vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On or around XX/XX/XXXX, I submitted a payment from my bank to Capital One to cover the minimum payment on my credit card. On my XXXX statement, I saw that the payment had been received by Capital One and then sent back to my bank account under the description " Returned XXXX XXXX Payment. '' I called my bank to determine whether my bank requested the funds back, but I received confirmation that this was not the case. I called Capital One to demand an answer as to why they would return my payment and then charge me a late fee. The representative I spoke with was unable to assist me in getting to the bottom of why this happened. Seemingly, this issue was fixed when I submitted another larger payment. I've received my XXXX statement and the same issue has occurred. A payment from my bank in the amount of {$74.00} was posted on XX/XX/XXXX with the same amount being sent back on the same day under the name " XXXX XXXX XXXX XXXX. '' I have once again been charged a past due fee of {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest disclosed my nonpublic auto loan account information to a third party who is not an authorized borrower or authorized contact on my account. He was given my recent payment details, amount owed, and account status after only providing my name and the last four digits of my Social Security number.I escalated the issue to a supervisor, requested preservation of the recorded calls, and asked for stronger account security. I was told no complaint case number could be provided and that no additional security protections could be added beyond account notes, despite my concern that representatives are not reviewing notes before disclosing information. I am requesting written findings of what was disclosed, confirmation the calls were preserved, stronger authentication procedures, and executive review for a goodwill adjustment of recent late payments as part of resolving this servicing and privacy failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had unauthorized charges and Wells Fargo refunded the charges, but they just sent me a letter saying it wasn't fraud so they are taking all the money back.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I am filing a complaint against MoneyLion regarding duplicate and unauthorized withdrawals from my account. On or around XX/XX/XXXX, a payment of {$510.00} was taken from my XXXX bank account. Then on XX/XX/XXXX, after my XXXX XXXX account was paid off, MoneyLion also took an additional {$750.00} from my account, which included the same {$510.00} amount that was already paid. This resulted in the same {$510.00} being charged XXXX. After I contacted MoneyLion, a representative acknowledged the duplicate payment and stated it would be corrected. However, the issue has not been properly resolved, and I have not received my refund. I did not authorize multiple payments for the same balance. These duplicate withdrawals have caused financial hardship. I am requesting a full refund of the duplicate {$510.00} charge and confirmation that no further unauthorized withdrawals will occur

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Tried using Western Union online for the first time, they quoted transfers within minutes! After 8 hours money still wasn't transferred and represented explained they were having issues with gcash ( XXXX way of currency exchange ). XXXX confirmed transfer was not completed and back office was aware. I instructed agent cancel this transaction, you promised minutes and it's been hours, agent gave me a timeline of 3-5 days, I said ok .. no problem just cancel transaction and close my account entirely! I received confirmation email and then the next day almost 24 hours after, I received an email stating, we delivered your funds! That is against your policy and federal law for remittance!! Western Union still refused to follow their policies and what is written in to law!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
RoundPoint Mortgage Servicing LLC misapplied my mortgage payments, which caused my account to appear past due even though I made all payments on time and in fact paid a month in advance. On XX/XX/year>, a RoundPoint representative confirmed that my payments had been misapplied due to an internal error and assured me that a letter would be issued clarifying that the delinquency reporting was the result of RoundPoints mistakenot mine. I was told that RoundPoint would issue a written letter on company letterhead confirming the error so that I could correct the inaccurate information appearing on my credit reports. Despite at least five followup calls, and repeatedly broken promises that I would have it in two days, I have not received this letter. It has now been three weeks since the promise was made. Because RoundPoint has not corrected its mistake or provided the promised documentation, the inaccurate delinquency remains on my credit reports. This is causing ongoing harm, including damage to my credit score and impacts on my ability to obtain a mortgage for a new home I signed a purchase agreement to purchase. RoundPoint was made awa re of the harm its actions have caused and the need to quickly send a letter addressing it. As of today, over three weeks have passed without receiving the letter. We have called more than five times. Each time, we are assured that the letter will be provided right away, and yet we still have not received it. This documentation is urgently needed so that I can correct the inaccurate information appearing on my credit reports. The delay is causing ongoing harm, including impacts on my ability to obtain a mortgage for the new second home I am purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
My bank account was frozen on XX/XX/year>. The first two times I called the agent sai it was blocked and they had unblocked it for me but didnt work either time. The third, fourth, fifth, sixth time, maybe more, they too Me my account was frozen and should be unfrozen within 34-48 hrs but woukdnt give me a reason why they froze it. On XX/XX/year> I called and said I needed to go to a branch and they should be able to get it unfrozen, still no answer as to why they froze my account. XX/XX/year> i get a ride to XXXX us bank, I have no vehicle at this time so that was a hassle in itself, I got there and waited over literally an hour of standing there while the banker was on hold with another us bank fi that long. Sh asks me if she wants me to jus call her when she find something out i said yes and I get a call from her shortly after I got home and she said the lady wouldnt give her any info to tell me as to why my account is frozen snd I have to wait another 24-48 hours while investigation is still going on. I have had no access to my money for 6 days now, no way of getting food or necessities or paying bills and have already added up two fees from two different vendors due to not being able to pay those bills. I have done nothing wrong for this bank to refuse me access to MY money!

