vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: MI

Complaint narrative:
I recieved my escrow anaylsis in XX/XX/year> that showed a shortage of approximately {$5700.00} indicating the payment amount would increase monthly by approximately {$1000.00}. After reseaching this I discovered that the real estate agent did not correctly fill out or file by primary residency status with the XXXX XXXX. I was able to update the paperwork with XXXX XXXX and they issued a refund of {$1600.00}. Which was paid to the XXXX  shortage on XXXX XXXX 2025. However since all of this has started I advised the lender that I would not make another payment until this was resolved due to the increased amount they were requesting. The lender advised there would be no late fees due to this situation. I have been assessed late fees totaling {$46.00}. This situation may also be affecting my credit rating. I will be getting a copy of my credit reports and disputing any late reporting from Loancare.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have talked to XXXX different people and customer service XXXX different supervisors I've talked into the online support and no one can help me I can not add a bank account to transfer my money out I can not use my ATM card I can not transfer the money to someone else 's account and I can not use my own debit card and there is {$700.00} that is in that account and that I keep getting told by their representatives that it's just a system error and I have to just wait for the system to reset. I've explained that I am XXXX hours away from home with my child and that I need to withdraw my funds they need to transfer it out or close my account or do whatever they need to do, I've verified my identity through my debit card through my driver 's license, on the phone, and no one can give me an answer as to why this is happening other than the system is automatically declining it. I need access to my funds this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Cypress Creek Financial, LLC
State: TX

Complaint narrative:
Dont want the pay day loan to have access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for an international credit card for a trip I had to XXXX. The card was the Citibank XXXX card. The only purpose of requesting this card was for my trip. The first time the card was issued, it never got delivered. I immediately went to the local branch and was told that the first card was returned to them as the address for delivery was not properly printed on the envelope. On XX/XX/XXXX I received a letter stating that there had been suspicious activity on my card that I had not yet received. A few days later I received, but could not activate the card without a reference number. I got the number and called on XX/XX/XXXX before my flight and was told that the reference number I received was not for this card, nor could they issue me a new number to use. This was the day of my travel, therefore I had to leave without the card I had applied for only for this trip. Upon return from my trip I see that I am still being charged the membership fee for the card even thought I had expressed to Citibank that I no longer wanted the card, nor could I even activate to use. Instead of canceling the card they insist that I must pay the {$95.00} fee because the cancelation request was after XXXX  days. I could not cancel before than as I was out of the country for nearly a month. I have been a Citibank customer for nearly XXXX  years, have great credit, as well as multiple accounts with the bank. This was incredibly disappointing and I may change banks from this experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I received a {$30.00} American Express gift card from my employer but have been unable to spend it. American Express 's website claims that their cards can be spent at major retailers such as well as several local businesses, but I the card has been declined everywhere I've tried to spend it, including XXXX, XXXX, XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On Saturday XX/XX/XXXX I opened a checking account online with Huntington bank and used mobile check deposit to deposit a court settlement check that i had received from my attorney. 
The Huntington website shows that on XXXX  XX/XX/XXXX id have access to use the funds. Per explained in their mobile deposit user guide. 

On XXXX  XX/XX/XXXX XXXX The money is in my account as promised but accessing it as I desire is an issue. I try spending it online and Only my first attempt is successful. After that i run into nothing but issues. I speak with customer service and they tell me there are no holds on my account. 
XX/XX/XXXX XXXX I try using my tap to pay feature to get cash back and I get declined with {$100.00} showing in my account. 

XX/XX/XXXX XXXX I then drive XXXX minutes out of my way to Huntingtons XXXX XXXX Location and walk up to Huntingtons atm and immediately was able to withdraw {$20.00}. 

XX/XX/XXXX XXXX I speak with customer service again. I am told that there are no holds on my account and that I should be able to use the funds as I desire. 

XX/XX/XXXX XXXX I am across town and feel it's probably a good idea to withdraw the rest when I am near the XXXX XXXX XXXX, MI Huntington Location. 
Walking In the bank doors i try to access my app and its not letting me log on. 
I walk inside and try to withdraw and I am told without any notice they're closing my account. 

XX/XX/XXXX XXXX I call customer service and they tell me that they are closing my account. That a notice and a check for the money I have left in the account are being mailed to me. 

XX/XX/XXXX XXXX I speak with my landlord about the issue i am having with my bank. 
They say that they will not extend my rent payment. That i will incur a {$100.00} late charge if not paid today. Also told me that If rent is not paid by XX/XX/XXXX I will also owe a {$200.00} eviction fee. 


