vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
This is a follow-up to closed CFPB Case # XXXX. The case was closed before we had the opportunity to submit our rebuttal to XXXX 's responses, which contained a critical internal contradiction. XXXX submitted two letters in response to our original complaint : XXXX. XXXX XXXX ( XXXX, XXXX XXXX XXXX ) admitted : " We apologize that the Loan Officer did not express the urgency needed nor the requirement of being paid one month ahead. '' a direct admission of disclosure failure. XXXX. XXXX XXXX. ( Executive Resolution Specialist ) stated : " We consistently provided accurate information regarding the requirements of Budget Drafting. '' a direct contradiction of the XXXX 's admission. Additionally, XXXX XXXX. 's letter references a XX/XX/XXXX letter claiming it informed us our Budget Drafting request was denied. That letter was an ACH autopay confirmation an entirely different program not a Budget Drafting denial. We never received a clear written denial or explanation of requirements until XX/XX/XXXX, five months after our XX/XX/XXXX enrollment request. XXXX 's portal also blocked early payment on XX/XX/XXXX a bank holiday making their suggestion that we " could have paid in XXXX '' factually impossible. XXXX 's own XXXX has admitted the disclosure failure in writing. The only remedy offered was " we regret any confusion. '' We are requesting the CFPB require XXXX to waive the one-month-ahead requirement given their admitted failure, or credit the interest differential lost from XX/XX/XXXX to date.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Fairly new account finally both my job paycheck deposit no access. Tuesday night notice couldn't access my account. After many calls we'll into the night. XXXX person said their was a returned check that could of flagged something. I explained everything is mine. She said ibhave to go into the branch with i.d . which i did. XX/XX/XXXXXXXX XXXX XXXX XXXX. I got to the bank even brought my XXXXXXXX XXXX check book. I had my car payment come of my XXXX account and that's what left me short. She took my i.d and call the fraud department and put a ticked in. I have rent to pay both of my job pay checks are held hostage. I just want to get my money and be done with this bank. Absolutely disgusting once I verified myself. My account is still on hold. Can't even speak to someone on phone says I ran out of phone verifications. Huh? What this bank is a job. Everything is come to the bank where nobody knows nothing their the F.B.I I have no money at all and my rent is due, that's not a good luck for this bank. But who cares right? Nobody Absolutely nobody because it's not their money. I need all my money. My Next step is to reach out to my local news station I'm Absolutely not gon na play these games and I'm a veteran. This bank can not hold my money not there's they did not work for it. People are already on edge with high gas food etc, and know you wan na play with people money? TD BANK the worse bank ever i will be moving my direct deposit back to XXXX ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) and Citi XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Fax : XXXX RE : Complaint Regarding Deferred Interest Charges and Failure of Notice Best Buy Credit Card Account Ending in XXXX To Whom It May Concern, I am submitting this complaint regarding substantial deferred interest charges that were recently applied to my Best Buy/Citibank credit card account . On XX/XX/XXXX, I contacted customer service after discovering that a significant amount of deferred interest had been added to my account balance. During that conversation, I learned that account statements and promotional notices had continued to be mailed to my former address even after I relocated in XX/XX/XXXX. My current address is : XXXX XXXX XXXX XXXX, VA XXXX I opened a Best Buy/Citibank credit card account and made purchases using promotional financing that I understood to be interest-free as long as payments were made during the promotional period. I moved from my previous address in XX/XX/XXXX to : XXXX XXXX XXXX XXXX, VA XXXX After my move, account statements and promotional notices continued to be mailed to my previous address. Because of this, I did not receive billing statements, promotional expiration reminders, or notices warning me that deferred interest would be applied if the promotional balances were not paid in full by the expiration dates. On XX/XX/XXXX, I contacted customer service after discovering that substantial deferred interest charges had been added to my account. During that conversation, I learned that statements had continued being sent to the outdated address. I was unaware that retroactive deferred interest was accumulating on the account because I was not receiving the statements or promotional notices. Had I received proper notice at my correct address, I would have taken immediate action to pay the promotional balances before the deferred interest charges were triggered. I am not disputing the original purchases and remain willing to pay the principal balance owed on the account. However, I believe the retroactive deferred interest charges are unfair under these circumstances because I did not receive the statements or expiration notices necessary to reasonably avoid those charges. I am requesting review and consideration for waiver or reduction of the deferred interest charges and an opportunity to resolve the remaining principal balance fairly.

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 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Netspend Corporation
State: PA

Complaint narrative:
I ordered items from the company XXXX XXXX and the items were delivered to the wrong address.I contacted the shipping provider XXXX and they didnt want to help meXXXX XXXX refuses to refund me also.

