vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/year>, I sent {$4000.00} via Cash App ( Transaction ID : XXXX ) to merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX elite program for a digital marketing service that was never delivered and grossly misrepresented. The merchant made specific written promises of personal strategic oversight, mentorship, and backend implementation. Instead, the work was outsourced to overseas contractors in XXXX, none of the promised deliverables were produced, I had to literally do all the things XXXX XXXX promised to do on my own and when irritated by how thigs were going for a month, I contacted the merchant several times who became unresponsive to direct messages, emails and text and completely ignored my formal demand letter requesting a refund. When I requested a refund or threatened to sue, the merchant then finally replied and sent a written message explicitly stating : " Now you are threatening to file a lawsuit. For this reason your refund is denied. '' This is documented retaliation for exercising my legal consumer rights, not a good-faith refund evaluation. The merchant then simultaneously claimed I was " still actively using the service '' while I am not a part of any group, actively using any service nor implementing anything yet the service I was promised is ceased and desists. Furthermore merchant has revoked all of my access entirely. A screenshot from the platform sent to Cashapp explicitly states : " You can't send messages to this group because you're no longer a member. '' This contradiction is documented and yet CashApp has not further investigated this scam matter nor the documentation showing good cause for a refund based on the merchant using their platform to deceive and scam its consumers. Cash App has also denied my dispute on numerous occasions without ever contacting me, requesting supporting documentation, or reviewing any of the substantial evidence I have available, including written communications, screenshots, voice notes, and formal demand letters between the merchant and myself. Their determinations have been made without a proper investigation. Notably, a separate credit card charge of {$990.00} to the same merchant for the same service on the same date was independently investigated and ruled in my favor by my primary banking and credit card institution, covering the identical same service agreement and breach. I formally escalated this matter to Cash App manager XXXX, who confirmed the dispute was submitted XX/XX/year> and is under review. I am requesting the CFPB ensure Cash App conducts a thorough investigation using all available evidence before making a final determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells fargo bank checking account. I recieved a legitimate payment in my account from a customer and they deemed it a 3rd party payment so they closed my account. They gave me a date of XX/XX/XXXX on XX/XX/year>. I reccieve mail on XX/XX/XXXX that the closure is extended until XX/XX/XXXX. The deposits in Question only total {$240.00} but i have a balance of {$3400.00} of funds that are not under investigation that they are holding along side the deposits in question. They refuse to tell me how long they intend to extend these deadlines and Im in urgent need of my funds.

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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have no knowledge of this acct. suspect fraud. I was going through XXXX XXXX in XXXX and couldnt even afford my treatments much less to worry about getting a credit card. This isnt my debt. Its charged off anyway so whoever it belongs too is lucky but theyre coming after me