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I contacted Lakeview LoanCare about paying off a large portion of my mortgage to get the PMI dropped. I called multiple times to help me calculate the amount needed to remove my PMI. After i made the payment, they asked i pay {$300.00} for a BPO because this was a part of their process. To me this felt like a formality asnd while talking with the operator i asked is this typically goes favorably, i have a new construction home in a neighborhood where the lowest value home is $ XXXX. I didn't think there would be any issues, my home is XXXX XXXX XXXX at this time. However, their BPO came back XXXX under my home 's value, and they are unable to cancel my PMI. This just feels very scammy. I tried calling and talking to them, i tried to get documentation to help me understand. The BPO is absolute garbage ; this is not even close. Today I just received my new home appraisal from the state ; they are saying my home went up $ XXXX in value, so I'll be paying an increase in taxes on my home value. It feels awful Lakeview Loancare is a scam company that just really wanted to amke and extra {$300.00} off me, and have no intention to cancel my PMI because its free money for them, it's an extra {$200.00} a month for them to provide and do nothing. They are impossible to work with, they do not care. Heartless corporation that just wants to scam you out of money. Also, to note, I did not choose this mortgage company ; my mortgage was sold 3 times, this is just the last company to have my mortgage.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request Dear Jefferson Capital System LLC, I am writing in response to your communication regarding the alleged debt of {$950.00} for a cell phone account. I am requesting that you validate this debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide me with the following information : 1. The exact amount of the alleged debt. 2. The name of the original creditor. 3. Copies of any documents showing that I am legally obligated to pay this debt. 4. Any judgment details ( if applicable ). 5. A complete payment history, including any fees, interest, or charges applied. Until you provide the requested validation, you must cease all collection activities, including reporting this debt to any credit bureaus. Please also ensure that all future communications regarding this matter are in writing only at the address listed above. Thank you for your prompt attention to this matter. I look forward to receiving the requested validation within the timeframe required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am filing this complaint against Hyundai Motor Finance for inaccurately reporting a repossession on my credit report related to a leased XXXX XXXX. Approximately 18 months ago, my wife was involved in an accident while driving the leased vehicle. The vehicle was towed to a tow yard and held pending inspection by our insurance company. Before the insurance company completed its inspection and claim determination, Hyundai Motor Finance retrieved the vehicle from the tow yard and later reported the vehicle as a repossession on my credit reports. This was not a valid repossession. The vehicle was part of an active insurance claim and was ultimately declared a total loss by the insurance company. I did not voluntarily surrender the vehicle, and I was not notified that Hyundai Motor Finance intended to repossess or dispose of the vehicle. I did not receive any repossession notice or any required notice of disposition. Hyundai Motor Finances reporting is inaccurate and misleading. I have disputed this issue multiple times directly with Hyundai Motor Finance and requested correction, but they have refused to remove the repossession entry. I also involved the insurance company in an attempt to resolve this, but Hyundai Motor Finance still refuses to correct the credit reporting. This inaccurate repossession has harmed my credit profile and caused financial damage. I am requesting that Hyundai Motor Finance : 1. Immediately remove the repossession entry from all credit reporting agencies ; 2. Provide written confirmation that the correction has been completed ; 3. Provide a written explanation of how and why this repossession was reported when the vehicle was involved in an active insurance total-loss claim. I believe Hyundai Motor Finance is violating the Fair Credit Reporting Act by furnishing inaccurate information and failing to correct it after notice of dispute.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Solutions Group, LLC
State: AZ

