vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I previously completed a mortgage forbearance with Bank of America that ended on XX/XX/year>. 
On XX/XX/year>, I paid all deferred amounts in full, bringing my loan completely current. 

On XX/XX/XXXX, I was offered an extension forbearance, which I declined in good faith because I had found help for my mother and I was expecting full time employment to resume. Unfortunately, the anticipated full time work did not materialize due to my mothers illness resulting in an unexpected financial hardship. 

XXXX days ago, a Bank of America representative reviewed my information and advised that I was eligible for a special or temporary forbearance. However, on a subsequent call on XX/XX/XXXX, I was informed that I was not eligible for any hardship option other than a loan modification, which I do not wish to pursue due to the impact on my long-standing fixed interest rate. 

I am concerned by the conflicting information provided and by the lack of any temporary, non-modification hardship option being offered despite my loan being current and my documented payment history. 

I am requesting a formal escalation review and written clarification of any investor guidelines being relied upon to deny short-term or administrative hardship assistance. 

I am submitting this complaint while my XXXX payment is coming due, and while I am actively requesting supervisory review and temporary hardship assistance. 

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
To whom this may concern, I, XXXX XXXX, bought a XXXX flight on XX/XX/year>. I was then charged 3 times for said flights. XXXX told me after calling twice that there is only one booking and one transaction to this booking. To call my bank. I have contacted Wells Fargo customer service line XXXX days in a row. No one can help me no matter what i say or ask for. The transactions are still pending XXXX hours later. This is causing financial hardship. Please can someone help lift the XXXX pending transactions that i do no make from XXXX XXXX. {$540.00} & {$550.00}. 
Thank you, 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 2025-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: MI

Complaint narrative:
Hello, On XX/XX/XXXX I was contacted by a debt collection agency in reference to an amount owed related to a XX/XX/XXXX XXXX. This was a surprise, because I had not received anything from this company up until this point. There was no bill sent to me. This debt hit my credit report on XX/XX/XXXX. 

In researching this specific bill, I saw that they had submitted XXXX charges to my insurance company. The insurance company paid in full the first charge - and denied the second, as it was a duplicate. It was paid on XX/XX/XXXX. I contacted my insurance company, and they also confirmed that nothing is owed by me for this charge - as it was paid in full. My insurance company sent a letter back to me summarizing this as well. 

I sent all information to the debt collection company via email, and nothing was done. I sent all information via certified mail to both the debt collection company and the financial company that now owns this debt on XX/XX/XXXX. The debt was removed from my credit report on XX/XX/XXXX. 

In XX/XX/XXXX I started receiving phone calls from a different debt collection company attempting to recover this same debt. It is still owned by the same financial company as before. And this debt hit my credit report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
None of the previous questions were relevant to my issue. The previous pages did not provide opportunity to for me to provide proper information. 

Wells Fargo called me on XX/XX/XXXX, they told me that they were going to close my account on XX/XX/XXXX, and that there was nothing that I could do about it. The reason they gave for closing my account was not true. They said that I had made too many claims. I had made XXXX ( One ) claim for an unauthorized transaction and they gave my money back and closed the claim. I spoke with the company and they said they would not charge me again. I filed a complaint and Wells Fargo said they needed more time. This complaint IS NOT ABOUT THAT. I called XXXX and changed my deposits to be made to a different bank ( XXXX XXXX ) BEFORE the account was CLOSED at Wells Fargo. I do not know why but XXXX did not change my deposit to XXXX XXXX until ( as they say ) XX/XX/XXXX. My account was CLOSED at Wells Fargo on XX/XX/XXXX, which I still have not received a valid reason why they closed my account from Wells Fargo, and no valid response to my complaint with CFPB, yet Wells Fargo accepted my XXXX deposit and said they will not return my XXXX deposit until XXXX  ( which I believe is XX/XX/XXXX ) Wells Fargo should have rejected the deposit. This is NOT my error and definitely not my fault. I am an elderly XXXX person with no means to secure transportation and I can not even walk as far as a bus STOP or pay for a bus because I have no way to access MY money. This is totally WRONG. I believe Wells Fargo closed my account to avoid paying me the bonus they advertised for opening an account. They advertised a {$320.00} bonus for opening an account and they did not treat me properly, in fact Wells Fargo treated me worse and cruel.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime closed my account shortly after I submitted an error/billing inquiry relating to a {$1500.00} transaction. Chimes notice shows account ending in XXXX, date error reported XX/XX/year>, claim amount {$1500.00}, and that the account would be closed on XX/XX/year> for not compliant with internal policies. Chime provided no provisional credit and after closing the account has refused to provide my periodic statements/transaction history and a final accounting showing the disposition of the {$1500.00} transaction and the final balance at closure.