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 2026-05-07 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: FL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX and arranged to buy a XXXX XXXX for XXXX ; with XXXX down and XXXX financed. I went to the dealership where XXXX XXXX, the finance XXXX, attempted to sell me an extended warranty for approximately {$2800.00}. I declined this coverage. I then signed all the paperwork to buy the car for {$53000.00} total and wrote a check for {$5000.00}. The loan amount on the contract was for the agreed {$48000.00}. XXXX weeks later I checked my loan balance and saw that it was over {$51000.00}. I called XXXX XXXX and the dealership to see why it was incorrect. I discovered that after I left the dealership, XXXX XXXX created a new contract that did include the warranty I declined. He then forged my signature multiple times on multiple documents and submitted a new forged financing document to XXXX XXXX. I have copies of all of these documents. I have informed XXXX XXXX and the dealership of what happened but neither of these companies have admitted the wrongdoing nor fixed the problem. I have filed a police report with the 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 explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am the successor in interest for a vehicle loan following the death of the primary borrower. The company has confirmed receipt of all required legal documents, including the death certificate, executor paperwork, and assumption authorization. I have been in constant contact with the bank and have made several payments which were successfully withdrawn from my account. Despite this, the company has placed the vehicle in active repossession status and assigned it to a tow company, demanding a lump-sum payment of {$3800.00} to stop the recovery. The bank refused to grant a hardship extension or a temporary stay of repossession while they process the paperwork they already possess.I have made four urgent attempts to resolve this this week calling twice on Monday, XXXX, and twice on Tuesday, XXXX specifically requesting to speak with a supervisor. Despite the extreme urgency of an active repossession, no supervisor was made available, and I have received zero return calls. I intend to pay the full balance of {$5700.00} to XXXX the account by XX/XX/XXXX, but the company is refusing to pause the tow order. Additionally, the company sent the formal repossession notice to the deceased borrowers address despite having my contact information on file. I am requesting an immediate stay of repossession and a manual review to reconcile my payments and finalize the assumption.

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 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage company Newrez took over our previous mortgage company Caliber Loans. The payments continued the same which includes our home insurance. This 2nd home ( XXXX XXXX ) was purchased XX/XX/XXXX and the insurance premium disbursement are as follows : Transaction Date Amount Due date XX/XX/XXXX {$2100.00} XX/XX/XXXXXXXX XXXXXX/XX/XXXX {$3500.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} XX/XX/XXXXXXXX XXXXXX/XX/XXXX {$360.00} XX/XX/XXXX ( fees charged from our Escrow for lapsed insurance ) Our former company once told me not to get alarmed with notices received from the insurance company as they sometimes send it out but they first send to the mortgage companies who are responsible for the disbursements. I was concerned yet waited a bit. When I received it again I reached out to Newrez. They then stated that they were not responsible and I am responsible for reaching out to my insurance. I relayed that I don't have control over those payments and that I pay my mortgage extremely early so that disbursement can be processed way ahead of time. I then called the insurance company in XXXX with the Newrez attendant online. The insurance agent told the Newrez agent that a letter was sent out. The Newrez agent stated that they did not receive it and that they automatically provide insurance until we present our new insurance. We discussed for a while and the insurance agent did agree that that was unfair, however she helped me get reinstated that same day. We have been charged for the lapse that we did not have control over. Newrez have refused to acknowledge their error. Can you please help us get reimbursed for this funds that we have been forced to pay unfairly?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I borrowed {$1400.00} on XX/XX/XXXX and was given a schedule of $ XXXXand change to be debited form my account every two weeks u til paid off. Showing it would take approximately 1 year to pay off. I signed the loan agreement, my first payment was said amount and now the second payment they are debiting is {$420.00}! I would have never agreed to repay that as I can not repay that. And only {$10.00} of it goes to principle. I was NOT given a copy of my signed agreement, I can not access any signed payment agreement in the customer portal either.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year>XXXX at XXXXXXXX XXXX, I made a purchase at XXXX XXXX XXXX XXXX ( an authorized XXXX XXXX retailer ) located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX, phone XXXX. The total amount of {$1200.00} was charged to my PNC XXXX debit card ( Approval Code XXXX, Transaction # XXXX, Batch # XXXX ). The purchase included an XXXX XXXX XXXX, phone activation, a custom case, and a screen protector. The XXXX XXXX XXXX turned out to be defective the battery would not hold a charge and the phone was unusable. I attempted to return it to the store within XXXX XXXX 's official 30-day return policy, but the store refused, falsely telling me the return window was only 7 days. I contacted XXXX XXXX customer support multiple times in writing and escalated the issue, but no resolution was ever provided. On XX/XX/year>, I filed a formal dispute with PNC Bank ( reference number # XXXX ). PNC confirmed receipt and told me the investigation could take up to 90 calendar days. It has now been nearly three months since I filed the dispute. PNC has not issued any provisional credit to my account. When I contacted PNC support today ( XX/XX/year>XXXX ), I was told the dispute is still open and active, and that no provisional credit was applied at any point. The agent stated PNC can not manually add a provisional credit. Under Regulation E ( 12 CFR 1005.11 ), when a financial institution can not complete an investigation of a debit card error within 10 business days, it must provisionally credit the consumer 's account within 10 business days while the investigation continues. PNC has not done this, despite the investigation being far beyond that timeframe. I am an XXXX XXXX XXXX XXXX XXXX XXXX The missing {$1200.00} is needed to pay my tuition for this semester. Without resolution, I am at serious risk of being unable to pay my balance, losing my student status, and being XXXX XXXX XXXX XXXX XXXX XXXX. I have no family in XXXX XXXX and no other source of financial support. I have full documentation including the original XXXX debit card transaction receipt ( {$1200.00} charged on XX/XX/year>XXXX ), the merchant invoice, my email correspondence with XXXX XXXX, and the PNC dispute confirmation, all available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: South Carolina State Housing Finance and Development Authority
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX XX/XX/year> South Carolina State Housing Finance and Development Authority RE : DEMAND FOR CERTIFIED COPY OF ORIGINAL PROMISSORY NOTE On XX/XX/year>XXXX I received a reply that did not fully answer my questions, therefore it was not fully sufficient. I request that I receive a full response to my request because a half response is deemed to be a non-response and a non-performance of your obligations. Loan No. : XXXX, XXXX Borrower : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, SC XXXX Dear Sir/Madam : Pursuant to my rights under RESPA, UCC 3-301 ( right to demand production of instrument ), and common law right to inspect documents I executed, I demand you provide : 1. CERTIFIED COPY of the original promissory note including : - Front ( all pages ) - Back ( showing all endorsements ) - Any and all allonges attached to the note - Certification that copy is true and accurate reproduction of original in your possession 2. State the the following, I need the : - Current physical location of original note - Name and title and address of person in possession Sincerely, XXXX XXXX

