vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing this complaint regarding unauthorized transactions and improper handling of my fraud claim by Cash App ( Block, Inc. ). On or aboutXXXX ], my Cash App account was accessed by an unknown device located in Texas, while I reside in Arizona. I did not authorize this login or any transactions associated with it. As a result, approximately {$800.00} was taken from my account without my consent. I reported this unauthorized activity immediately. However, after multiple follow-ups, I spoke with a Cash App manager named XXXX who informed me that my original fraud claim was not properly filed and that proper protocol was not followed. Because of this failure, my claim was never properly reviewed or investigated. As a result of Cash Apps error, I was forced to submit a new fraud claim and restart the entire process, causing significant delays. I have now been told I must wait an additional 10 days for review, even though the delay was caused by Cash Apps failure to correctly process my initial claim. Additionally, despite reporting the unauthorized access, my account was not properly secured. The unknown device that accessed my account remained linked, and my account was not promptly frozen to prevent further unauthorized activity. This represents a serious failure in basic security and fraud prevention procedures. Due to these delays and failures, I am now facing severe financial hardship, including the risk of eviction, because I have been without access to my funds. I believe Cash App has failed to comply with its obligations under the Electronic Fund Transfer Act and Regulation E, which require a timely and proper investigation of unauthorized electronic fund transfers. I am requesting : * Immediate reimbursement of the {$800.00} in unauthorized transactions * Immediate escalation and expedited review of my current fraud claim * A written explanation of why my initial claim was not properly filed or investigated * Confirmation that all unauthorized devices have been removed and my account is secure * Corrective action to ensure compliance with federal law This matter is urgent due to my risk of eviction and ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Hello, I am filing a complaint against Robinhood regarding restricted access to my funds during a forced account closure. Robinhood suddenly told me that they were closing my account, liquidating all my stocks and returning my current account funds to the originating bank account instead of allowing me to withdraw the money myself normally. I have been unable to buy, sell, or withdraw through the app at all for almost a week now. Robinhood told me that the return process could take 30 to 60 days depending on the bank. They also provided me with a case number and said I could use it with my banks ACH investigations team but However, when I contacted my bank, they told me the Robinhood case number was not enough to trace the transfer. My bank said they need the ACH trace ID and transaction number. I followed up with Robinhood requesting the ACH trace ID, transaction number, return initiation date, total amount being returned, and confirmation of the destination bank account. Robinhood told me they would respond by email, but I have not yet received that information. This has left me unable to verify where my money is, when it was sent, or how my bank can locate it. I am requesting that Robinhood : 1. Provide the ACH trace ID 2. Provide the ACH transaction number 3. Confirm the exact amount being returned 4. Confirm the date the return was initiated 5. Confirm the last 4 digits of the bank account the funds are being returned to 6. Confirm whether any remaining stock positions will be liquidated separately 7. Confirm whether any non-returned funds will be sent to me by another method 8. Release or return my funds promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: NC

Complaint narrative:
I am reporting a deceptive marketing and support practice by Block , Inc. ( Cash App ). I joined the platform under a referral promotion. Despite completing all technical requirements ( linking a new debit card and sending {$5.00} within XXXX days ), the company has refused to honor the bonus. Furthermore, when I reached out for help, Cash App support agents terminated the chat session without providing a ticket number or resolution. This prevents me from tracking my dispute and appears to be a systemic effort to avoid paying advertised promotional incentives to users, including a XXXX minor who referred me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Chime Financial Inc
State: NJ

