do not have any business with that type of business or company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank restricted my new balance transfer credit card due to an identity verification failure related to a phone number mismatch. On XX/XX/year>, I received a fraud alert and spoke with a Citibank fraud resolution department agent. I had to facilitate a three-way call with Citibank and my XXXX bank XXXX only after which Citibank verified my identity. I was able to access my account and saw that a {$7100.00} balance transfer from XXXX XXXX had been completed. Citibank also emailed confirmation of the transfer on XX/XX/year>. On XX/XX/year>, I checked again and my XXXX XXXX balance had not decreased. I now appear to have two balances instead of one transferred balance. When I attempted to resolve this, Citibank had placed another fraud restriction on my account and refused to proceed without phone number verification through a third-party system based on public records. I have provided multiple forms of identity verification, including credit report data, driver license information, access to my XXXX account, and Social Security information. Citibank still refuses to verify me or offer a workable alternative. As a result, Citibank is blocking access to my account, preventing resolution of the balance transfer, and exposing me to potential fees and interest due to its own internal verification failure.

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 2026-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LoanUnited.com, LLC
State: AK

Complaint narrative:
Near the end of last year, I was in the process of securing a VA mortgage loan from LoanUnited.com , LLC. The loan estimate I received on XXXX XXXX, XXXX, contained the following information : - Loan Amount : {$470000.00} - Interest Rate : 5.625 % - Monthly Payment : {$2700.00} - Total Closing Costs : {$6300.00} ( including as relevant ) : o Origination charges ( points ) : {$1100.00} o Lenders title insurance : {$750.00} Up to this point and thereafter, I supplied any and all requested information in a timely manner, ensuring no delays on my end as I had an outstanding construction loan accruing interest daily that I wanted to pay off with the mortgage as soon as possible. Despite my repeated efforts to move this process along, I did not receive the Closing Disclosure from until XXXX XXXX, XXXX a few days after the loan estimates initial stated expiration date. However, this Closing Disclosure extended the rate lock through XXXX XXXX, XXXX. This Closing Disclosure contained the following information : - Loan Amount : {$470000.00} - Interest Rate : 5.625 % - Monthly Payment : {$2700.00} - Total Closing Costs : {$12000.00} ( including as relevant ) : o Origination charges ( points ) : {$6900.00} o Lenders title insurance : {$2000.00} In other words, the company more than doubled the closing costs on the loan, including adding almost {$6000.00} in points and more than doubling the cost for title insurance. There was no explanation given for these changes. Rates had not increased ; my credit score was and remained high ; nothing about the transaction changed. The documentation provided by the company documenting the changed circumstances provides no actual documented change in circumstances ; only changes in the fees they intended to charge. Making these changes in the closing disclosure, a point in the process that when time is very critical, places borrowers in a position where many likely feel that they have no choice but to proceed with the new, financially burdensome fees. Because of these changes and the refusal of LoanUnited.com , LLC to honor ( or even speak with me about ) the original terms, I ultimately obtained my mortgage through a different company, closing on XXXX XXXX, XXXX. Had LoanUnited.com , LLC honored its loan estimate, as it is required to do when it extended the lock, I would have closed on XXXX XXXX, XXXX. The difference in closing dates cost me {$3100.00} as interest on my construction loan accrued at {$100.00} a day for those XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX Resulting Financial Harm ( Regulation XXXX Violation ) Consumer : XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Company : Bank of America XXXX XXXX : XXXX Account Ending : XXXX Disputed Amount : {$400.00} XXXX Whom It XXXX Concern, I am submitting this complaint against Bank of America regarding their handling of unauthorized debit card transactions XXXX the financial harm caused by their actions. On XX/XX/year>, XXXX transactions totaling {$400.00} occurred at a gas station identified as XXXX XXXX XXXX, XXXX, CA. I did not authorize these transactions and did not give permission XXXX anyone else XXXX use my debit card or account information. I reported the issue as soon as I became aware of it. Bank of America initially issued a temporary credit while investigating the claim. However, on XX/XX/year>, they denied my claim XXXX stated that the transactions were authorized. On XX/XX/year>, they reversed the temporary credit XXXX removed the funds from my account. As a result of this, my account was completely drained. Every last dollar was taken, leaving me without funds for basic living expenses. This has caused serious financial hardship. I have asked Bank of America XXXX provide evidence supporting their decision, but they have not provided any documentation showing that I authorized these charges. I have not been given any proof such as a signed receipt, confirmation of my presence at the location, or any clear explanation of how they determined the transactions were authorized. The pattern of these charges, including multiple transactions in a short period of time at the same location, is not consistent with my normal spending XXXX strongly suggests fraudulent activity. Under the Electronic Fund Transfer Act, I am not responsible for unauthorized transactions when they are reported in a timely manner. I reported this issue promptly, yet Bank of America has still held me responsible XXXX failed XXXX conduct a fair investigation. I am asking that Bank of America be required XXXX provide the documentation they relied on, properly reinvestigate my claim, and return the {$400.00} that was taken from my account. I also ask that the financial harm caused by the complete depletion of my account be taken into consideration. I am seeking a fair resolution and enforcement of my rights under federal law. Thank you for your time and attention. Sincerely, 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 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I disputed the XXXX installment loan online with XXXX in XX/XX/XXXX because the information being furnished about this account is inaccurate and does not match the actual history of the loan. XXXX shows that " this item was updated from our processing of your dispute in XX/XX/XXXX, '' but the underlying issues were not corrected. Based on the information in my XXXX report, these are the inaccuracies that remain within the XXXX tradeline. The account is marked as " Closed '' with a status update in XX/XX/XXXX, yet the payment history shows new late payments and collection codes for XXXX through XX/XX/XXXX. An account can not accrue new delinquencies or be placed into collection after it is closed by the original creditor. Additionally, the account is labeled " Closed, '' while the comments say " Purchased by another lender, '' and the payment history shows " Collection '' for the same period. These statusesclosed, purchased, and in collectioncannot all apply at the same time, indicating inconsistent and inaccurate reporting. Furthermore, this data conflicts with the data reported to XXXX, creating inconsistency between bureaus. The key inconsistencies are : XXXX lists the last update as XX/XX/XXXX, while XXXX shows a later date of XX/XX/XXXX. XXXX fails to name the company that purchased the debt ( referring only to " another lender '' ), whereas XXXX explicitly identifies " XXXX XXXX '' as the purchaser. XXXX XXXX payment history stops in XX/XX/XXXX and shows no entries for XXXX or XX/XX/XXXX, but XXXX reports those months as " Collection '' status. XXXX reports " Monthly Payment {$0.00} '' but also " Terms : {$0.00} per month, paid Bi-weekly for 20 months '' on a {$5800.00} installment loan. A loan with a XXXX XXXX monthly payment can not exist. This is a factual impossibility and further demonstrates that XXXX is reporting inaccurate data. XXXX reports my last payment made on XX/XX/XXXX, yet also shows a 30-day late rating for XX/XX/XXXX. A payment made on XX/XX/XXXX would not become 30 days late until XX/XX/XXXX. Reporting an entire month of 30-day late status for XXXX is mathematically impossible and factually inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NFM, INC
State: NC

