vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, I have been a customer of Bank of America for XXXX years since XXXX. Yesterday XX/XX/XXXX I received my paycheck which was a paper check since it was my first paycheck after XXXX weeks. It is a long weekend and I have to travel. I took the check yesterday on XX/XX/XXXX to the bank and the teller deposited the check and gave me a paper receipt that said I will have {$270.00} available today and the rest on Tuesday XX/XX/XXXX. XXXX hour later I get an email stating none of my funds will be deposited or cleared till XX/XX/XXXX. It is a XXXX day delay on a paycheck from XXXXXXXX XXXX XXXX XXXX XXXX XXXX who has not been paid for XXXX weeks. I only deposited the check because I was told the funds will be available today and XXXX. I would not have deposited the check if the teller told me otherwise. The teller deposited the check and assured me that I will had {$270.00} available today XX/XX/XXXX and the rest on Tuesday, XX/XX/XXXX. XXXX traveling to XXXX today I need this fixed ASAP. XXXX XXXX XXXX should not have to go through this and I want this check cleared and after this I will end all my relationship with Bank of America.

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 2026-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Exeter Finance Payments Not Applied to Principal I am filing a complaint regarding my auto loan with Exeter Finance for a XXXX XXXX XXXX. I believe my loan payments have been improperly applied almost entirely toward interest and fees instead of reducing my principal balance. According to my contract, my original financed balance was approximately {$25000.00}. Since the loan began, I have made thousands of dollars in payments. However, my payment history shows that after early 2024, nearly every payment was applied only to interest, late fees, or other charges, with little to no reduction in principal. As of the latest statement : Outstanding principal balance : {$24000.00} Outstanding interest : {$1800.00} Outstanding fees : {$1600.00} Total balance : {$28000.00} Despite paying a substantial amount toward this loan, the principal balance has decreased by only about {$870.00} from the original amount financed. I am concerned that : payments may not have been properly credited, excessive interest and fees may have been charged, payment allocation practices may be unfair or deceptive, and the loan servicing may violate consumer protection laws. I am requesting that Exeter Finance provide : XXXX A complete payment history and accounting, XXXX A detailed amortization schedule, XXXX A breakdown of how every payment was applied, XXXX An explanation for why almost none of my payments reduced principal, XXXX Verification of all late fees and repossession-related fees charged to the account. I respectfully request that the CFPB investigate this matter and require Exeter Finance to review the account for potential servicing errors or unfair lending practices. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Complaint Against Cash App ( Block , Inc. ) On XX/XX/year>, Cash App 's automated security system erroneously flagged my account for a " Terms of Service '' violation and locked me out of my funds. Fearing the permanent loss of my capital due to their system error, I was forced into executing an immediate emergency withdrawal of {$2700.00} to my linked bank account. Cash App charged me a {$54.00} instant withdrawal fee for this transaction. Crucially, they charged this premium fee while simultaneously experiencing an officially documented, platform-wide outage impacting instant withdrawals for Android users. Furthermore, upon my appeal, Cash App reviewed my ID and instantly reactivated my account, acknowledging their initial lockout was a false positive. I attempted to resolve this through Cash App support, requesting a manual credit of the {$54.00} fee, as I was forced into this transaction purely to rescue my funds from their erroneous system failure. Support agents repeatedly ignored my timeline and copy-pasted generic fee policies, even accidentally pasting their internal macro folder names ( " Language Codeen Folder '' ) into the chat, proving human review is not occurring. I am requesting a manual credit of {$54.00} to my Cash App balance for unfair fee extraction during a known system outage and forced account lockout.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing a formal financial dispute against Affirm , Inc. regarding Loan ID : omup-hsik ( opened XX/XX/XXXX ). The total amount of this financing agreement is {$880.00} ( {$820.00} principal plus {$140.00} interest ). To date, I have already paid {$650.00} out of pocket. Affirm is currently demanding XXXX remaining monthly payments totaling {$220.00} ( broken down as {$82.00}, {$82.00}, and {$62.00} ). The merchant, XXXX XXXX, authorized a return under XXXX # XXXX and provided a prepaid shipping label. On XX/XX/XXXX, XXXX XXXX support staff confirmed in writing via their official customer portal that they successfully received my returned radio back at their facility and were processing a refund. Instead of routing the return credit back to Affirm to close this loan, the merchant has unlawfully kept the physical merchandise, kept my {$650.00}, and closed my support tickets. Affirm 's customer service department refuses to freeze billing or stop the remaining XXXX payments, citing a XXXX timeline limitation from the original purchase date. Affirm is violating fair lending standards by forcing me to pay a total of {$880.00} for an asset they know the merchant has officially repossessed. I demand that Affirm 's Executive Resolution team immediately suspend the remaining payments of {$82.00}, {$82.00}, and {$62.00}, accept my uploaded portal screenshots as physical proof of return receipt, and execute a merchant clawback to wipe out this fraudulent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Hi, I called target circle card to close my credit card. They confirmed on the phone they would close my account after trying to pressure me into keeping the card. It's been several weeks since that call and the credit card account has not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: KS