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 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
ON XX/XX/year> I SOLD MY CAR TO A DEALER, HE GAVE ME A CHECK WHICH I DEPOSITED IN MY SAVINGS ACCOUNT AT AROUND XXXX IN THE MORNING AND IT SAID THE FUNDS WOULD BE AVAILABLE THE NEXT DAY. ABOUT XXXX THAT AFTERNOON I GOT A NOTICE THAT THE FUNDS WOULD BE HELD FOR A WEEK, AVAILABLE XX/XX/XXXX. I CALLED TO ASK WHY AND THE GUY TOLD ME THAT IT WAS BECAUSE THE ISSUER HAD A HABIT OF EITHER BOUNCING CHECKS OR STOPPING PAYMENT. I TOLD HIM I HAVE KNOWN THE GUY FOR A LONG TIME AND HE HAS A SUCCESSFUL BUSINESS, BUT IT WAS POSSIBLE THAT WAS TRUE. I TOLD HIM THAT WHEN THE CHECK CLEARED, I WANTED THE INTEREST TO START FROM WHEN THE DEPOSIT WAS MADE. HE TOLD ME THAT IS NOT HOW IT WORKS. I WAS LIVID, BUT WHAT COULD I DO? I WENT TO SEE IF IT HAD CLEARED THIS MORNING AND I WAS TOLD IT WOULD CLEAR BY WEDNESDAY, XX/XX/XXXX. I TALKED TO THE MAN WHO ISSUED ME THE CHECK AND HE SENT ME THE PICTURES OF HIS BANK 'S PROOF OF PAYMENT ON XX/XX/XXXX. I CALLED AND TOLD THE BANK THAT, BUT THEY ARE RESOLUTE THAT THEY WILL NOT PAY ME MY MONEY UNTIL WEDNESDAY. THERE SHOULD BE LAWS CONCERNING SCREWING PEOPLE OUT OF THEIR MONEY, AND THEIR INTEREST.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One has restricted access to my funds for over a week. I have provided all requested identity verification documents, but they refuse to lift the restriction or provide a timeline, causing me severe financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I sent {$200.00} through Cash App to pay a contractor for XXXX on my property. Due to an account-entry error, the payment was misdirected to the wrong recipient I authorized the amount but not the destination. I immediately reported the error to Cash App and requested the transfer be reversed or the funds recovered from the unintended recipient. Cash App denied my request without conducting a meaningful investigation or explaining my error-resolution rights, and made no attempt to recover the funds from the recipient who received money they were not owed. Their responses were generic and did not address the specifics of my situation. After Cash App denied me, my bank ( XXXX ) initially credited the {$200.00}, then reversed the credit citing Cash App 's denial. I have the written decision from XXXX. I am filing this complaint because Cash App 's dispute handling denial without adequate investigation, failure to clearly explain my rights, and refusal to attempt recovery of a clearly misdirected payment appears consistent with the deficiencies the CFPB identified in its XX/XX/year> order against Block , Inc . I am requesting either a {$200.00} refund or that Cash App facilitate return of the funds from the unintended recipient. the incorrect Cash app is @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NE

Complaint narrative:
XXXX XXXX charged me {$190.00}. For routine cleaning and exam. After cleaning, the dentist did not come in to see me. I asked the XXXX if I needed to see the front Desk. She said no, everything was covered. I received a bill from XXXX for XXXX about 2 months later. I also see XXXX XXXX XXXX for peradontal maintenance. XXXX XXXX advises me to see my regular dentist between visits. My insurance company is XXXX XXXX. XXXX XXXX website clearly states there is no copay for routine cleaning and exams. I made copies of the website for XXXX XXXX and for XXXX XXXX companies and took them to XXXX XXXX. They ignored the evidence. XXXX has turned me over to a collection agency, Revco XXXX. Phone # XXXX. Revco sent me a bill for {$1300.00} from XXXX XXXX. Where the {$1300.00} bill came from is unknown. .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 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: HW Holding, Inc
State: PA

Complaint narrative:
XXXX XXXX Attn : Debt Validation Department Re : Debt Validation Request To Whom It May Concern : I am writing in response to your collection efforts regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ) ,15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : The name and address of the original creditor ; The total amount of the alleged debt, including any interest, fees, or other charges ; Documentation showing I am legally responsible for this debt ; Proof that XXXX XXXX is authorized to collect this debt in my state ; and copies of any signed contracts, agreements, or account statements supporting the claim. Until you provide proper validation, I request that you cease collection activity concerning this matter and communicate with me only in writing. Please note that this letter is not a refusal to pay, but a request for verification and validation of the alleged debt. It is also not an acknowledgment or acceptance of liability. I expect your written response within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: OneMain Finance Corporation
State: MN

