vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Last year someone shot my vehicle window. My wrist was ended up being shattered, requiring extensive XXXX to fix. Then on XX/XX/year> I was run over by a forklift. I contacted my mortgage company for help because I was experiencing a lot of medical bills due to these incidents. I applied for a loan modification. I was told that it was going to underwriting and they would be contacting me. I never heard anything from them. I logged into my account and it said I was approved for it. Temporary payment plan when I looked at the due dates they all said NA it was supposed to be for three months. I have heard nothing from Mr. Cooper. Until recently I got a letter stating I needed to pay {$10000.00} .. Ive tried calling them to no avail. At this point, I just want a short sale my house. Mr. Cooper has been horrible to deal with. They never sent anything in the mail until recently. I either wan na get my loan back on track if possible or sell the property..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I transferred {$4000.00} via ACH from my XXXX XXXX account to my American Express XXXX XXXX XXXX Account. The transfer successfully settled. On XX/XX/XXXX, American Express placed my savings account under restriction and requested documentation to verify the transfer. They asked me to provide bank statements from XXXX XXXX to confirm the source of the funds. I complied with their request and submitted the requested documentation. However, American Express later informed me that they were unable to verify the account because the XXXX XXXX account had already been closed. They then decided to close my American Express savings account and informed me that they would only return my funds if XXXX XXXX initiates a recall of the ACH transfer. I contacted XXXX XXXX regarding this request. XXXX informed me that ACH transfers can not be recalled once they have settled, and therefore they can not perform the recall that American Express is requesting. As a result, I am now in a situation where : - American Express is holding my {$4000.00} - XXXX XXXX can not recall the ACH transfer - American Express insists that they will only release the funds if XXXX performs a recall that XXXX has confirmed is not technically possible This has left me unable to recover my own funds despite fully cooperating with all requests for documentation. I believe American Express is unreasonably withholding my funds and requiring an action from XXXX XXXX that can not be performed for a settled ACH transfer.

Company response to consumer: Closed with monetary relief
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: CA

Complaint narrative:
I have been on the phoneXX/XX/XXXX days this week trying to regain access to my funds on my PayPal account due to unauthorized transactions I was forced to cancel my debit card and was issued a new debit card from PayPal. I received my new PayPal debit card which has different digits than the one on my PayPal app and was not able to activate the new one I received in the mail. I also have only been refunded the small amounts that were taken fraudulently from my PayPal account and the larger amounts are still pending!! As well as I was issued a virtual card for the remaining balance of only XXXX they minimally refunded to my account and now I am unable to access any of my personal funds. I would really appreciate some assistance as I am getting frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against U.S. Bank regarding a significant billing error and failure of customer service ( multiple calls to their business banking and claims spanning XXXX hours wasted in hold time and speaking to multiple customer service agents ) On XXXX and XXXX, U.S. Bank debited my XXXX separate ( for different entities ) business accounts twice for the same Bill Pay transaction ( {$840.00} for the first business, {$600.00} for the second business ). These debits occurred on consecutive business days presumably because of a systemic fault, effectively " double-dipping '' into my business funds without authorization. The respective vendors associated with the recurring ( every XXXX weeks approx ) bill pay were physically provided, and eventually cashed, only XXXX check ; whereas the funds were drawn from my account twice ( on XX/XX/year> and XXXX exhibited in the account snapshot ). I have attempted to resolve this through the banks standard channels multiple times. To date, I have spent over XXXX hours on hold with US Bank. Despite being issued XXXX case numbers ( # XXXX for the first business account, # XXXX for the second business account ), the funds have not been returned to my accounts, and no timeline for resolution has been provided.

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 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am writing to file a formal complaint and request immediate intervention regarding the handling of my federal student loans and my eligibility for the Public Service Loan Forgiveness ( PSLF ) program. I have worked in qualifying public service employment since XX/XX/XXXX and have been enrolled in the PSLF program through Federal Student Aid. According to my official payment count, I reached XXXX qualifying payments out of the required XXXX payments toward forgiveness. My loans should have been forgiven years ago had the program been administered properly and consistently. However, due to administrative and legislative complications related to the SAVE repayment plan, the Department of Education halted the counting of qualifying months toward PSLF. As a result, my progress toward forgiveness has been frozen at XXXX qualifying payments despite my continued compliance with program requirements. In an effort to resolve this issue, I applied for the PSLF Buyback program nearly XXXX years ago so that the remaining months could be credited and my loans discharged. Since submitting this request, I have received no substantive response or determination. I have repeatedly attempted to resolve this matter through the proper channels by escalating the issue, filing multiple complaints, and requesting updates. These efforts have produced no meaningful progress or resolution. The continued delay is unacceptable. I have upheld my obligations under the PSLF program for more than a decade by maintaining qualifying public service employment and complying with federal repayment requirements. The failure to process my Buyback request or otherwise resolve my PSLF eligibility has caused significant and unnecessary financial and administrative harm.