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 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have the 3 transactions that I tried to dispute with XXXX with the same person XXXX XXXX with XXXX ID XXXX on XX/XX/XXXX : we had 3 transactions of {$1100.00}, {$100.00}, {$1700.00} ( see attached transaction screenshots ), the vendor was not able to send us any product or service afterwards. whereas XXXX refuses to open disputes. I have tried to file disputes through my banks as well, and XXXX and XXXX also reject my refund/dispute requests saying it is XXXX could initiate and reverse the charges. Can you please help me investigate this case? The vendor is clearly a scam/fraudster.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-05-07 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: VA

Complaint narrative:
I had a Cash App account linked to my Debit Card, I ONLY used Cash App to make purchases online or to send money to family members, A company called XXXX hit my Cash App card for the amount of {$29.00}, the money wasnt on the card ( I only transferred money to Cash App for whenever I was going to make a purchase ) since the Money wasnt on the card Cash App went into my Bank account and transferred the money and paid this company ( ALL OF THIS WITH NO AUTHORIZATION AT ALL ) When I noticed this the next day from checking my bank account I immediately contacted Cash App to discuss it and filed a Complaint with them about this, they sent me a email the next day saying they would TEMPORARILY deposit the money back into my bank account, it showed up the next business day, I called my bank about it and reported it to them and put a Block against Cash App, the next day I received a email from Cash App saying that they denied my claim and was reversing the transaction and some type of way they were able to take the funds back out of my bank account ( during all of this I had unlinked my Debit Card from Cash App and they were still able to take the {$29.00} ), I filed a Fraud Claim against Cash App thru my bank and contacted Cash App again ( they refused to talk to me about it ), I had to cancel my Debit Card, I still havent received any response from my Bank as of yet and still out of {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Climb Credit Inc.
State: GA

Complaint narrative:
In XXXX, I took out a loan through Climb Credit to attend a XXXX program offered through XXXX. I was led to believe that the program would significantly improve my chances of obtaining employment, including representations about job placement outcomes. I was unable to repay the loan and the account was sent to collections. Recently, I have been contacted by a company claiming I owe approximately {$3900.00}. I can not determine the true name of this entity but all I was told is that their company name is XXXX XXXX XXXX. During these calls, the company has engaged in concerning and potentially unlawful behavior : They stated that there are allegations against me, which is misleading and implies criminal wrongdoing for a civil debt They pressured me into entering a 26-month payment plan by stating it would clear my name and put the claim on hold When I asked for the payment plan installment in written form, I was DENIED. They stated they can not provide me with that, but instead recorded my voice agreeing to pay. They threatened to proceed with legal action in XXXX XXXX if I do not continue payments They contacted my mother and disclosed information about my situation, and stated they would locate me at her residence When I asked this company for their name and address, they told me their company name is " XXXX '', when I asked for their address at which they're located they refused to answer me because they need to " protect their employees ''. I felt intimidated and coerced into agreeing to a payment plan under pressure and fear. Additionally, this loan is tied to Climb Credit, which has been the subject of enforcement action by the Consumer Financial Protection Bureau for deceptive practices related to marketing job placement outcomes and program quality.

Company response to consumer: Closed with explanation