vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I accidentally sent {$200.00} to the wrong person. I immediately followed the steps to request a refund from the recipient. Cash App has a " Report an Issue '' button that is supposed to notify the recipient of the mistake and ask them to review the request. However, the app provides no follow-up notifications or customer updates, and this issue has now been lingering for almost a week. When I called Cash App support to ask them to review the case and reach out to the recipient, they claimed they don't have customer information and could not contact them. This makes absolutely no sense, considering I know exactly how much personal information they collect from each user to set up an account. After going around in circles for XXXX minutes, I asked to speak to a XXXX, only to be told that there was no XXXX on duty at XXXX XXXX on a XXXX ( XX/XX/year> ) ; which is incredibly suspicious. I was ultimately informed that I need to somehow reach out to a complete stranger myself to ask for my money back. Even though Cash App has the built-in system to communicate and send notifications for these exact requests, they insisted they lack the customer information to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
on XX/XX/year> two transactions where made one for the amount of {$1100.00} and another one for {$1200.00} to a person i do not know trough cash app it looks like some one hacked my cash account and did this fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
I am a borrower on loan XXXX serviced by Dovenmuehle Mortgage. In XX/XX/XXXX I called Dovenmuehle Loss Mitigation and explicitly requested a forbearance, not a loan modification. They mailed me a borrower response package which I completed and mailed back in early XX/XX/XXXX requesting forbearance with deferment of arrears to end of loan. On XX/XX/XXXX I discovered my account showed FORECLOSED status online. I called Loss Mitigation that morning. Their representative and her supervisor confirmed a XX/XX/XXXX approval exists in my account. That call recording is preserved Dovenmuehle 's response to my prior CFPB complaint XXXX now claims no approval occurred in XX/XX/XXXX ( despite the recorded phone call I have preserved ) and that I never responded to a XX/XX/XXXX modification offer. I did receive that XX/XX/XXXX offer and did not respond because I have never requested a modification. These facts are contradictory. A XX/XX/XXXX approval can not exist if nothing was received and reviewed. Dovenmuehle has never responded to two written escalation emails. My account remains in active foreclosure status despite my documented forbearance request, a recorded phone call confirming an approval, and their own written representation in document XXXX paragraph XXXX that foreclosure would not proceed while a complete borrower response package was pending unless denied and appeal period expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Longbridge Financial, LLC
State: AZ