Company response to consumer: Untimely response
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: SUN LOAN COMPANY INC.
State: TN

Complaint narrative:
Contacted by phone by someone claiming to be Sun Loan Company phone number ( XXXX ) XXXX, saying calling regarding a loan that I had. I told them I have never heard of them and did not have a loan with them. They said I had a loan taken out with them in XXXX XX/XX/XXXX for {$1100.00} and asked if my name was XXXX XXXX. I responded that it was. They asked my date of birth and I told them. Caught me off guard. They said it was a different XXXX XXXX and apologized for calling.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am filing this complaint regarding an unauthorized transaction on my account with Capital One that has not been properly resolved. On XX/XX/XXXX, a charge in the amount of {$460.00} from Booking.com appeared on my account. I did not authorize, initiate, or participate in this transaction. Immediately after noticing the charge, I contacted Capital One and opened a dispute. The bank initially credited my account with a temporary refund, acknowledging that the transaction was under investigation. However, after some time, Capital One reversed the temporary credit and recharged the full amount to my account, without providing a convincing explanation or sufficient evidence that the transaction was authorized by me. I never recognized or approved this charge, and the bank has improperly shifted responsibility to me without demonstrating that I actually made the transaction. In addition, I attempted to resolve this issue through the Better Business Bureau ( BBB ). Capital One responded with information that was unrelated to my complaint, effectively ignoring the core issue regarding the unauthorized Booking.com charge. Since then, I have received no meaningful resolution or clarification. As a consumer, I believe my rights under federal consumer protection laws related to unauthorized transactions and billing disputes have not been respected. I am requesting that Capital One : Remove the unauthorized charge of {$460.00} permanently from my account. Provide a clear explanation and evidence supporting their claim that this charge is my responsibility. Correct my account balance and any related fees or interest resulting from this disputed transaction. Capital Ones handling of this matter has been inadequate and has left me financially harmed despite my prompt dispute of the unauthorized charge. - Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : XX/XX/XXXX Case : XXXX Card Ending Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I went to XXXX, and the XXXX XXXX, teller issued me a new card, he never issued me any money. The card ends in XXXX. He reopened the account, on XX/XX/year>, never giving me any money or a receipt. I went to the branch between the hours of XXXX XXXX. Later, he reduced my account to XXXX. Or someone hacking my sim number transferred money to their account. I have no funds in either account. I am XXXX and these employees are very insane. There are cameras, at the branch, in XXXX, at XXXX in XXXX, XXXX. There is someone accessing my account at XXXX to be mean. They keep ruining my accounts. I need my XXXX money returned as well as my savings account. I had a total of {$2300.00} and {$1100.00} Where is my money?? I am going to the Sheriffs Office or the Attorney General next Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent my daughter XXXX laughter {$100.00} for her birthday on XXXX the XXXX through Cash App, but when after I selected a her picture, but when I picked the princess another personal picture of her up there on the screen, someone named XXXX got the {$100.00}, I advise cash out. XXXX, please return my money.Because it went to another person and I told them there was something wrong with their app.I know, I got {$4.00} and I know my truth and I clicked on my daughter XXXX XXXX so there's this date they have not returned my money for Day Out messing up.\nCash app