Complaint narrative:
I called chime around XXXX XXXX XXXX XXXX XXXX XXXX about pending charges on my account that I didn't recognize. They told me to wait until the chargers clear and then file a dispute then, so that what I did. XXXX hrs. Later I received an email saying that they would not reimburse me because they didn't find any error, so I then called them requesting a detailed summary of their investigative steps that were taken that led to this conclusion, they said they would send me a email in XXXX business days. I received a email in XXXX to XXXX day after the call, it was vague lacking any investigation or summary of a investigation it only contained my initial conversation and my banking habits for the past few months. I call XXXX more times and got XXXX more emails reading the same way I told them I was recording the phone conversation and asked them under chimes policy regulation E to send a detailed letter or email with the exact step taken to reach their conclusion and they still sent me the same vague email as before, which led me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding my bank, MoneyLion, placing a restriction on my account and holding my XXXX payroll direct deposit, which is my primary and only source of income. Moneylion flagged my account for suspected unusual transactions and requested identity verification documents, including my drivers license, proof of residency, and an explanation of transactions. I submitted all requested documentation promptly. Despite this, my account remains restricted and my payroll funds are being held, with the bank stating that review may take XXXX days. This delay is causing significant financial hardship, including risk of vehicle repossession and inability to cover essential basic living expenses. The transactions in question were domestic digital purchases related to a mobile game ( XXXX XXXX XXXX and were not international transfers or suspicious activity. I have requested escalation and urgent review due to hardship, but the bank has not provided a resolution or access to my funds. I am requesting : Immediate review and resolution of my account restriction Release of my payroll funds Or, at minimum, partial access to funds for essential expenses during the review process This situation is urgent and directly impacting my financial stability.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint regarding my account with Bank of America. I opened a new account and deposited approximately {$5000.00}. The funds were successfully transferred and posted to my account around XX/XX/year>. Shortly after, I was unexpectedly locked out of my online banking and informed that my account was being closed due to an inability to verify my identity. Despite the funds clearly posting and being visible when linked to my external account, Bank of America XXXX have told me they can not see the money on their end. I have also been told conflicting information regarding how my funds will be returned, including that a cashiers check may be issued, but no clear timeline or confirmation has been provided. As of now, I do not have access to my funds, can not activate my debit card, and have received inconsistent and unclear communication from the bank. This situation has caused significant financial stress and concern. I am requesting the following : XXXX. Immediate confirmation of the location and status of my {$5000.00} deposit XXXX. A clear explanation for why my account was closed after funds were accepted and posted XXXX. A confirmed timeline and method for returning my funds XXXX. Prompt resolution and access to my money without further delay XXXX. Why it was okay for them to close my account from not verifying without reaching out and simply letting me know that is what I needed to do. I have documentation showing the transfer and posting of funds and can provide it upon request. I now have no money until the end of the month or until this is resolved and I have XXXX children to feed. Thank you for your assistance in resolving this matter.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am submitting this complaint as a follow-up to my previous CFPB complaint XXXX, as Zion Debt Holdings has failed to properly respond to my lawful request for debt verification. On XX/XX/XXXX, I sent a detailed verification request clearly outlining the specific documentation required under the Fair Debt Collection Practices Act. Instead of providing the requested verification, Zion Debt Holdings responded by sending an invoice. This is not what was requested, nor does it satisfy their legal obligation to validate a debt. An invoice is simply a demand for paymentit does not prove ownership, accuracy, or that the alleged debt is legally enforceable. To be clear, my original request asked for : Proof of delivery of any alleged 1692g dunning notice, a sworn, notarized statement from a person with firsthand knowledge as verification under 1692g4, Full chain of title documentation ( including bill of sale, assignment agreements, and account-level schedules ) per 1692g4. None of this was provided. Additionally, Zion claims they sent a dunning letter in XXXX. However, the documentation from XXXX clearly states that the account was sold to Zion Debt Holdings in XX/XX/XXXX but the Transunion report shows it was opened XX/XX/XXXX. This raises serious concerns regarding : XXXX. Timing inconsistencies Why was the alleged notice delayed until XXXX? XXXX. Potential re-aging concerns Reporting timelines must reflect the date the account was transferred/sold, not manipulated later dates XXXX. Compliance with 15 U.S.C. 1692g which requires timely notice within XXXX days of initial communication which, in this case I didn't get Further, I am currently enlisted in the XXXX XXXX XXXX. By the time they claim to have sent this alleged notice in XXXX, I had already relocated. This creates an additional issue where sensitive financial information may have been sent to the wrong address and potentially received by an unrelated third party. There is also a broader regulatory concern. Zion Debt Holdings has a known history of compliance issues, including being restricted or banned from operating in certain states such as Connecticut. This raises serious concerns about whether they are operating within the bounds of the law in general, and specifically in my case. Despite all of this, Zion continues collection efforts, including sending billing statements and invoices, without first validating the debt as required by law. At this point, the situation is straightforward : I made a lawful request for verification Zion failed to provide what was requested They instead attempted to continue collection activity without proper verification There are inconsistencies in their timeline and documentation There are concerns about improper handling of consumer information This is not a good faith response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint regarding PayPals decision to permanently limit my account, [ XXXX ], and hold my balance of {$330.00} for up to 180 days. I have had this PayPal account for about three years. In the past, when temporary security-related limitations occurred, I submitted my ID and the issue was resolved. This demonstrates a consistent history of cooperation. In this situation, PayPal has stated that my account was limited for security reasons, but has not provided any specific explanation, identified any actual risk, or given me any opportunity to resolve the issue. I understand that PayPals User Agreement allows account limitations. However, that discretion should be applied reasonably and with transparency. In my case, no explanation, no evidence of risk, and no verification steps have been provided. PayPal has also stated that funds may be held to cover disputes or reversals. This does not apply to my situation. I do not operate a business and have no customers. There are no disputes against me. The only dispute involved is one I filed against a merchant after receiving the wrong size item, and I provided proof supporting that claim. My account activity has been legitimate and transparent. Funds come from my bank, card payments, and XXXX XXXXrelated earnings. When there has been a problem with a transaction, I have explained it and provided proof. If this is a security or identity concern, I am fully willing to cooperate immediately. I am willing to provide my ID, as I have done in the past, and if needed, a selfie holding it. At this point, PayPal has not provided a meaningful review or path to resolution. I am requesting : A full manual review A clear explanation The opportunity to verify Early release of my funds If this matter is not resolved, I am prepared to proceed through PayPals formal Notice of Dispute process and pursue recovery of my funds through small claims court as permitted under PayPals User Agreement. I would prefer to resolve this directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: FL