Resolution requested : ( 1 ) complete periodic statements and/or full transaction ledger covering the {$1500.00} transaction and account closure ; ( XXXX ) written final account balance and line-item accounting showing whether the {$1500.00} transaction posted and whether it was reversed/adjusted and why ; and ( XXXX ) if any balance was owed to me at closure, confirmation of any check issued ( amount/date/check number ) or re-issuance if not received.

Ive currently been on the phone with a rep for two hours saying he sent it XXXX I never received it he is the fourth person they refused to send by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Merchant Services XXXX XXXX JPMorgan Chase Bank , N.A . 

Re : Appeal Account # XXXX / Hold on {$2500.00} Transaction Dated XX/XX/XXXX Dear Chase Merchant Services Team, I am writing to formally appeal the decision to shut down my XXXXXXXX XXXX XXXX  account and to request review of the hold placed on my most recent transaction. 

On XX/XX/year>, a customer payment in the amount of {$2500.00} was processed through my XXXX account. I have been informed that not only is my merchant account being closed, but that these funds may be held for up to XXXX  days. 

This hold places a significant and unnecessary hardship on my business. The transaction was legitimate, authorized by the cardholder, and tied to services already rendered. I have not been notified of any dispute, chargeback concern, or fraud alert pertaining to this transaction. I respectfully request : A complete explanation for the account closure and the risk basis used, The specific reason the XX/XX/XXXX payment is being held, and An expedited release of the {$2500.00} deposit, or a shorter documented review timeline. 

I am fully willing to provide any documentation needed including invoices, signed agreements, proof of delivery/service, and customer verification to demonstrate that this transaction is valid. 

I value my long-standing relationship with Chase and hope this matter can be resolved promptly, fairly, and with clearer communication. Please confirm receipt of this appeal and advise of the next steps and expected timeline for review. 

Thank you for your attention and assistance. 


Sincerely, XXXX XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I called Shellpoint Mortgage Servicing to explain that I would like to pay off the balance on this account, which is over XXXX XXXX XXXX, and there is a {$3500.00} balance in XXXX XXXX but the fee occurred more than 5 years ago, and a foreclosure never happened. Shellpoint Mortgage Servicing is refusing to waive the fee and will not allow any direct principal payment on the account until the fee is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
In XXXX  I was being refunded money from stores I shop at to my cash app over {$1000.00} dollars they suspended my card and never gave my refund from these companies yes their only response is your card is suspended and we can not tell you why. They took my money and suspended my card wont reactivate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/year>, a fee of {$27.00} was charged to my account because of the returned payment of {$27.00}. 

Inititally I wasn't aware that but as I did not make any other purchase the amount to be paid remain the same then I called the Amex about this situation. I was told that it was a return of money as it bounced back, but I was like a payment of {$30.00} has been taken out from my account. 

Then they informed me that there is a charge of {$27.00}. I felt they were so misleading and dishonest in the first place. Subsequently, the staff named XXXX XXXX said she can try to apply for a waiver for me. However she then said it was declined as my account was not eligible. I asked why, is it because of my name is not XXXX? is it some kind of discrimination? He just told me that he won't be able to comment further. 

I then called Amex and was told that they would escalate the matter for me and I should receive a response within 7 days from XX/XX/year>. However, no response until I file this complaint on the XX/XX/year>. 

My demand is the waiver of the {$27.00} fee which is like 100 % of the statement balance and I felt I was being discriminated racially due to my name that's why I was not eligible for the waiver. This is the first time it happened to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am unable to manage my account settings. The system shows activity and references amounts, but those amounts do not appear in my balance. I can not set up, change, or disable Auto Load or related settings. When I contacted PayPal through their automated chat system, I was told there are no restrictions on my account, yet the problem persists and I still can not manage these settings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone tried to open a Capital One credit card in my name without my knowledge or consent. I received a letter from XXXX. It was deemed a fraudulent application, but I would like a copy of my credit report, as I have never applied for any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Wxw Investments, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2025, I contacted XXXX XXXX  XXXX, XXXX  branch regarding a {$3000.00} loan. During the call, I was told I must live in XXXX for XXXX year before assistance could be provided. I have reviewed XXXX XXXX loan agreement and public eligibility requirements and can not find this rule stated anywhere. 
When I asked for clarification and where this requirement appears in the loan agreement, the representative ended the call abruptly. 
Please note that my additional request was for {$3000.00}, but my primary goal is to rebuild my credit in good faith any amount would had suffice. I have requested written confirmation and an Adverse Action Notice under the Equal Credit Opportunity Act ( ECOA ), but have not received a response. 
This appears to be a misleading practice and a violation of federal lending disclosure requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I, XXXX XXXX, am disputing the reporting of the CAPITAL ONE AUTO account on my credit report. This account was included in my XXXX XXXX XXXX  filed XX/XX/XXXX, and any activity reported after my discharge is inaccurate and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Specifically : Account shows late payments or balances after discharge in XXXX. 
XXXX XXXX can not legally report any post-bankruptcy activity. 
I am requesting : Immediate removal of all post-discharge reporting for this account from my credit file. 
Full verification of any reported information. If verification can not be provided, the account must be deleted. 
Update all credit bureaus to reflect accurate bankruptcy status and XXXX balance. 
Continued reporting of this inaccurate information is a violation of the FCRA, and I reserve the right to pursue all available legal remedies, including escalation to the CFPB. 
Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) is illegally reporting and attempting to collect a debt that was previously deleted from my credit reports. 

