vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
b'I am filing this complaint against XXXX for an unauthorized withdrawal and failure to fully resolve the resulting damages.\nOn [approximate date of withdrawal, e.g., early XXXX], XXXX made an unauthorized withdrawal of $XXXX from my linked bank account. This transaction was not authorized by me. After I contacted XXXX, they reviewed the audio recording of the call, admitted it was their error, and refunded the $XXXX.\nHowever, the unauthorized withdrawal caused my bank account to overdraw, resulting in $XXXX in overdraft fees and significant financial stress. Despite multiple requests, XXXX has only refunded the principal amount and has refused to reimburse the $XXXX in bank fees caused directly by their mistake.\nOn XXXX XXXX XXXX, I sent a formal dispute letter via USPS Certified Mail with Return Receipt requesting full resolution of this billing dispute.\n USPS Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX\n Article Number: XXXX XXXX XXXX XXXX XXXX XXXX\nI am requesting the following resolution from XXXX:\n Reimbursement of the $XXXX in bank overdraft fees caused by their unauthorized withdrawal\n Written confirmation that the billing dispute has been resolved in my favor\n Confirmation that no negative reporting or further liability exists related to this error\nI have attached proof of delivery and bank statements as supporting documentation.\XXXX failure to fully reimburse me for damages caused by their admitted error violates fair billing and error resolution practices.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services , Inc is acting as a third-party debt collector for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have initiated an eviction filing and debt collection action for a balance that is both fraudulent and legally unenforceable. The alleged debt is invalid for two primary reasons : 1. Rental Fraud : The balance includes charges resulting from documented rental fraud occurring on the property, which the owner ( XXXX XXXX, XXXX ) was notified of but failed to rectify. PDQ Services is now attempting to collect on these fraudulent charges. 2. Failure of Consideration ( Habitability ) : A significant portion of the " debt '' consists of rent charged during a period where the property was inhabitable due to a total lack of water and no A/C. Under Georgia law and federal collection standards, attempting to collect full payment for a service ( habitable housing ) that was not provided is a unfair and deceptive practice. Despite these disputes, PDQ Services has proceeded with legal action in XXXX, GA, without proper verification of the debt 's legitimacy, violating my rights under the FDCPA to be free from " unfair or unconscionable means to collect or attempt to collect any debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: NC

Complaint narrative:
My vehicle was a total loss in XX/XX/year>. On XX/XX/year>, the lender received a combined {$25000.00} from my primary insurance policy and my XXXX insurance addendum. This massive payment wiped out the vast majority of the principal balance, leaving a true deficiency balance of exactly {$760.00}. The {$760.00} shortfall was due to a standard primary insurance deduction for vehicle condition/prior damage that XXXX does not cover. Instead of freezing the account or adjusting my monthly payment obligations to reflect a tiny {$760.00} principal, Global Lending Services ' automated system has continued to generate full original monthly contract invoices ( {$810.00} ) and {$40.00} late fees every month on a vehicle that no longer exists. As of XX/XX/year>, they are demanding an invoice payment of {$4400.00}, while their own online portal states the total payoff quote for the entire loan is {$3900.00}. It is mathematically and financially impossible to have a regular monthly billing amount that exceeds the total payoff balance of the loan. This proves the system is erroneously stacking unearned automated fees. When customer service was contacted to correct this billing error, they stated that the full amount shown must be paid and that interest and fees will continue to accrue on the total balance because of the original signed contract. I am requesting a manual review to separate the legitimate {$760.00} deficiency from these automated system errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
{$1500.00} bonus offer not paid Mailed offer said to merely transfer external bank funds into current savings acct, which I did & held for 90 days Since I responded as a current savings acct holder, I was already enrolled as stated I am due this {$1500.00} bonus ... today

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
We starred the process in XXXX and they where stringing us along. We sent all proper documents and still they where stringing us along. We got a text telling us the appraisal company can't reach us but my phone is always on and if texted me they could have called or texted me. Then a few hours later they sent text stating I need a release form for the VA financing, sent it over then nothing I go on website after exasperation of loan was XX/XX/XXXX it was extended to XXXX. We would really like to have this Company Audited for possible Equal Opertunity violation to see if other minority borrowers have experience this with this company and also for them to return all good faith Money they have stolen from borrowers who where strung along like us