Complaint narrative:
I am being pursued for a debt I do not owe by Recovery Solutions Group on behalf of XXXX XXXX. I did not hire XXXX XXXX, did not sign any agreement authorizing their services beyond an initial plumbing-related inspection, and did not approve any expanded work. Their involvement was initiated by a plumber without my consent. After my insurance denied coverage, they continued work without authorization and are now attempting to collect payment. The collection agency is relying on a document that does not authorize the services being billed. I have formally disputed this debt and requested validation. They have failed to provide proof that I authorized the work. This appears to be an attempt to collect an invalid debt through misrepresentation of a limited authorization document. Additionally, publicly available consumer reviews reflect similar patterns of conduct by this company, including unauthorized work and attempts to collect payment without proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I am submitting this complaint regarding Capital One Auto Finance and their continued reporting of an account on my credit report that has not been properly verified. This account is being reported as a charge-off with a balance of approximately {$20000.00}, including a repossession status. However, I previously sent a written dispute directly to Capital One over 60 days ago requesting full validation of this account. I have received no response. Despite this, Capital One continues to report this account as accurate to the credit bureaus. There are several serious issues with how this account is being reported : 1. Failure to Respond to Dispute I made a formal written request for verification of this account, including documentation such as the original loan agreement, payment history, and proof of the repossession process. Capital One failed to respond. Continuing to report the account without responding raises serious concerns about whether a proper investigation was conducted. 2. Lack of Verification To date, I have not been provided with any documentation showing that this debt is accurate, that the balance is correct, or that Capital One has properly substantiated the repossession and charge-off status. Without documentation, this account is unverifiable. 3. Potential Inaccuracies in Reporting The account reflects a high balance, charge-off amount, and repossession, yet there is no breakdown or explanation of how the balance was calculated. Additionally, the reporting appears inconsistent, including changes in balance and activity without supporting records. 4. Continued Reporting Without Proper Investigation Under the Fair Credit Reporting Act ( FCRA ), once a dispute is raised, the furnisher is required to conduct a reasonable investigation before continuing to report the account. Capital One has not provided any evidence that such an investigation was conducted. The said vehicle a XXXX XXXX XXXX was allegedly resold at {$1000.00}. I would like details of this sale, the method and to whom it was sold and when. At this point, I am requesting the following resolution : * Immediate deletion of this account from all credit reporting agencies if it can not be fully verified * Or full validation of the account, including : * Original signed contract * Complete payment history * Documentation of repossession procedures and the vehicle resale process * Detailed breakdown of the balance I am not seeking generic or automated responses. I am requesting actual documentation supporting the accuracy of what is being reported. If Capital One is unable to provide proper verification, they must cease reporting this account immediately. This matter has already been ignored once, and I am now escalating it through the CFPB to ensure proper handling. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing a complaint against Citibank regarding the closure of my primary checking account and the delay in receiving my remaining funds. On XX/XX/year>, Citibank closed my account. At the time of closure, I was informed that the remaining balance would be returned to me via mailed check within XXXX business days. However, I have not received the funds, and I have not been provided clear or consistent information regarding : The exact remaining balance in my account Whether my account is fully closed or still in a processing closure status The status or expected mailing date of the refund check Any specific reason for the delay or whether additional internal review is required This account was my primary banking account, and the funds are needed for ongoing living expenses. The lack of access to my money and the absence of transparent updates has created financial stress and uncertainty. I have attempted to obtain clarification directly from Citibank but have not received meaningful or timely resolution. I am requesting : 1. Immediate confirmation of the exact remaining balance owed to me 2. Written confirmation of my account closure status 3. The specific date the refund check will be issued and mailed 4. Tracking information once the check has been sent 5. Expedited release of my funds without further unnecessary delay I am seeking full and timely resolution of 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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX filled a dispute with chase bank about some charges from XXXX so was given a temporary credit and then was told a few days later that i would get to keep the funds and then on Monday XX/XX/XXXX funds were removed from account With no notification. I didnt even get to receive my tax refund because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: NC

Complaint narrative:
On XX/XX/year> {$1600.00} was taken from my Cash App account and sent to a person I do not know and have never interacted with. I did not authorize this transaction, and no one else had permission to use my account. This was an unauthorized transfer caused by someone gaining access to my account without my knowledge. I immediately contacted Cash App and filed a dispute. Cash App denied my dispute and claimed that my account was not compromised and that the payment was authorized using a Security Lock. This is incorrect. I did not approve this payment, I did not authorize any Security Lock action, and I did not know the recipient. I requested information and evidence from Cash App, including device logs, IP addresses, and authorization data, but they did not provide it. I am requesting that this transaction be fully investigated and that the {$1600.00} be refunded to me.

Company response to consumer: Closed with explanation