Complaint narrative:
Longbridge Financial provided false and contradictory information in a prior CFPB complaint and denied my legal right to participate in XXXX Foreclosure XXXX XXXX. I attempted to join mediation but was denied because Longbridge failed to list me as a participant, despite having my correct address, my attorneys information, and documentation naming me as Personal Representative months before mediation. The mediation program informed me that only individuals listed by the servicer may attend. Longbridge admitted in writing that they sent the mediation notice to the wrong address ( We sent the Notice to the property address although we had your address on file ). This prevented me from receiving timely notice and directly caused my inability to participate. Their statements contradict their own timeline and their own documents. I am filing a new complaint because the companys prior response to CFPB contained factual inaccuracies and did not address the procedural violations that denied me my legal right to mediation under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Received the physical cards for both myself and for the account holder. Upon activation attempts, the system prompts us to contact Citi. Citi tells us that they will not be able to activate the credit cards without a reference # sent via mail. We have called in to their customer support line on XX/XX/XXXX two times and requested the reference # be resent. It has been over 1 week not including holidays. Still no reference #. We applied for this credit card In XXXX of 2026 and have received multiple statements, but CAN NOT use 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 non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I asked them to stop calling, I've been getting a dozen calls a day different numbers same company, when I spoke with them they constantly kept asking me to verify myself I just kept telling them to stop calling and they are still calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a CFPB complaint against Portfolio Recovery Associates , LLC regarding an alleged debt they are reporting and/or attempting to collect. Attached to my complaint was a formal validation request disputing the legality, ownership, accuracy, and completeness of the account information being furnished to consumer reporting agencies. In my validation request, I specifically requested competent documentary evidence supporting the alleged debt, including the original signed agreement, proof of assignment and ownership, a complete accounting history, proof of legally required notices, and information necessary to verify the accuracy and completeness of the account being reported. I also specifically requested the Date of First Delinquency ( DOFD ), which is a critical reporting field under the Fair Credit Reporting Act and XXXX XXXX reporting standards because it determines the lawful reporting period of the account. Portfolio Recovery Associates responded to the complaint and provided generalized account assertions and limited account information. However, the response failed to adequately substantiate the disputed information with competent documentary evidence. Portfolio Recovery Associates failed to provide : 1. The actual Date of First Delinquency ( DOFD ) ; 2. Documentary proof substantiating the DOFD being used for reporting purposes ; 3. Complete chain of assignment or account-level ownership documentation ; 4. The original signed agreement or contract bearing my signature ; 5. A complete accounting/payment history supporting the balance being reported ; 6. Documentary proof authorizing Portfolio Recovery Associates to furnish or update information concerning my credit file ; 7. Copies of legally required notices with mailing proof or tracking information. Additionally, because Portfolio Recovery Associates claims the account was verified and continues furnishing the tradeline after receiving my dispute, I am now requesting additional information regarding the procedures and methodology used to investigate and verify the disputed information. Specifically, I am requesting clarification regarding : what records were reviewed, whether original creditor records were examined, whether the investigation involved manual review or automated verification, and how Portfolio Recovery Associates determined that the disputed information was accurate and complete for furnishing purposes under the FCRA. Without this information, there remains substantial concern regarding whether a reasonable investigation was actually conducted as required under FCRA 1681s-2 ( b ). Simply confirming information through internal systems or generalized business records does not fully establish the accuracy, completeness, or lawful furnishing of disputed information to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
I am submitting this complaint regarding repossession-related handling, communication failures, and financial hardship concerns connected to my auto loan account. I am a XXXX United States XXXX veteran receiving VA XXXX compensation and Special Monthly Compensation ( SMC ) benefits issued through the U.S. Department of the Treasury. During the period leading up to the repossession-related activity, I was experiencing significant financial hardship, medical complications, and instability connected to disability-related issues and overseas medical treatment. My concern is that the lender failed to reasonably communicate or work with me regarding : hardship options, payment assistance, possible extensions, account resolution alternatives, and reasonable accommodation efforts before repossession-related actions occurred. I also believe there were failures involving : communication transparency, timing, and reasonable opportunity to address the account before severe negative credit consequences occurred. The repossession and related reporting have continued to negatively affect : my credit profile, lending access, utilization, and financial rebuilding efforts as a XXXX veteran. I am additionally concerned that adverse credit reporting connected to the repossession has continued to be used against me in later lending decisions even after corrective repayment activity on unrelated accounts. This matter may involve concerns relating to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., if applicable. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. Consumer Financial Protection Act ( CFPA/UDAAP standards ), 12 U.S.C. 5531. 38 U.S.C. 5301 concerning federal protections associated with veterans XXXX compensation benefits. I respectfully request : review of the repossession handling and communication process, review of hardship assistance efforts and available alternatives, confirmation regarding reporting accuracy, and review of whether the account was handled fairly under the circumstances involving disability-related hardship and federally protected veteran compensation income. Respectfully, XXXX XXXX XXXX U.SXXXX XXXX Veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: MI

Complaint narrative:
The full, chronological details are attached. My XXXX XXXX was increasing every month, from XXXX {$180.00} in XX/XX/XXXX to XXXX {$250.00} in XX/XX/XXXX. On XX/XX/XXXX, I called XXXX Customer Support about the charges and was informed that I had been signed up with a two-year agreement that had not been disclosed to me on XX/XX/XXXX. The representative I spoke with adjusted my services and offered me a package that included all the channels I wanted for $ XXXX. On XX/XX/XXXX, I received an email that my XX/XX/XXXX payment was - {$1400.00}. On XX/XX/XXXX, I received a text notification that I owed {$500.00} and if I did not make a payment, my services would be disconnected. I called XXXX XXXX support again and started the conversation by stating, " I do not authorize this charge. If I am charged, I will sue. '' According to the representative, the previous agent did not submit the work order. She " fixed '' the situation by downgrading my XXXX XXXX, thereby removing XXXX channels at XXXX XXXXXXXX. Prior to confirming the change, I clarified that I would not be responsible for the {$500.00} and she replied " Yes. '' On XX/XX/XXXX, {$500.00} was debited from my Chase checking account. I went to the XXXX branch and filled out a XXXX form. The money has provisionally been put back into my account as of this morning, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got call from XXXX XXXX from bank of america complaints department and missed it I tried calling him back multiple times and did not answer my calls and never called me back, I went to Bank of america XXXX XXXX here in California XXXX zipcode and manager was too busy to talk to me and asked me to call a number XXXX and was on a long call wait and totally unacceptable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: WA