Complaint narrative:
XX/XX/XXXX an alleged " phone authorization '' payment was made without my permission for {$220.00} ( my usual amount but I had already made my XXXX payment ). This hurts me because it drove my connected checking account negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, during business hours, I was contacted by a representative named XXXX from XXXX XXXX XXXX ( XXXX ) regarding an alleged debt originally owed to XXXX. The call came from XXXX agent name XXXX. I am filing this complaint to report the following violations of the Fair Debt Collection Practices Act ( FDCPA ) and related federal law : 1. THIRD-PARTY CONTACT ( FDCPA 1692c ( b ) ) Before reaching me, XXXX contacted a family member seeking information to locate me. I instructed XXXX during our call not to contact family members and to reach me directly only. 2. UNAUTHORIZED DISCLOSURE OF FULL SOCIAL SECURITY NUMBER During the call, XXXX read my full Social Security Number aloud. I have never provided my SSN to XXXX and have no contractual relationship with this company. Verbally disclosing a consumer 's full SSN over the phone is a serious data security failure and may violate the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), and applicable state privacy laws. I did not authorize XXXX to possess or disclose this information. 3. FALSE AND DECEPTIVE THREATS ( FDCPA 1692e ) XXXX threatened that if I did not comply, XXXX could immediately obtain a default judgment against me and take my money without having to go through normal court proceedings or service of process. This is false, misleading, and a direct violation of the FDCPA 's prohibition on deceptive collection tactics. A default judgment requires that a consumer be properly served through the courts. This threat was designed to coerce payment through intimidation. 4. DEBT VALIDATION REQUEST PENDING I verbally requested written debt validation during the call and followed up in writing, requesting : - Proof of the debt amount and how it was calculated - Proof XXXX purchased this debt and the chain of title from XXXX - Proof of XXXX 's legal authority/license to collect in my state - A copy of any signed agreement between myself and the original creditor XXXX XXXX representative XXXX confirmed they purchased this debt. I have no contractual relationship with XXXX and have never signed any agreement with them. Desired resolution : I am requesting that the CFPB investigate XXXX for the above violations, require them to provide full written debt validation, require them to secure and explain how they obtained my SSN, and take appropriate enforcement action regarding their illegal collection tactics and data handling practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX. My dispute has NOT been resolved. I keep getting the run-around from Amex. XXXX was a dispute was opened and then someone from Amex said it has to be a fraudulent claim, and now Amex said it had to be a dispute claim. It has been 7 months that I have been going back and forth with Amex. I even reached out to XXXX bank regarding this balance transfer and they even said since you are not a customer nor is this your account or name Amex needs to file a balance reversal. The inconvenience of having to make monthly payments on something that doesn't belong to be and AmEx said I'll be refunded once it's done. Which it's not getting resolved. I keep speaking with different people. This is frustrating and I don't know what to do anymore! The account is NOT my name and whom the person is NOT me. AMEX has all the calls I've been trying to reach out of my way and it seems like no one cares. If I was dealing with XXXX or discover I guarantee this balance transfer would have been reversed. This was my previous dispute. I filed a balance transfer reversal related to a transaction from XXXX in XX/XX/XXXX. American Express informed me that they would investigate the matter and follow up by XX/XX/XXXX. Since then, I have had to contact American Express multiple times for updates. During my most recent call on XX/XX/XXXX, an American Express representative advised me to reach out to XXXX regarding the reversal. I did so and spoke with a supervisor, who explained that they are unable to access any information about the balance transfer because I am not a XXXX account holder. He also stated that American Express is responsible for initiating the dispute on this transaction. At this point, it is unclear why this issue has been so difficult to resolve. I do not have an account with XXXX, and it appears that American Express has not taken the necessary steps to properly investigate or dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: VT

Complaint narrative:
The bank Community Bank NA canceled my debit card instead of my daughter 's which is a different account. I was out of town and in the middle of a tournament ( accessing funds to compete ) XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX emailed them to unlock my card. I called XX/XX/XXXX and they said there was no way to turn the card back on I needed to come into a branch and get a new one. Not only did I lose out in competing for a share of {>= $1,000,000}. I had no way to use funds for other things. When I got back to town I had to use my lunch break to go into the branch to get a new card because they close before I get out of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Atlantic Union Bankshares, Inc.
State: MD