Complaint narrative:
I am a XXXX resident and was issued a product by Lendly that is labeled as a line of credit. XXXX does not permit online lines of credit, flex loans, or openended highAPR credit products. I have lived in XXXX the entire time this account has existed. I contacted Lendly to request a hardship plan due to financial difficulty. I asked for the account to be closed, interest to be frozen, and for a reasonable repayment plan. Lendly refused to help, continued to demand unaffordable payments, or insisted on automatic withdrawals. I am not refusing to pay. I am asking for a lawful and manageable resolution. The product type and fee structure appear to violate Kansas lending protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: VA

Complaint narrative:
On XXXX XXXX XXXX I woke to check my balance on my direct express card from my Ssdi, when I called at XXXX XXXX my account was missing over {$610.00}, I immediately called direct express reported the problem and looked on my account to see someone had gone in and charged over XXXX different charges to XXXX between XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I locked my card on the app and reported the theft they cancelled the card and I requested a new card to be expedited to me. I also contacted XXXX and reported the fraud as the charges were still in pending status. Direct express looked at the account and denied my claim stating I had made purchases with XXXX before and I had not. I appealed that decision and they told me that I will have to contact XXXX to get my money back. Which I did try that as well. Towards the end of XXXX XXXX contacted direct express and spoke to a rep that was able to go back and look at my account and found that this had happened before between XX/XX/XXXX and and XX/XX/XXXX but in smaller amounts so I didnt notice, he opened a fraud claim for those charges and that claim was accepted and I was found not liable. Contacted direct express again yesterday spoke with a rep who didnt want to hear anything I said and told me that I was out of luck and that they were not going to open my claim back up for the {$610.00} that I was out and when I asked about the letter I requested explaining exactly why it was denied she told me it doesnt matter why and that they didnt have to explain the specific reason and that I wouldnt get anything else other then it was denied. I can only speculate that when they looked at my history ( I have had that direct express account since XXXX ) they saw the charges for August 2025-Jan 2026 and saw purchases with XXXX before they denied it. After I was made aware of those prior charges and I disputed and was found not liable and was credited back this XX/XX/XXXX claim should be looked at again and resolved by sending back the money that was stolen from me, this is my only income and I am at a loss with the way they have treated my claim and me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This morning, XX/XX/XXXX, I attempted to make a payment by phone and was directly transferred to the fraud protection division of Capital One Bank. This is the EXACT same thing that happened to my XXXX XXXX last year ( Complaint # XXXX and Complaint # XXXX ) with the same card/account I've had since around XXXX. My account is frozen AGAIN. When calling to make a payment, after entering information to access my account, I was directly transferred to fraud protection. Same as last year, I can get no questions answered. They will not email a code, they now will not even text a code to my phone... I'm told I need another phone. Realize, I'm calling them on my landline which is easy to ID and holding my cell phone in my hand while they tell me I need a third phone... this is absurd and unacceptable. My phone, my cell phone, my email is all worthless to them - even thought none of those have changed either for XXXX years. I asked what if I was attempting to pay off the entire balance? They still will not let me have access to my account. Later in the stone-walling conversation, I was asked if I would like to make a payment- I asked if I payed, will the card be useable, and was told it would not be. This is the same thing they did twice last year. No reasons or answers to why, no acknowledgement of any information I provide. Now they think I am going to scan and send a copy of a government issued ID card with all information on it along with a " selfie ''. This is not going to happen - I will not send all my information to an unknown person in an unknown location. They have plenty of information on file they could ask me for security but refuse to do so. The more they ask for, the more they deny is valid. Once again, can not use my card, can not do anything with it, and they absolutely will not accept who I am. This IS freezing the account although they deny it. Once again they've taken it XXXX for NO VALID REASON and WILL NOT DISCUSS the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I strongly refute any allegation that I approved these accounts. I was not informed about their establishment and request a full investigation into the process by which they were created.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services
State: NC