Considering Huntington has terminated access to my account. I can not upload any documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I opened this account with Destiny and immediately the fees and interest were excessively high.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had issues with my checking/savings account, the bank wanting proof of citizenship but not notifying me they wanted that and freezing my account. Everything got rebounded. I always like to pay my card every time I am able to and do it frequently. The day before my planned travel outside the country I did a payment to my card of {$200.00} in advance as usual. I traveled out of the country on XX/XX/XXXX and came back on XX/XX/XXXX, at some point I received an email notification that they had issues with my bank and my check was rebounded. It wasnt until I got home that I was able to fix that issue with my checking/savings account. 

Due to the rebound check, the bank charged me {$30.00} fee for the XXXX attempts they made to cash that payment check I made the day before my travel. After sorting out the mess with my checking/savings account I spoke to my credit card bank several times to get that fee waived. The XXXX  time they told me to wait for XX/XX/XXXX to waive that fee that it is when it would show up in the billing. I contacted them on that date and was told to wait another day. I contacted them the next day and the fee waive was declined. At the end of billing, another fee for taxes got added onto that statement which I havent seen that happen to my account in the past, and apparently its due to not paying. I have always made my payments on time and even paid more. I stopped making payments due to the issues with my checking/savings account and waiting until the previous payment I made waiting for that {$200.00} to show in either account and the {$30.00} waived. 

I dont understand the reasoning behind having to pay a fee to the bank because they were trying to charge to my account. Im already paying them to provide me with a service ; Im not paying them to charge me fees every time they need access to my account. I did not authorize to be charged a fee anytime they want access to my account the only authorization I have given is when I make payments to the card the amount stipulated I owed them for using them as a means of transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I think the total amount left in my account was {$600.00} or {$700.00} Bank name Huntington Bank XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
Hello, I am submitting updated information for my dispute regarding the fraud record appearing on my Early Warning Services report related to a XXXX account. 
Account & Incident Details Bank : XXXX Account Type : Checking Incident Date : XX/XX/year> Instrument : Money Order Amount : {$770.00} Status : Blank/ Not endorsed/ Not completed/ Not authorized by me I opened the XXXX account myself. However, the {$770.00} money order associated with this fraud case was NOT completed by me, NOT endorsed by me, NOT deposited by me, and I did not authorize this transaction. I did not receive or benefit from any funds related to this money order. 

I contacted XXXX, and they directed me to dispute the record with Early Warning I filed an FTC fraud/identity theft report confirming this money order activity was NOT done by me This Early Warning listing is incorrectly associating me with fraud and is preventing me from opening bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Someone is trying to get a loan thru Ally using my name and social security number. They are sending emails to my personal email and talking to me by name. I have gotten 2 emails from Ally but they dont seem to k ow what I am talking about. It says I have applied for a loan thru XXXX XXXX XXXX XXXX. But also have a loan number that no one seems to know anything about. I cant find the company to try to get ahold of them. I feel like Ally doesnt care and if they allow someone to take a loan out in my name after they have said I do not have an account something should be done. I have not tried to get any loan thru anyone but my bank? I dont know what to do other than let someone know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
PennyMac Loan Services LLC has approved me for a loan modification but turnaround and stated that inconsistent data. And further claimed that I submitted fraudulent and illegal disputes. Then keep avoiding the issue by claiming my complaints are duplicates and again not addressing the issues or producing the proof. And they are foreclosing on my home XX/XX/year>. They are stealing my home by deception of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION BEING REPORTED IS INACCURATE AND DOES NOT REFLECT MY ACTUAL PAYMENT HISTORY. THESE ENTRIES ARE MISLEADING AND INCORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CFPB Complaint Capital One Failure to Conduct Reasonable Investigation ( FCBA Violation ) I am filing this complaint against Capital One Savor for failing to conduct a reasonable investigation into a disputed credit card charge, in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

The dispute concerns a {$2000.00} charge from XXXX XXXX posted on XX/XX/XXXX, related to an all-inclusive resort package that was materially misrepresented. The resort did not provide the amenities, perks, or accommodations advertised and sold as part of the all-inclusive purchase. I submitted extensive documentation proving that the services were not delivered as agreed. 

