vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
As you can see. I had a balance transfer from XXXX to XXXX for XXXX now, I gave the correct credit card number at the time. But the address was the wrong address. It wasn't some random address it was for XXXX corporate office.so now XXXX charged me XXXX dropped my credit score XXXX points for this and I'm trying to explain all this to my housing lender. I can't believe the timing of this. If you can help thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Company Name : Santander Comsumer USA Vehicle Loan Issue : Company refuses to provide copy of loan documents I have a vehicle loan with Santander Consumer USA. I have submitted two separate formal request for a complete copy of my loan documents, including the original retail installment contract, truth-in-lending disclosure, payment history and all related documentation. Despite these requests, Santander Consumer USA has failed to provide any of the requested documents or even acknowledge receipt of my requests. This is my second written request and I still received no response. I am requesting the CFPBs assistance in compelling Santander Comsumer USA to provide the loan documents I am entitled to as a consumer and borrower. I am aware that Santander Comsumer USA entered into a multi state Attorney General settlement regarding predatory lending and servicing practices. Their continued failure to provide basic loan documentation appears inconsistent with the obligations and consumer protections established in that settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I was informed of this debt collection case when I had my credit ran for a home. Before this I never knew I had debt owed because there wasnt any mail sent to my address. I think this charge might have been for the internet modem, but it was returned to an XXXX location in XXXX, Co. Unfortunately I didnt grab a receipt from them but this can be confirmed via video surveillance. I ended up settling this debt by paying {$80.00} requested just to get if off my credit but Sunrise XXXX marked it as paid and didnt remove this. Thank you!

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NC

Complaint narrative:
Did a transaction on XX/XX/XXXX for {$3000.00} to an XXXX account through abound application. I am reaching out to them daily to which i am getting same response that it is escalated internally, but transaction is still not processed. I am not getting any details on banking partners or anything. Can you please help to resolve the same.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against Ally Financial regarding the handling of my vehicle total loss account. On XX/XX/year> my vehicle was declared a total loss. At that time, the remaining loan balance was approximately {$44000.00}. My insurance company issued a payment of {$39000.00}, leaving a remaining balance. I also had XXXX coverage on the account. Following the loss, I contacted Ally Financial and was advised not to make payments while they submitted the necessary documentation to the XXXX provider. However, my XXXX claim was later denied, and I only received a refund of {$400.00}. This left me with an outstanding balance of approximately {$4000.00} something In an effort to resolve the balance, I made a payment of {$3000.00}, expecting to owe only a small remaining amount. Then paid XXXX shortly afterwards However, I later received notice that my balance had increased to approximately {$6000.00} due to late fees and finance charges. These charges were never clearly explained to me, especially given that I was instructed not to make payments. Now the stating I owe over XXXX. Since then, I have made multiple attempts to resolve this issue. I have contacted Ally Financial numerous times and requested to speak with a supervisor in the total loss department. Despite being told I would receive callbacks, I have not been contacted. On XX/XX/XXXX, I called eight times and was repeatedly transferred or rerouted without resolution. I am requesting a full review of my account, including : A detailed explanation of how the balance increased Consideration for the removal of late fees and finance charges Proper handling and escalation of my concerns with a supervisor I believe I have made good faith efforts to resolve this matter, but I have not received adequate assistance or clear communication. Additionally each time I speak with someone I get different information. As no late fee applied and etc. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am a homeowner currently under an active and documented forbearance plan with XXXX XXXX. Despite being told by multiple representatives over the last several months that my account is protected and that my loss mitigation application is being processed, the company has proceeded with a foreclosure action. I have recently discovered that an auction date has been set for my property on XX/XX/year>. This constitutes a direct violation of federal 'Dual-Tracking ' laws under RESPA ( Regulation X ), which prohibits a servicer from moving toward a foreclosure sale while a borrower is in an active loss mitigation agreement or has a pending application. XXXX XXXX has failed to provide me with a Single Point of Contact ( SPOC ) despite repeated requests and has failed to provide a written decision on my status before moving toward a sale. I have done everything required of me under the forbearance plan. I am demanding an immediate postponement of the XX/XX/XXXX sale date and a formal audit of my account to reflect the protected status I was promised.