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: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My chase freedom flex card declines all purchases, despite having no balance on it. All the purchases I tried to make have been declined, including Amazon, multiple grocery stores, Starbucks, etc. I called the company to ask why and was given a run around before finally being told that the card would randomly decline any transaction that it deems fit, which it turns out is all of them. I was told that I would be sent a verification message when The card randomly declined, but this has not happened even once. The card was issued over a month ago and has only worked XXXX time. Every other transaction has been declined. The company offers a percentage cash back on the first {$500.00}, but only in the first XXXX months. Since the card will not allow me to make transactions, and this is an intentional feature, this is a fraudulent offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Shellpoint Mortgage P.O. XXXX XXXX XXXX, SC XXXX Subject : Urgent Dispute of Inaccurate Credit Reporting- Acct. # XXXX To Whom It May Concern, I am writing to dispute the accuracy of the information your company is reporting to the credit bureaus Transunion regarding the account referenced above. Pursuant to the final divorce decree insured by The New York State Supreme Court at the Courthouse, XXXX XXXX, XX/XX/XXXX, XXXX index no XXXX. The property located at XXXX XXXX XXXX, XXXX NY XXXX was awarded SOLEY to my ex-wife, XXXX XXXX XXXX. The court order stipulates that XXXX XXXX XXXX. Is solely responsible for all mortgage payments XX/XX/XXXX forward. I no longer have any legal interest, access to, or ownership of this property. Because I am no longer legally responsible for the property the reporting of this account as a jon liability is inaccurate. I request that you : Update your records to reflect that I am no longer responsible for this account Cease reporting this account on my credit reports, or update the status to account closed/removed by divorce decree. Notify the credit bureaus to remove any negative payment history that occurred after XX/XX/XXXX. Enclosed is a copy of the final divorce decree indicating the transfer of responsibility. I expect a response and correction of this information within XX/XX/XXXX days as required by the Fair Credit Reporting Act XXXX XXXX. 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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
I filed a dispute with Cash App regarding a {$97.00} transaction from XXXX XXXX. Cash App sent me an email stating the dispute was resolved in my favor and that a refund of {$97.00} was added to my account on XX/XX/year>. However, my Cash App activity and my official XX/XX/year> account statement show no refund or deposit of {$97.00}. I only received a separate refund of {$75.00} for a different Journeys purchase. The {$97.00} refund that Cash App claims was issued does not appear anywhere in my account records. I have contacted Cash App support multiple times and they continue to say the refund was issued, but they have not provided a transaction ID or proof of where the funds were deposited. I am requesting that Cash App investigate and either provide proof of the refund transaction or issue the missing {$97.00} refund to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently found out that I was involved in a fraudulent scam. It was false love interest deception that gained my trust and the person contacting me was using fake names and different numbers. They tricked me into doing a business with them for an online e-commerce platform that was duplicated and fake of the actual online platform called zalora. With my bank, the money was sent through wires transfers to Coinbase and robin hood. Then the other transfers were through western union. I tried to dispute most of the charges and there were XXXX more that needed to be disputed but the bank I'm with which is bank of America, had me talk to the risk department and they did not let me explain anything and decided that they are going to close all my accounts because of liability on XX/XX/year>. I tried to stop the bank from closing and tried talking to the supervisor, however, the supervisor said there is nothing they can do because the bank decided to close it and made their final decision and there was nothing they could do. They said the only thing I could do now is call them back tomorrow to know when the final date would be for 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 monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an inaccurate and fraudulent collection account that has been reported on my credit file. The account currently appearing on my credit report is listed as : Credence Resource Management Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} Date Updated : XX/XX/year> I formally dispute this account in its entirety. This debt is not mine. At the time the alleged service supposedly occurred, I was in training for school and could not have received the services claimed. It is therefore factually impossible for this account to belong to me. Despite this, the account has been reported to the credit bureaus and is causing damage to my credit profile. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), all information furnished to consumer reporting agencies must be accurate and verifiable. Reporting a debt that does not belong to me constitutes inaccurate reporting and is a violation of federal law. Additionally, under the Fair Debt Collection Practices Act, a debt collector may not attempt to collect or report a debt that can not be verified as belonging to the consumer. I am demanding the following actions immediately : Conduct a full investigation into this account. Provide documented proof that I personally incurred this debt, including signed service records, billing authorization, and verification tying the service to me specifically. If such documentation can not be produced, this account must be permanently deleted from my credit reports with all consumer reporting agencies immediately. Cease any further collection or reporting activity related to this alleged debt. If this account can not be verified with competent evidence showing that I personally incurred the obligation, continued reporting of this account will constitute willful noncompliance with federal law. I have worked diligently to maintain and improve my credit standing, and I will not tolerate inaccurate reporting that damages my financial reputation. I expect this matter to be handled promptly and in full compliance with federal consumer protection laws. Failure to correct this inaccurate reporting may result in further action, including escalation to additional regulatory agencies and potential legal remedies. Please confirm in writing when this account has been removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I sent a total of {$10000.00} through Cash App for a business purchase of XXXX XXXX from a seller. The payments were sent to a Cash App account using a XXXX XXXXXXXX. The seller failed to deliver the products as agreed and has not returned the remaining {$8900.00} that is owed to me. I attempted to resolve the issue directly with the seller, but communication was blocked and the seller refused to refund the money. I have documentation including proof of payment, transaction details, and communication messages. A fraud report has also been submitted to the Internet Crime Complaint Center regarding this incident. I am requesting that this Cash App account be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: VA

Complaint narrative:
XXXX XXXX and trueaccord have attempted to steal money from me for several months. She always emails or calls late in the evening.

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: Managing, opening, or closing your mobile wallet account — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I have a frozen account with Credit Karma ( XXXX ), for more than one week, I have called every day to get the account unlocked, the 1st tier agent answers and then I am transferred to their resolution team, which only puts me on hold and no one answers. I have called every for five days. Today I finally told the to close the account, and all they did is transfer me again, and I was placed on hold for more than 1 hour.

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: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I did not receive a statement from the credit card company and I checked around the beginning of this month and saw money was owed. So, I paid the entire balance, not just the last statement balance. They then charged me a late fee and interest. I called them and told them I never received the statement. They refused to credit back the late fee and interest.

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