This alleged debt originated with XXXX XXXX Bank XXXX, XXXX. The original XXXX XXXX tradeline was deleted from both XXXX  and XXXX  in or around XX/XX/XXXX after prior disputes. PRA was not reporting at that time. 

In XX/XX/XXXX, XXXX reinserted this same debt onto my XXXX  and XXXX  credit reports without providing any reinsertion notice as required by FCRA 611 ( a ) ( 5 ) ( B ). I was never notified within XXXX business days that previously deleted information had been reinserted. 

XXXX is also unlawfully re-aging the account by reporting a new date opened of XX/XX/XXXX, despite the alleged date of first delinquency being XX/XX/XXXX. Reporting a new date opened misrepresents the age of the debt and violates FCRA 623 ( a ) ( 5 ) and 607 ( b ). 

PRAs reporting is demonstrably inaccurate and unverifiable. XXXX  has already deleted this account, while PRA continues to report it to XXXX  and XXXX. The same furnisher reporting the same debt inconsistently across credit bureaus proves the information is not accurate. 

Additionally, PRA has attempted to contact me via text messages and voicemail without first providing proper written debt validation as required by FDCPA 1692g.

PRA has failed to provide : A complete chain of assignment from XXXX  XXXX Proof of legal ownership of the alleged debt Certification required for reinsertion after deletion PRA has no lawful basis to report or collect this debt. Their actions constitute illegal reinsertion, re-aging, inaccurate credit reporting, and unlawful collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: MO

Complaint narrative:
I am filing a complaint regarding Cash Apps refusal to reverse a charge that resulted from a XXXX-party XXXX failure outside my control. 
A mobile carrier unlawfully refused to provide required unlock and port-out credentials, which caused multiple failed transactions and repeated authorization attempts. As a result, Cash App processed and allowed repeated authorization attempts and charges, including a {$25.00} charge, despite the underlying transaction being caused by the carriers failure. 
I provided Cash App with documentation showing the carrier issue and FCC complaint case numbers. Cash App stated they completed their investigation, issued a final response, closed my support case, and refused to provide relief. 
Attached transaction records show repeated authorization attempts, reversals, and declines across multiple merchants in a short period, demonstrating account disruption and financial harm. 
I am requesting reversal of the {$25.00} charge and correction of any negative impact to my account resulting from these failed and repeated transaction attempts. 

FCC ticket number for XXXX XXXX XXXX. XXXX FCC ticket number for XXXX XXXX XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have a credit card with Barclays Bank US. I reported a series of fraudulent charges that were made in XXXX and XXXX which totaled to be {$700.00}. According to Barclays these charges were made " in-person '' with a chip card used, therefore they are claiming they are legitimate. These charges were all made in XXXX XXXX, Florida - under the merchant name " XXXX  '', " XXXX  '', and " XXXX XXXX '' for miscellaneous amounts. According to Barclays investigation these were made in Florida. None of the authorized users on my credit card account was ever in Florida over these dates. We also do not have any type of bitcoin account. There are numerous reports on the internet of fraudluent charges and scams with this company- we have no idea what these charges are for. Barclays is repeatedly claiming these charges are legitimate based on the fact that the transactions were made in person. I have requested that Barclays complete a deeper investigation to find out what exactly this merchant sells ( as I don't recognize it ) and what items were specifically purchased and have requested copies of receipts. Barclays is dismissing my concerns and telling me I owe the amount. I am disputing their investigation as not going deep enough with facts to support their conclusions that we made these charges. I have also filed a police report with XXXX XXXX but the police would not proceed with the case as they have redirected us back to the credit card company. I have spent hours on the phone with Barclays trying to get clarity and keep getting sent to off shore call centers in XXXX who do not understand or try to resolve this issue. I did not make these purchases and Barclays does not share any information with me yet expects me to pay for unauthorized charges. Barclays has done a substandard investigation using off shore employees in XXXX. 

The original fraud case number with Barclays was XXXX. They have re-opened the case, per my request, as I am pushing them to follow up on the points I made above. They have re-opened the case under case number XXXX. I have spent hours of my time trying to resolve this with Barclays and it is has not reached resolution. They do not give their customers the benefit of the doubt and their fraud investigation findings are insufficient and there is no consumer recourse to dispute their findings - we are simply expected to accept their conclusions without any details.

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