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 2026-04-20 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: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I added {$1200.00} to my Cash App balance, planning to pay my rent the next day. On XX/XX/year> I added an additional {$600.00}, total currently inaccessible : {$1800.00}. When I went to pay my rent on XX/XX/year>, the transaction was denied. My account was then suspended and I have not been able to access or move my {$1800.00}. Because of this I have not been able to pay my rent. Cash App support states they have elevated my issue to a specialist and it can take 30 days or more for a response. I can not afford to be out this money for more than 30 days. I have tried transferring the money to my bank account and it is denied. I also tried withdrawing from the ATM, and it was also denied. It also does not allow me to use my Cash App card to make a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On or about XX/XX/year>, {$44000.00} was withdrawn from our account via ACH debit by a third party ( identified as XXXX XXXX XXXX ). This transaction was NOT authorized by us. We have no relationship with this entity and did not authorize any ACH debit agreement. We reported the fraud to Wells Fargo on XX/XX/year>. Wells Fargo denied our claim, stating that too much time had passed under XXXX rules for returning a business ACH transaction. However, Wells Fargo is incorrectly treating this as a late return of an authorized ACH credit. This was an UNAUTHORIZED ACH DEBIT INITIAT $ EED BY A THIRD PARTY, not a payment orginated. Wells Fargo has not provided any evidence that we authorized this debit. We have requested : 1. A copy of the ACH authorization 2. The originator agreement 3. Authentication and access logs These have not been provided. We believe this transaction resulted from a network breach and unauthorized access to our account information. As such, this constitutes fraud involving an unauthorized originator. Wells Fargo has a duty to ensure that ACH debits are properly authorized. Allowing a third party to debit our account without valid authorization raises serious concerns about their authentication and security controls. We are requesting : Reopening of our fraud claim Full reimbursement of {$44000.00} Documentation proving authorization of this debit This matter has also been reported to law enforcement and involves a known fraud pattern ( funds routed through XXXX XXXX XXXX and XXXXXXXX XXXX XXXX ). We are requesting immediate review and resolution.

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 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Today I happen to joining online or register online as my loan was taken over by another company went from XXXX XXXX to rocket mortgage. They have not done a recent escrow analysis at all last one on file XX/XX/XXXX, but yet they increased my mortgage payment by XXXX bucks with no notification and then tried to tell me it was based upon a new escrow analysis. There is no new escrow analysis and lastly the date of purchase is incorrect. I have told every mortgage company Ive had that my house was purchased in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a XXXX credit card, and Wells Fargo was the bank that processed payments. In XXXX, XXXX ended its partnership with Wells Fargo. On XX/XX/XXXX, I paid the remaining balance of {$7500.00} to Wells Fargo for my XXXX credit card. However, XXXX also charged me the same amount, claiming that the balance had not been paid and that it was transferred to my XXXX credit card statement. As a result, I was charged twice for the same balance. XXXX instructed me to contact Wells Fargo to request a refund and repay the amount. I contacted Wells Fargo and waited more than XXXX weeks, but they informed me that the payment correction was declined because the charge was made on XXXX behalf. Wells Fargo refused to issue a refund. Meanwhile, XXXX charged me late payment fees and interest that I should not be responsible for, since the balance had already been paid. This situation has caused financial harm and significant stress. I believe this is a case of improper billing and mishandling between XXXX and Wells Fargo, and I do not know where else to seek help to resolve this issue. I am requesting assistance to correct the duplicate charge, remove all related late fees and interest, and restore my account to the correct balance.