Complaint narrative:
I was on Saving on a Valuable Education ( SAVE ) Plan. But under administratiin court order ended the SAVE Plan. This was to be without interest and suddenly I have interest that should not have been while the administration worked on a final decision. The payment plan optio ns are not feasible for any working family given our economy. They also take you income as gross and families do not bring home gross but net. I can not afford the payment plans available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Over the course of XXXX plus years I have been wrongfully charged overdraft fees.

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 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
I am submitting this complaint again because the CFPB portal currently does not provide any option for me to add comments, upload clarifications, or respond to the companys position under my original complaint # XXXX. After the company initially stated that it required additional time to review the matter, the complaint status was later updated, indicating that the company claimed the complaint did not belong to them and that they were not the appropriate entity to address the issue. I respectfully disagree with that position and attempted to submit additional tracing evidence, transaction records, and clarification through my CFPB account. However, the system does not allow me to add any further response or supporting information. Because of this limitation, I am resubmitting the complaint together with my original reference number and attaching all supporting documentation, including blockchain tracing evidence and transaction details connected to the movement of the funds through Binance-related addresses. I respectfully request that this new submission be reviewed together with my original complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a pop-up promotion on my XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX The promotion indicated that there was a {$390.00} discount on a XXXX XXXX XXXX if you chose financing option. There was no indication on that promotion that the 'discount ' was actually just regular financing of the product through Google ( they indicated that you just needed to pay tax on the item which was {$24.00} - I paid through Debit Card ). They sent the item ( mind you besides doing the instructions, there wasn't an agreement of financing of {$390.00} because I have an invoice indicating that only {$24.00} was owed ). The timing was interesting because it was just after a billing cycle hit. Fast foward to my May billing cycle I see an additional charge of {$16.00} on my bill and contact them on XX/XX/year> and when I inquired about it, they told me I financed the watch for the full MSRP of {$390.00}. I challenged this asking them to explain what 'discount or credit ' I received of {$390.00} ( thought maybe the deal was they would credit the amount as they charged it so essentially it zeroed out ) but there wasn't any. The 'credit ' was that you didnt have to pay {$390.00} up front and could pay monthly. Unless my understanding of the definition of 'discount ' or 'credit ' in the English language is, I could have literally financed that watch for the price they charged me for the exact amount I'm being charged without their " discount or credit ''. So I asked to return the product and was told the 'buyer 's remorse ' period ended on XX/XX/XXXX and i couldnt return the product! Supervisor essentially said that same thing. XXXX did a similar thing with me when purchasing my XXXX XXXX a few months earlier ( dont have as much info ) claimed I was going to get free Google XXXXXXXX XXXX promotion and free Google XXXX XXXX and it kept erroring when I tried to sign up for it. Apparently I have a XXXX XXXX ' subscription on my line which gives me XXXX XXXX storage and several other discounts XXXX google has made no secret that they are trying to get rid of this grandfathered subscription. Again, not disclosed that my line subscription was 'incompatible ' with this promotion and was told that in order to get any promotion on the phone THAT I ALREADY BOUGHT I would have to cancel my plan and sign up for a new plan so that they could bill me full price for the things I get discounted as a result of my current plan.

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 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Venmo has had my money on hold for 21 days, they said that my account has permanently been suspended and they will not give me my money thats on the Venmo account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This debt was initially sold to XXXX XXXX I requested debt verification information from them around XX/XX/XXXXXXXX via their website and certified mailing. I never received a response.The debt was then sold again to Midland. I received notification of this in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I entered a 6-month payment agreement with the property after a late rent issue. I made all agreed payments and completed the balance in full in XX/XX/XXXX. I have receipts and payment records confirming the account was paid and settled directly with the property. Despite this, the account was sent to collections and is being reported on my credit. The property had agreed to a payment arrangement, and the balance is now {$0.00}. I have documentation showing the payments and communications confirming the resolution. This collection account was reported in error after the debt was already satisfied. I am requesting an investigation and removal of this inaccurate collection entry.

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> my funds were stolen and withdrawn from my cashapp onto someone else 's debit card. XX/XX/XXXX transaction I'd XXXX In the amount of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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