vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Today, XX/XX/year>, while at work, I receive notifications on my phone that my Apple Credit Card and XXXX XXXX XXXX have both been locked and restricted, and that I should contact Apple/Goldman Sachs Support for help. Upon contacting them ( via phone, because the chat agents told me to call as well ), I was told that I needed to complete " verification '', and needed to remain on hold so they could determine what type of verification. The agent comes back, and asks me to confirm my phone number, address, and the state my drivers license was issued. I did not receive notification prior telling me to complete these, and I've had this card for XXXX years now with no issues- paying my full statement balance every month. After I provide these three details, he tells me that he will put a note on my account that I have completed verification, and it will take XXXX business days for the team who handles the restricting to review that note. Also to be clear- that is not XXXX business days until my account is unrestricted, but rather XXXX business days to get a response on the verification I provided. During this time, my credit card and savings accounts are completely inaccessible, and I am not able to interact with them at all. Interestingly enough, the pop-up when your Apple Credit Card is locked reads, '' Spending is Blocked on Your Account : Contact Support to see if you're eligible for payment assistance plans. '' Which I feel is very misleading to the point of predatory, as users may unnecessarily initiate a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On XX/XX/year>, I accidentally made a double payment of my account balance via automatic payments. I realized my mistake immediately. I called the same day to stop the payment. They refused. They told me that it was pending and that call back the next day. I have called every day since then. On XX/XX/XXXX they said that the payment had processed and off a hold. The automatic payment had posted to their bank on XX/XX/year> and was taken out of my savings account with XXXX XXXX on XX/XX/year>. I have had a credit balance of over {$4100.00} since XX/XX/year>. The customer service representative told me they do not send refunds direct deposit only by check. I asked to speak to a supervisor and the customer service representative put me on a XXXX minute hold, came back on the phone and advised me his supervisor will process the direct deposit immediately and he asked for the routing number and account number. I did not receive it and on Monday XX/XX/year>, I called the payment dispute center again. I spoke to a very rude woman that refused to give me her name. She said it would my request on Friday takes XXXX business days. Then it would be another XXXX business days before they pay me back. I was referred to a supervisor XXXX who tried to hang up on me, she was talking over me, she laughed at me and said there was nothing anyone at Citibank could do to get me my overpayment back. I asked for another supervisor and got XXXX ( they refuse, any of them to provide last names or Id numbers ). XXXX was nice enough to listen and try to help and got me to the executive response unit. I spoke to XXXX. He said he will open a case and it would be up to 15 days to have an officer of the bank call me. U can not get my overpayment back from Citibank. They are making interest off my mistake and refusing to give me my money back. Im asking for help. I need the money badly. I had to borrow the money since I didnt have over XXXX in my bank account to pay Citibank . Im desperate and have no where else to turn. Thank you in advance for your help. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
We received an FHA trial modification and paid as directed. The modified payment was {$3500.00}. The lender then advised that they were adding {$1100.00} to payment based on an escrow shortage. We then asked for a breakdown of the escrow charges both verbally and via email. There was a discrepancy between the tax information on the county website and the amount charged by the lender. We requested the reason for the difference and were ignored. The email was not answered or reviewed at all and on the XXXX call asking for an update the representative sent the receipt explaining the difference was due to solar panels financed through the state. We then called the lender and requested a longer spread for the escrow, as {$1100.00} is a large increase and the modification review determined that {$3500.00} is affordable. I called the lender today to get a status update on this request and I was verbally told that we were denied. I asked for this decision in writing, I was told no. I then asked to speak to a supervisor and was told I would get a call back. We have been having a difficult time getting information from this lender, requests are ignored and communication is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
XXXX tricks a user into connecting their XXXX XXXX account before telling them what they already know that there is a balance owed from previously. then they charge you the XXXX dollar fee for the subscription and won't let you talk to any person to cancel authorizations. they make you talk to an XXXX chat bot that is useless. this is deceptive and manipulative and anti consumer behavior. they also changed their name ( previously know as empower ) so the user may not even know it's an app that they already had interacted with previously. they also won't let you delete your connected bank account in their system if you still owe them money from before they changed their name. they already know if you owe them just be transparent and don't manipulate people into connecting accounts and then force them to pay a subscription against their will for a service that doesn't exist..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened an account at XXXX and made a purchase of less than {$30.00}. I never received any statements ; apparently this is very typical with Comenity XXXX as I was told by a cashier at XXXX where she in fact experienced the same and other customers have complained. Never the the less, a statement was received and had a late fee. I disputed it and asked for a waiver and they refused. I got my following statement with a late fee and called. Basically my purchase of less than {$30.00} had balloned to well over {$100.00} with late fees. I accepted it because I have always had good credit and paid the amount and closed the account. I recently got a statement for XXXX and they assessed yet another {$40.00} late fee. They indicated that they got my final payment and charged me yet another {$40.00}. I asked them to waive it since the account was in dispute and I paid off everything in full including {$80.00} worth of late fees. They said they were not allowed to because the account was closed. This credit company has been abusing charges and have failed to mail statements upon account opening then charging astronomical late fees. It's very shameful that this is even allowed as this seems like a ploy to exploit the American public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
b'This company is violating my rights they have not provided validation Information\nUnder 12 CFR 1006.34(b)(5) yet they have placed a collection on your consumer report\nrecently.\ni am stressed out because this company is violating my rights Under 15 U.S.C. 1681s\x022(a), data furnishers are required to report only accurate and complete information.\nReporting unverifiable or inaccurate data is a violation of federal law.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi, I got a truck for someone at budget rental and it was supposed to be for {$330.00}. I dont know what happened with the truck or anything but I agreed to XXXX and somehow I was charged XXXX and now Im in XXXX XXXX and its hard for me to open up a business account or anything now.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I received the 3 attached letters in the mail today, XXXX. I have No IDEA who 'XXXX ' is nor have I cashed a check in YEARS!