Complaint narrative:
The total amount of unexplained fees is {$26000.00}. I have repeatedly asked Atlantic Union Bank to provide a clear accounting, explanation, and documentation supporting these charges, but the bank has refused or failed to adequately explain them. Despite my requests, I have not received a satisfactory breakdown showing why these fees were assessed, how they were calculated, or whether they were properly disclosed. This matter concerns me for several reasons : XXXX. The fees appear excessive and unexplained. XXXX. The bank has not provided sufficient documentation supporting the charges. XXXX. I have requested clarification and/or reimbursement, but the issue remains unresolved. XXXX. There was also approximately {$30000.00} in legal fees which were not explained and simply moved to another loan. At this point both loans have paid off. I have attempted to resolve this matter directly with Atlantic Union Bank by requesting a clear accounting and explanation of the disputed fees. Rather than providing a satisfactory itemized explanation, the bank has failed to adequately document the charges. In addition to the charges above there are also late fees on the account despite the account being on auto pay. In addition, I have received emails from Atlantic Union Bank representatives stating or implying that if I continue to pursue this inquiry, or do not drop the matter, the bank XXXX impose additional charges. These threatened additional charges have not been clearly identified, itemized, justified, or tied to any specific loan document or fee provision. I believe this response is improper and appears intended to discourage me from seeking an explanation of the disputed fees. I am attaching copies of these emails for the FDICs review. I am requesting that the FDIC review XXXX XXXX Banks handling of this matter and determine whether the bank complied with applicable banking regulations, disclosure obligations, and fair banking standards. I also request that the FDIC review whether XXXX XXXX Banks communications threatening unspecified additional charges were appropriate, lawful, and consistent with fair banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Subject : Violation of Regulation XXXX and Failure to Honor Confirmed Stop-Payment Order by Fifth Third Bank Description of Incident : On XX/XX/year>, I submitted a valid request to Fifth Third Bank to stop a recurring ACH payment of {$410.00} intended for my HOA, and I paid a {$33.00} stop-payment fee. On that same day, XX/XX/year>, I received an electronic confirmation from Fifth Third Bank stating that the stop-payment order was successfully placed. In direct violation of CFPB Regulation E 1005.10 ( c ), which establishes the consumer 's right to stop recurring transfers when providing at least XXXX business days ' notice, Fifth Third Bank failed to honor this block. The bank allowed the unauthorized {$410.00} debit to clear my account on XX/XX/XXXX, XXXX business days after my confirmed request was logged. I disputed this transaction immediately on XX/XX/year>. On XX/XX/year>, I spoke with a customer service representative named " XXXX '', who transferred me to a dispute XXXX named " Blessing ''. XXXX " Blessing '' explicitly refused to issue an immediate refund for the {$410.00} unauthorized debit or the {$33.00} stop-payment fee. The XXXX claimed that the bank " does not guarantee '' stop payments, an assertion that is illegal under the statutory provisions of Regulation XXXX Furthermore, the XXXX inappropriately suggested that I utilize Fifth Third 's line of credit product ( " My Advance '' ) to borrow money to cover the shortfall caused entirely by the banks own processing failure. Because this is an internal bank processing error rather than a merchant dispute, Fifth Third Bank should have issued an immediate administrative credit to reverse their system failure. Desired Resolution : An immediate administrative or provisional credit of {$410.00} to restore my funds, a full refund of the {$33.00} stop-payment fee, and an XXXX compliance review of this institution 's refusal to honor federal Regulation XXXX protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Tesla, Inc.
State: WA

Complaint narrative:
My son XXXX XXXX applied for a loan to purchase a new tesla. he applied in the app as we already have a tesla. The tesla we were trading in was in my name, XXXX XXXX, and the new one was going to be in XXXX name. We got approval, got .99 %, with our trade in. on XX/XX/year> we traded in the vehicle, signed papers, picked up the new car and drove away .. with my tesla traded in and the new XXXX XXXX and registration all in XXXX name. one week later .. my car still has not been paid off and they call and say that the bank will not accept a XXXX party trade in ... becuase the trade in was in my name and my name isnt on the new vehicle. We have to either pay more money to get the financing in my sons name - but wont get the .99 %, give the car back and pay XXXX per mile that we have driven and get our old car back, finance througth another bank and not get the XXXX or add my name and see if they will finance the car with my name on it. How do we get approved, sign paperwork , drive off in a new car and leave our old car there? They should have to honor this. My trade in hasnt been paid off yet either and they have the car.

Company response to consumer: Untimely response