Complaint narrative:
I called XXXX XXXX and made a dispute after I realized that almost {$100.00} had been taken off my card that I had no knowledge of. This happens almost every month if I can't get to withdrawal all of the {$990.00} that XXXX deposits on my card. Companies prey on my card attempting to make numerous withdrawals or charges and I'd bet a lot of other people get scammed this way and it doesn't get refunded because it is such a hassle to get the money back! And the charges and hassle to have your card shut off and a replacement sent out- please help me! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, I received a phone call that appeared to come from a legitimate Wells Fargo phone number ( XXXX ), which I recognized because it is listed on the back of my debit card. Because the number appeared legitimate, I believed I was speaking with Wells Fargo representatives. The caller stated that my bank account had been compromised and that fraudulent purchases were being attempted in XXXX, XXXX XXXX, including transactions involving XXXX and XXXX. I was then transferred to another individual claiming to be part of XXXX XXXX fraud department. The representative told me that my account and personal information, including my Social Security number, had been compromised and that my account could be overdrafted by up to {$5000.00} if immediate action was not taken. He instructed me to move my funds into what he described as a new Wells Fargo account through XXXX XXXX XXXX claiming they were partners with Wells Fargo and XXXX I would receive provisional credits while my original account was being liquidated and replaced. Following these instructions, I transferred approximately {$3700.00} from my account because I genuinely believed I was speaking with Wells Fargo XXXX XXXX. I was told I would receive new account information by email within an hour. When I did not receive any information, I attempted to call back. The calls either rang continuously or went to voicemail. I later contacted Wells Fargo directly and was informed that the calls were fraudulent and that I had been scammed. I have supporting evidence including : Call logs showing the incoming call from the Wells Fargo number The phone numbers used : XXXX and XXXX A recording of my conversation with the individual identifying himself as XXXX XXXX XXXX of the transfers/transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
We borrowed $ XXXX against the $ XXXX value of my home. We were told that we could not add the missed payments to the end of our mortgage. Our home was sold and we did not get the equity left in my home. Thank you for any help. 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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I previously filed a CFPB complaint regarding XXXX XXXX XXXX placing bankruptcy-related restrictions on my account and refusing to assist me through chat. In XXXX CFPB response dated XX/XX/year>, XXXX explicitly stated that the restrictions had been removed from my account because no bankruptcy or attorney information had been provided. Despite that representation, I recently contacted XXXX again through chat to discuss hardship settlement options for the account due to loss of employment and financial hardship. During the chat, representatives repeatedly stated they had limited access to my account due to restrictions and could not assist me. I was transferred between representatives and a manager, and ultimately told that only a separate U.S.-based department could handle my account. After waiting for a manager and transfer, I was then told that the XXXX department was unavailable because the chat support center handling the interaction was located in XXXX. This directly contradicted XXXX prior CFPB response stating the restrictions had already been removed. I repeatedly requested clarification regarding : - whether restrictions still exist on the account, - why XXXX previously stated they were removed, - and why I continue being denied meaningful assistance through chat. I also explained multiple times that I do not have reliable phone access or a stable mailing address and requested accessible written communication through chat or email. XXXX continued directing me to phone and mail communication despite those circumstances. I attempted in good faith to resolve the account and offered a hardship settlement due to financial hardship. However, XXXX failed to provide clear information regarding the account status, failed to explain the contradictory statements, and continued restricting meaningful assistance despite prior representations made to the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
traveled to XXXX XXXX, XXXX, and took a taxi from the airport to my hotel, XXXX XXXX. The taxi driver quoted me XXXX XXXX, which was approximately {$18.00} USD. I tried to use my credit card to pay, and it declined. I then tried a different card, my XXXX card, to pay, and asked to see the card machine. The driver then began to type many things into the machine, which made me uneasy. He then took my card and tapped the machine, and said it would run for XXXX XXXX. Then he turned the machine to face him, took a picture of my card with his phone, and printed a blank paper telling me that the charge had declined again. I then paid him in cash since my cards would not work. I walked into the hotel and immediately checked my card app. That is when I saw the charge for {$2200.00} USD by the company XXXX tours. I immediately called my card and reported the fraud. Not only did I pay in cash, but I was also charged. My credit card is with Barclay 's Mastercard with XXXX XXXX provided no help with this and are demanding I pay the amount even though I immediatly told them the situation while the charge was still pending. At that time they told me to wait 30 days until it clears and file a dispute. They still denied it. The complany, XXXX tours, has not been reachable. I can not file a police report because I am no longer in XXXX and the police station there said I must be there to file a report. XXXX will not take a report because I must first file a police report. with the local authorities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WI

Complaint narrative:
Mohela Over charged me more than {$7200.00} in student loans. I do not owe any money. Mohela owes me the money. I contacted the USA Treasury and they mentioned the money and check is in Mohelas hands. Mohela has to send it. They all kept telling me 90 days, 90 days, ect. Its been 1 year of waiting for my money. I need it. Please help!!!

Company response to consumer: Untimely response