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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:
On XX/XX/year>, I mistakenly sent {$2000.00} through Cash App to the wrong user, XXXX XXXX, with the Cash Tag XXXX XXXX The payment was intended for XXXX XXXX, to whom I was repaying part of a loan. I do not know XXXX XXXX and have never had any prior transactions or relationship with this person. Because I regularly send money to XXXX XXXX, I assumed the tag I selected belonged to her. During the transaction process, the system did not prompt or warn me to confirm whether I knew the recipient, even though it was the first time I had sent money to that particular Cash Tag. Immediately after realizing the mistake, I contacted Cash App support and attempted to dispute the transaction and request a refund. However, I was repeatedly directed to automated chatbot responses that placed me in a loop regarding how to dispute the transaction and request that the recipient return the funds. At the same time, I contacted my bank to report the issue. My bank informed me that the transaction was still pending on their end and that they could not stop it until it had fully processed. I continued to seek assistance from Cash App support, but the only guidance I received was to submit a dispute and request the money back from the recipient directly. On XX/XX/year>, the recipient, XXXX XXXX, declined my request to return the {$2000.00}. After this, I was finally provided with a customer support phone number. Since then, I have spoken with several overseas support representatives who have not been able to provide meaningful assistance beyond repeating the same script : asking the recipient to return the money voluntarily. Cash App requires Know Your Customer ( KYC ) verification for its users, which means the company has the ability to identify and communicate with its account holders. Despite this capability, Cash App has failed to effectively intervene or directly contact the recipient regarding the mistaken transfer. I reported the issue immediately after the transaction occurred and have made multiple attempts to resolve the matter. Given that Cash App manages the platform and its users, I believe the company should take stronger action to help recover the funds or facilitate communication with the recipient. This money was part of a loan repayment, and I am currently paying interest on the borrowed funds. Recovering the {$2000.00} is extremely important to me, and I am requesting that Cash App take further action to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
am submitting a formal complaint regarding ongoing escrow calculation errors associated with my mortgage account ( Case # XXXX ). I have been attempting to resolve this issue for over a month and have received inconsistent information from multiple representatives. Despite providing documentation of my actual property tax bill, the escrow analysis continues to reflect amounts that do not align with my documented tax obligation. Additionally, I have received phone calls asking me to return the call, but when I do, no new information is provided, and the calls are concluded without clarification. This has made it extremely difficult to obtain a clear explanation of the calculations being used. I have requested a final written update from the servicer detailing : The calculations used in the escrow analysis The actions being taken to correct any errors The date by which I can expect a corrected escrow analysis or formal explanation My first message was sent XX/XX/XXXX. The rest of the messages were sent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. I received a call XX/XX/XXXX which I missed and called back. Upon calling back I received no help on the matter and the company ended the call while I was on hold. Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I made a deposit into my Citibank account from my XXXX XXXX account. Since that deposit was made, Citibank has been holding my funds and has not allowed me to access my account or the deposited money. I have tried to access my funds but have been unable to do so, and the bank has not provided a clear explanation or resolution. As a result, my money is essentially being held without my permission. This situation is causing serious financial hardship for me. I have important financial obligations that depend on access to these funds, including paying my mortgage, college tuition, and other bills. Because Citibank is restricting access to my account, I am unable to meet these responsibilities. I am requesting that Citibank immediately release my funds and restore full access to my account. I would also like a clear explanation for why my deposit was restricted and why I was not properly notified about the issue.

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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bilt Technologies, Inc.
State: WA

Complaint narrative:
I was alerted to an inquiry on my credit report and received an email from BILT that I had been approved for a new credit card. Since then I have contacted BILT and their card issuer Cardless multiple times. Each time they take my information, say they are going to investigate the matter and email me. They never do. After 2 calls advising them of the fraud they still mailed me a credit card. I filed an identity theft report with the FTC and contacted them again with that information. They have yet to respond. The inquiries are on my credit reports, and I have, as far as I know, an active credit card in my possession with an annual fee attached to it that I did not request and do not want. This is one of many fraudulant applications that occurred, however BILT / XXXX is the only company That has refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXX XXXX owns the servicer XXXX XXXX and they have continued to request documents they deny they obtained. For example the authorization on file enclosed, for XXXX XXXX as well as public record of the Deed transferring to the XXXX XXXX XXXX in XXXX, and the XXXX XXXX XXXX after XXXX and XXXX were deceased, as well as the XXXX XXXX XXXX. No in order to deny and delay and detour XXXX XXXX attorneys played null by requesting the entire Trust and documents over and over again. The televised report of this showed many companies use these tactics and I like that it is a report investigated on TV to help other seniors like myself who now must have justice and restitution. Sighning an Affidavitt Forensic Accountant XXXX XXXX at XXXX XXXX estimated {$16000.00} over charged.at closiing in XXXX. Also the cancellation of debt 1099c from the IRS in the amount of {$69000.00} was not applied to the loan from the date they began servicing was within their servicing dates. {$16000.00} plus {$69000.00} a total of {$85000.00} was inadvertantly or intentionally stolen from XXXX XXXX age XXXX, at the time of closing. I will quote the investigative news reporter as it is said best, the XXXX XXXX XXXX, The Accountant with XXXX, The Title Company ( that recommended I hire an auditor ) and IRS all show hard evidence that XXXX XXXX shamed their servicing position for the federal mortage programs as well as pulled various shannanigans overstepping trusted servicing responsiblities to the public.

Company response to consumer: Closed with explanation