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WA

Complaint narrative:
I have been in contact with Mohela Student Loan Servicer asking why I have a balance of {$4200.00} when the XXXX site shoes all my loans were discharged. I can not get a representative on the phone to explain the discrepancy.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Co LLC
State: OR

Complaint narrative:
i was called at XXXX XXXX with robo call about debt collection with my name address in voicemail threating to take action on a debt. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NC

Complaint narrative:
Debt collector texted about a debt I dont know about so I texted STOP and got the confirmation text that no more messages would be received. A few minutes later, they sent another text about the debt. Screenshot below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 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: Block, Inc.
State: CO

Complaint narrative:
I went to the ATM at XXXX XXXX XXXX, XXXX, CO. I did two transactions. The first transaction was for {$300.00} once it was completed. I put my card back in the machine and did a second transaction for {$160.00}. wow {$160.00} worth dispensing I was counting the first {$300.00} from the first transaction because I didnt grab the money in time when it was waiting on me and reasserted itself back inside the machine I talk to the store employee and he said theres nothing he can do about it and I called the number of the ATM and was told I have to take it up with my financial institution so I did a dispute with Cash App and they denied it. I went back in the appeal with Cash App I notified them that I went back to the store. I had a full video from the manager. Can they please send me an email address because the app keep saying file not supported when I try to upload it and I explained the whole situation again from start to finish and appeal was denied. I called the merchant and asked them what should I do because even without the full evidence they still denying my claim and I was told that they have to release my money if I did that wrong and if I have it and just asked to file a regulation e-form which will sue that my money be federally investigated so I called Cash App back and kept repeating and asking to file a regulation e-form, but I was either a told no they would ignore me or they were defer for the question. I asked at least six times or more XXXX different customer service representative. I also file a second dispute, which was also denied and I repeated a cow bank and even a check can you please send me a cash app? No, Im sorry. Can you please send me a valid email address once you see this video? There is no doubt about it that the ATM reasserted my money you proceed I am correct and you release my funds. They didnt want to see the video they told me it was OK no further actions could be done about this case just leave it alone basically like really just trying to keep my money and in all they denied to dispute an appeal, knowing that I had a video the whole time and I had the other evidence such as the terminal number the time of the transaction, the amount, the full answer on what happened at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I received an alert from my credit monitoring system with XXXX XXXX stating I had a derogatory alert posted to my credit report. I immediately logged in to see what it was. I found out that it was from a third-party collection agency for XXXX ( XXXX ) by the name of Sequium Asset Solutions . I reached out to the company to see what the debt was for. They told me it was for an unpaid account with XXXX. First, they told me the account was sent back to XXXX, but after pressuring them that this just posted to my credit report today, they found claim they found an account with my name but different email, and address. I was told the account was set up in XXXX, but I had an actual credit freeze on my social security number during that time for theft. I have nothing in writing, nor have I ever spoken with anyone regarding this debt. I have also spoken with a representative at XXXX named XXXX who has verified that this is an error and should not have been applied to my credit report, but Sequium Asset Solutions will not honor to have this removed. They are requesting a file a fraud ticket when this is completely their error. XXXX can find no existing accounts under my name that align with my social security number. The address given to me by Sequium Asset Solutions does not match any address that I have ever lived at before. Sequium asked me to verify my name, and I told them XXXX XXXX, but they did not reveal that the names did not match either. They told me that the Name and social security number matched which is untrue. XXXX has said that XXXX XXXX is the name on the account so how did Sequium Asset say that this was a match. My credit report shows my current address and place of employment. This company did not do their due diligence in this matter and just dropped my credit score XXXX points for placing a debt on my account that does not belong to me. I have asked to have it removed, but they are not agreeing to do so. This company is not efficient and if they were never able to reach anyone to verify the owner of this debt how do you just put this on someone's account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
In XXXX of XXXX I received an email from the US department of education stating : " The U.S. Department of Education ( ED ) has determined that the federal student loan ( s ) you received to attend XXXX University ( XXXX ), now known as the University XXXX XXXX XXXX XXXX ( XXXX ) on or after XX/XX/XXXX, through XX/XX/XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). '' Since then I have yet to receive a discharge and now I'm getting charged interest even though the email also stated " Until ED completes its work, your eligible loan ( s ) from XXXX will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( s ) are in default, we will not attempt to collect on the loan ( s ) being discharged. '' I have contacted both Mohela, which is my loan servicer, and the XXXX XXXX XXXX and was told there's nothing they can do and they're working on it.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Iam filing a complaint against SoFi Bank regarding the closure of my checking account. I have been a SoFi customer since XXXX and have maintained my account in good standing. On XX/XX/XXXX, I learned that SoFi had closed my account. When I contacted customer service for an explanation, I was informed only that the account had been closed and that no additional information could be provided. I was also told there was nothing that could be done regarding the decision. I am concerned that SoFi closed my account without providing a meaningful explanation or an opportunity to address any alleged issue. As a customer of several years, I believe I am entitled to understand why my banking relationship was terminated and how any remaining funds, pending transactions, direct deposits, or automatic payments will be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I am currently serving on XXXX XXXX in Louisiana and would like to have SCRA benefits applied to my account. XXXX 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 non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: CA