Complaint narrative:
Our problem is with Loan Care. We are facing a serious threat of have them charge us a one year and four months Force Place insurance and the reason is because they failed to make insurance payment on our house for over a year while collecting payments. Loan Care has received request for payment multiple times from the insurance company. They acknowledged Having received the notices, but have not come up with a valid reason for not having made the payment. Their last reasoning was that they tried to make the payment twice, it didn't go through ; so they moved on while collecting the payments for the past year and four months. Along with the insurance company we tried multiple times talking to them trying to solve the problem. finally on our third attempt we got a call back from a manager. Their response to .the problem is what will benefit Loan Care while we are facing new coverage that is almost double what it was before the cancellation and laps in coverage we have on record now.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
I am disputing a Central Portfolio Control collection account ( XXXX XXXX XXXX XXXX XXXX, account # XXXX ) for {$3300.00}. I do not recognize this account and did not authorize any transaction related to it. I believe it may be the result of identity theft or unauthorized use of my personal information. I sent a debt validation request but did not receive proper documentation verifying this debt. No signed agreement, account statements, or proof linking me to this account has been provided. As this account is unverified and unauthorized, I request its removal from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On or about [ XXXX XXXX, XXXX ], I submitted a formal Notice of Error to the mortgage servicer under 12 C.F.R. 1024.35 regarding the assessment of default interest on my loan. At the time of my request, the loan reflected approximately {$100000.00} in default interest. I requested : The contractual basis for a 35 % default interest rate The date default interest began accruing The method and calculation used to determine the default interest balance Clarification of whether the loan remains accelerated Clarification of whether default interest continues to accrue while I am performing under an active repayment plan A complete life-of-loan transaction history The servicer acknowledged receipt of my Notice of Error but did not provide a substantive response within the timeframe required under federal servicing regulations. I also did not receive any notice of extension. After the response deadline passed, I sent a second written request for a complete response. The servicer has still not provided the requested information. Separately, the servicer provided a response to the Illinois Attorney General regarding this matter, stating that the default interest is valid and continuing. However, that response did not include a detailed calculation, specific contractual citation, or explanation addressing the questions raised in my Notice of Error. I am currently performing under an active repayment plan and am current on required payments. Despite this, the servicer continues to maintain a substantial default interest balance without providing a clear accounting or contractual basis. I am requesting a complete and accurate response to my Notice of Error and compliance with applicable federal servicing requirements.

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 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The transaction for {$540.00} is unauthorized under Regulation E. The account was charged off and sold in XX/XX/year>. I did not authorize any autopay or ACH from my bank. I have always had problems accessing that account. I was never able to access my account on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Full Circle Financial Services, LLC
State: OH

Complaint narrative:
The account in question is usurious interest rates. Never-ending cycle of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: GA

Complaint narrative:
In XX/XX/year> I paid {$7000.00} to XXXX XXXX XXXX XXXX for a XXXX lead generation program for my real estate business in XXXX, XXXX XXXX XXXX Georgia, XXXX through Klarna at 32.99 % APR over 24 months, totaling {$9600.00}. The contract guaranteed leads within XXXX miles of my location in XXXX, Georgia. Instead, the merchant delivered leads from outside Georgia, other states, and other countries completely unusable because my real estate license only allows me to work in Georgia. The merchant admitted their employee did not know how to run XXXX ads and fired him but never fixed the problem. I also spent {$3500.00} on XXXX and XXXX ads that were completely mismanaged. I contacted Klarna to open a formal dispute and they refused, saying the dispute window had expired. Klarna only agreed to report the merchant which is not a formal dispute. I have already paid {$2000.00} in monthly Klarna payments for a service never delivered and still owe {$7600.00}. My total financial loss is {$15000.00}. I am requesting Klarna open a formal dispute investigation and suspend all payments while under review so that the merchant can reimburse me and I can pay off my Klarna balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
About XXXX weeks ago, I placed an online order with XXXX for around {$270.00} using Cash App. The first XXXX attempts didnt go through, even though I had sufficient funds in my account. On the XXXX attempt, the payment finally went through. A few days later, I noticed that the order had been canceled, and it was not canceled on my end. I contacted XXXX, and they confirmed the issue was not on their side. When I reached out to Cash App, I was told the funds should have been returnedbut I never received a refund. I recently reviewed my account again and still do not see any returned amount for that transaction. While I was chatting with Cash App support and explaining the situation ( including the transaction details and amount, and that this has now happened multiple times ), I was suddenly logged out of the app mid-conversation. And cant get in any communication with them to resolve this issue.

Company response to consumer: Closed with explanation