Complaint narrative:
I XXXX XXXX started working with NFM lending XXXX in late XXXX and had everything in place by XXXX and it was brought to my attention in XXXX that I qualified for the XXXX tax credit and in the beginning I had a little push back about it, because I struggled to purchase a previous home and I didn't want anything to block me from getting approved through NFM but the ladies there assured me that the XXXX tax credit had no bearing on me getting that final approval, XXXX XXXX, XXXX, XXXX XXXX took all the guess work out of me getting the XXXX filed and I paid the fee and everything went great, after months of waiting for the certificate and calling NFM for months no certificate, so I spoke to someone in that office it seems every 3or 4 months and finally I spoke to XXXX XXXX and she gave me the contact info for the XXXX XXXX XXXX XXXX and the shook and heartbreak I received was housing reached out to them and they never sent requested documents and after 7 long months my XXXX was withdrawn and all I got from NFM after that was lies, first lie was I said I didn't want it, true but the ladies explained to me and I graciously accepted it, and second lie was that they ran out of funds byy closing date, which was also a lie, 3rd lie was they sent me a check refunded XXXX fee, that was a lie, and last lie was they applied it to my principle balance and that also was a lie, plz help not fair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year>, my XXXX XXXX account was hacked. Chase Bank sent me a fraud alert text regarding a suspicious purchase. I responded that the purchase was not mine, XXXX the transaction was denied. Chase then closed my card. However, after my card was closed, the hacker continued using my XXXX XXXX account XXXX take out XXXX XXXX loans XXXX pay them off using money from my Chase bank account. In total, {$1800.00} was taken from my account without my authorization. XXXX Chase Bank XXXX XXXX XXXX claim their investigations show the activity came from my device. Because of that, neither institution is willing XXXX return my funds, even though these transactions were fraudulent XXXX should be protected under fraud policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: MD

Complaint narrative:
In XXXX of XXXX, I was injured and faced hardships which hindered me from paying my mortgage. I reached out to selene finance, who is my mortgage servicer, to get assistance with this issue. The company as a whole has not been accommodating, kind or reasonable during this entire process. I've submitted a total of XXXX different modification packets because they kept being denied without notification. This went on for months. Each time, more interest accrued, more late payments were being recorded and more late fees were being added. Finally, in the XXXX quarter, my last application was accepted and approved for trial payments. I made the payments. The representative advised me that there are documents that need to be notarized and their approved mobile notary would reach out to me to get scheduled. I never received any call from the notary. I called back in to make a payment and inquire about the notary. The representative then stated that the notary doesn't call me, I have to reach out to them. I was provided with the contact information and I called and left a message, twice. I never received a call back. I called a third time and finally reached someone who stated that they are very busy this time of year. She scheduled me. When I reached out to selene to make a payment and advise them of the notary appointment, I was advised that my modification was cancelled and deleted with no way of recovering it. He also advised me that it was my fault and I needed to apply again. This company has clearly violated a presumed contract based on a notarization technicality. The trail payment plan was completed. I feel that this company is participating in mortgage servicing violations, bad faith/ breach of contracts, predatory servicing and being steered into unfavorable terms with a 9 % interest rate. This is not okay and should be addressed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
This service out of contract and Im not continue sign new contract service and not using that why charge any go to debt collection

Company response to consumer: Closed with explanation