On XX/XX/XXXX, Capital One sent a letter giving me XXXX hours to submit additional evidence. Within that timeframe, I spent XXXX  hours compiling and converting documentation into XXXX format, as required. I proactively contacted a Capital One supervisor and advised that submission would be slightly delayed due to the volume and technical requirements of the files. 

On XX/XX/XXXX, Capital One account specialists explicitly told me that the brief delay was acceptable. 

Despite this assurance, Capital One closed my dispute on XX/XX/XXXX : Without written notice of closure Without reviewing the evidence I submitted Without any follow-up communication I was hospitalized from XX/XX/XXXX through XX/XX/XXXX. When I contacted Capital One afterward, I was informed by an account specialist ( XXXX ) that my case had been closed on XX/XX/XXXX without notice. I was further told the case would only remain eligible for investigation until XX/XX/XXXX, and that I must submit a written request to reopen it. 

Capital Ones actions constitute a failure to conduct a reasonable investigation and a failure to properly consider evidence, as required by the Fair Credit Billing Act. Closing a dispute under these circumstancesespecially after approving a delayed submissionviolates federal consumer protection law. 

I am requesting CFPB assistance to require Capital One to reopen the dispute, conduct a lawful investigation of the submitted evidence, and reverse the invalid charge for services that were not delivered as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Capital Management Services, LP
State: TN

Complaint narrative:
We are disputing XXXXXXXX XXXX  search engine that was used on Sat, XX/XX/year>. When we chose to use a XXXX deal, it pulled up as you can see from the history that was sent to us, 3 hotels all with XXXX XXXX XXXX addresses. That was correct according to our destination that we selected. However, upon booking us to the XXXX hotel, as you can see from a copy of our statement enclosed, they booked it to a XXXX XXXX in Pennsylvania. That was not our destination and if you look at our history, around those dates, our hotels were in FL, not PA. When we called numerous times and asked to speak to a supervisor they would make some excuse that they were not available and the agents that we were talking to could not speak good English and most of the time were not understandable!

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year> I tried to mobile deposit my SSI benefits in the amount of {$990.00}. The mobile deposit was declined after 4 attempts. I reached out to CASH app support team for assistance in the matter. There disclosure states they accept checks for mobile deposit from the government. No one can give me a specific reason to why the check is declined. I am handicap and require assistance for mobility the reason I choose Cash app platform. I tried explaining that I can't do anything with the check because now it states " For Cash App mobile Deposit '' and no other banking institutions will accept it. That leaves me without my benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: PA

Complaint narrative:
In XXXXXXXX XXXX XXXX I sent by a Bill of Exchange for payment for my XXXX XXXX XXXX for a payment of {$18000.00} along with my signature. I sent it via certified mail. XXXX XXXX I never received the green card from XXXX XXXX at all.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Did a job on XX/XX/XXXX providing breakdown service and have all proof that I did the job submitted it to square because it was being disputed, and even with the evidence, the person committing fraud got the money was supposed to be paid XXXX customer only paid XXXX. He disputed XXXX on XXXX day and then XXXX on XXXX XXXX. XXXX told me that the card holder bank ruled in favor of card holder and would not give anymore information ( case closed ). And because of this, I am losing my business and will not be able to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Rushmore Servicing has initiated foreclosure activity on my account but failed to provide the legally required 'Notice of Right to Cure ' to my current mailing address. 

XXXX knowingly mailed sensitive legal notices, including the Right to Cure default notice, to the vacant collateral address ( a rental property in XXXX, WI ) rather than my registered billing address in XXXX, WA. XXXX has my correct billing address on file and sends monthly statements there, yet failed to use it for this critical legal notice. 

This failure to provide proper notice has deprived me of my contractual right to cure the default within the statutory timeline. Furthermore, I have submitted a complete Mortgage Assistance Application which is currently pending review. Initiating or continuing foreclosure activity while this application is pending constitutes XXXX XXXX, ' a violation of Regulation X. 

I am requesting an immediate halt to all foreclosure activity due to defective service and improper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Someone named XXXX with XXXX mail Financial reached out saying that I could take out a loan on top of my current loan and that I could take out a $ XXXX loan which would take me to the maximum loan amount of XXXX ( I currently have an XXXX loan ) He advised that all I had to do was submit to a new credit check to get the process going. After being talked into submitting to a credit check, XXXX advised me that it was declined due to me already borrowing the max. XXXX mislead me, lied to me and caused me to get a hard inquiry on my credit

Company response to consumer: Closed with explanation