Complaint narrative:
I asked Albert customer service to cancel my account on multiple occasions, customer service said that I would need the last 4 digits of the Albert card number to cancel my account which I told them I did not have access to or have. Following Albert continously charged my bank although their customer service told me not once, but twice that payments would be stopped for 30 days - but that never happended. I want my account closed. I want nothing to do with Alberts services. Albert has made my account negative multiple times - it is hard out here financially and I was just trying to get food for myself and long behold Albert charged my card leaving me negative although they said I wouldnt be charged for 30 days meanwhile in the first place I just wanted accounted closure in general.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
they are still screwing me around trying to get my credit card. its been going on since XXXX. they can not give me a number so i can pay my credit card, they can not seem to get me a credit card. i have called 3 and complained. i can not get into customer service on line with out the information. they are nice on the phone but THY HAVE NO RESLOVED ANYTHING MY PREVIOUS COMPLAINT IS XXXX. IT SAYS CLOSED, BUT I NEED MY CREDIT 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 explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, a government direct deposit/tax refund in the amount of {$2200.00} was routed to Chase. Because there was an issue with the receiving account, a claim was opened ( Claim # XXXX ). On XX/XX/year>, Chase 's customer claims department issued a blanket automated denial letter incorrectly stating that the transaction was 'authorized according to information provided ' and treating this as a standard disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Subject : Formal Dispute & Fee Reversal Escalation - Account Ending [ Your Account Last 4 Digits ] I am submitting a formal complaint regarding a {$15.00} Monthly Service Fee assessed on XX/XX/year>, and requesting a manual administrative reversal. While local branch management cited a structural limit on automated courtesy reversals ( due to corrections in XXXX and XXXX ), those previous adjustments were only necessary because Wells Fargo failed to properly communicate a change in account terms. Burying fundamental changes to fee structures within footnote text on page 2 of a massive monthly statement does not constitute reasonable disclosure for busy business entities. Crucial updates altering minimum balance rules should be delivered via direct digital notifications or explicit email alerts. As a dedicated client, I adjusted my capital allocation the moment I was made aware of the new rules, executing a manual transfer of {$1400.00} on XX/XX/XXXX to align with your balance expectations. Despite this proactive compliance, a {$15.00} fee was still extracted on XX/XX/XXXX. And they plan to extract more due to the Wells Fargo initiated reduction in balance after the additional fee was charged for the month of XXXX as the daily balance for XXXX first would also be below the {$2000.00} threshold despite my efforts to correct the issue. Because this persistent issue stems directly from obscure corporate notification methods rather than client negligence, I expect a manual override to credit back this charge. I look forward to your written 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 2026-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
Freedom mortgage would not take my payment to cure loan before foreclosure started. I began trying to pay approximately XX/XX/XXXX. XXXX was last payment posted. They excluded me from the portal and refused my payments for non ethical reasons. I have call logs and the name of the last person I spoke with back in XXXX that had no legal basis for not taking my payment. My home is now in forclosure with sale date of XX/XX/year>. This home was in my parents name however I have been making the payments for the last 5 years from my account. They are both deceased. There was not an issue with the company accepting my payments until it became some months delinquent. After this every effort was made to hinder my payments until forclosure could begin.

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