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 2026-04-20 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Unauthorized ACH transactions totaling {$17000.00} were debited from our business checking account on XX/XX/XXXX. These consisted of XXXX identical withdrawals of {$8500.00} each to an entity listed as XXXX XXXX. These transactions were not authorized by anyone within our organization, and we have no relationship with this entity. The following day, XXXX additional identical withdrawals of {$9000.00} were also processed, which caused the account to become overdrawn. This account has never been overdrawn in the more than XXXX years it has been open. The account has a very limited and consistent transaction profile. It typically includes XXXX small monthly XXXX debit to a known utility provider and occasional checks to known vendors. It has never had any other XXXX withdrawals. The sudden appearance of multiple large, identical XXXX debits over consecutive days is entirely inconsistent with the normal activity of this account. No alerts, notifications, or communications were received from Fifth Third Bank at the time these transactions occurred. The transactions were reported as fraud, and a dispute was filed. Provisional credit was initially provided and later reversed after the bank denied the claim. The denial stated that the funds could not be recovered under ACH guidelines for business accounts but did not address whether the transactions were authorized. I requested clarification from Fifth Third Bank regarding how the transactions were classified, what supporting documentation was used in their determination, ACH originator details, and whether a Written Statement of Unauthorized Debit ( XXXX ) or affidavit of forgery was completed. These questions were not clearly answered. After contacting the receiving party, I was informed they were awaiting an affidavit of forgery from Fifth Third Bank in order to place a hold on any remaining funds. This suggests that recovery may have been possible if timely and appropriate action had been taken. After reporting the fraud, we took immediate steps to mitigate risk by closing the account and opening a new account. However, in XX/XX/XXXX, I was contacted by Fifth Third regarding a {$13000.00} check. During that conversation, I was informed that the check had processed against the previously closed account, and the representative was not initially aware that the account had been closed. This raised additional concerns regarding account handling and internal controls. Overall, the claim appears to have been denied based solely on the inability to recover funds, rather than a determination of whether the transactions were unauthorized, whether appropriate fraud detection measures were in place, or whether proper response procedures were followed once the fraud was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a written rate offer by email from XXXX XXXX ( NMLS # XXXX ), then a licensed Senior Mortgage Loan Originator at Mutual of Omaha Mortgage , Inc. ( NMLS # XXXX ). The email was sent from his XXXX address with full company branding and regulatory disclosures. The email contained a written company commitment to provide a no-cost first post-purchase refinance, with Mutual of Omaha paying a lender rebate to cover all third-party closing costs specifically title fees, appraisal, recording, and any applicable state or city transfer taxes. The email stated there was " no time limit '' on this refinance, and represented that the company would " be there '' to help lower my rate when rates dropped. This commitment was material to my decision to close my original purchase loan with Mutual of Omaha at 6.49 % in XXXX, on a Nevada single-family owner-occupied property, loan amount approximately {$640000.00}. In XX/XX/XXXX, with market rates having dropped meaningfully below my rate, I emailed XXXX XXXX to exercise the no-cost refinance offer. He did not respond. I followed up a second time on XX/XX/XXXX ; he again did not respond. I then called Mutual of Omaha Mortgage directly. The representative told me the company would not honor the offer. I asked to escalate the matter and was directed to forward the original offer email to another company representative. I did so, and received no response from that person either. I have since learned that XXXX XXXX left Mutual of Omaha Mortgage and is now employed at XXXX XXXX ( XXXX ). Mutual of Omaha 's stated position to me is that the commitment is a matter " between me and him '' directly, not a company obligation. This was a written commitment made by a licensed employee of Mutual of Omaha Mortgage, on company email, with company branding, during the origination process, and it induced me to close my loan with Mutual of Omaha. The company 's refusal to honor its own written representation and its attempt to disclaim responsibility by pointing to an individual loan officer who has since changed employers is a deceptive practice. The written offer and all follow-up correspondence are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: MA

Complaint narrative:
I had cashed a check online with my cash app account on XX/XX/XXXX for {$440.00} in XX/XX/XXXX in XXXX for the same. These were unemployment checks from the government. The funds were available the check went through. In XX/XX/XXXX of XXXX My statement showed a negative balance of {$440.00}. 7 months later I have a negative balance I have complained several times about this and either have gotten hung up on they don't know what to do or they keep misleading me. Recently my daughter-in-law was trying to send my son {$120.00} accidentally sent it to me even though cash app close my account they took the {$120.00} off of the XXXX leaving me now still with the negative balance. I'm trying to dispute to give XXXX back her money which was not meant to go into my account they will not speak to me because he accounts closed and they are not refunding anything they keep telling me to dispute it when I do it takes me back to the representative saying they're not doing anything I am seeking a XXXX balance and the {$120.00} back to me or return to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related

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 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I entered into a solar panel loan agreement believing it would significantly reduce or eliminate my electric bill. The sales representative made clear promises that my electricity costs would be minimal and that incentives or savings would offset the loan. These representations were misleading and not accurate. Since installation, I am still receiving high electric bills in addition to the monthly solar loan payment, which has created a significant financial burden. The total cost of the system appears to be much higher than originally presented, and I was not clearly informed about dealer fees, interest costs, or the true total loan amount. I have attempted to contact the company multiple times to resolve these issues, but I have not received a satisfactory explanation or solution. The situation has caused ongoing financial XXXX and hardship. I believe I was misled during the sales process and that key financial details were not properly disclosed. I am requesting a full review of this loan, including the total cost, fees, and representations made at the time of sale. I would like a resolution that may include adjustment of the loan terms, removal of inflated fees, or other appropriate relief.

Company response to consumer: Closed with explanation