vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I applied for a loan modification loan, Carrington knowingly and purposely keeps getting the documents wrong, such as my name misspelled where they will not notorized. They list me a single when I was married at the I obtained my original mortgage, the left my wife off the documents then they added her but she was to be listed as Not Financially responsible, Carrington is reporting late payment to my wifes credit which again she is not financially responsible and it caused an adverse credit denial when she was trying to obtain financing for medical care. We were denied a wrongfully denied a lone modification and or forbearance. To to Carringtons continued error. We we filed and appeal for the wrongful denial by the deadline on the denial letter and we contacted Carrington employee XXXX XXXX requesting confirmation of receipt and update be we can not get any replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NBT BANCORP INC.
State: VT

Complaint narrative:
I am writing to formally raise a complaint regarding ongoing and repeated issues with my auto loan account with NBT bank since its inception. 

From the beginning of this loan, interest has been applied incorrectly and at amounts higher than expected. I have contacted the bank multiple times requesting that my payments be applied correctly and that my account settings be reviewed to prevent recurring errors. Despite these assurances, the same issues continue to occur. 

Most recently, a late fee of {$10.00} was assessed on my account even though all payments were made on time. In fact, I consistently make additional payments each month specifically toward principal. This erroneous charge is unacceptable and further reinforces my concerns regarding the accuracy of my account. 

At this point, I no longer have confidence in the banks handling of my loan. Each time I log into my account, I see unnecessary interest charges or fees that require follow-up and correction. 

Additionally, I have not received a single loan statement since opening the account last year. This is a serious issue, as regular statements are essential for verifying payment application, interest calculations, and overall account accuracy.

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
I've had my Cash App account since XX/XX/year>. It's been nearly 10 years of using this platform with no issues. I use Cash App to send and receive funds only with people I know -- friends and family. Today, my account was abruptly closed without reasoning. It states I violated the terms and conditions, but after carefully reading through all terms and conditions, I did not violate any of them. I don't use this account for business, it is a personal account. I tried to contact Cash App support but I was only given automated responses. Once transferred to an agent, I was sent a copy and last response. I tried to get further intel but no one will respond to me. They refuse to give any reasoning on closing my account. I asked for an appeal and they did not respond to that either. My goal is to reinstate my Cash App account so I can continue using it when necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
The XXXX letting Zions bank conduct its own investigation regarding the {$10000.00} I lost in a wire transfer is absurd. This entire process has been nothing but embarrassing, unprofessional and stupid. Zions Bank waited 7 days to send a recall to XXXX XXXX and according to XXXX XXXX it never was received. Zions Bank lied about me though the recipient. So consumer protection my XXXX! Thanks for nothing

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Every week. Or few days it keeps not letting me send crypto. 

I SEND TO THIS ADDRESS EVERYDAY LIKE I PLAYED THE SAME THREE GAMING APPS THEYRE LEGAL. I PLAYED THEM ALL THE TIME. XXXX XXXX XXXX I XXXX XXXXXXXX XXXX THEM FOR A LIVING, BUT WHAT I CANT UNDERSTAND IS WHY YALL KEEP TAKING MY MONEY AND RIGHT NOW IM LOW. I JUST BOUGHT XXXX AND I NEED THAT XXXX TO GO THROUGH. I DONT WAN NA WAIT ANOTHER FIVE DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XX/XX/XXXX, I financed a retail purchase in the amount of {$22000.00} using a Wells Fargo retail credit card under a promotion described as No Interest if Paid in Full within 12 Months, with a special terms end date listed as XX/XX/XXXX. 

During the promotional period, I made regular monthly payments and paid a substantial portion of the balance in good faith. Additional purchases were made on the same account during the promotional period, including approximately {$4200.00} on XX/XX/XXXX and approximately {$1200.00} on XX/XX/XXXX. Wells Fargo applied my payments to minimum payments and newer purchases first. 

As a result of payment allocation rules, a small remaining amount of approximately {$370.00} was attributed to the promotional purchase at the end of the promotional period, even though I later paid the full promotional purchase amount of {$22000.00}. 

Due to this technical shortfall, Wells Fargo applied deferred interest retroactively to the entire original purchase amount, totaling {$6200.00} plus {$160.00}. I was surprised by the size of this charge and did not understand that unrelated purchases and payment allocation mechanics could cause the promotional balance to remain unpaid despite my good-faith efforts. 

I contacted Wells Fargo to dispute the interest and request an explanation. Wells Fargo stated that interest was applied at 28.99 % to the full original purchase amount under the deferred-interest promotion, but did not address my concerns regarding payment allocation, the impact of unrelated purchases, or whether the deferred-interest consequences were clearly disclosed at XXXX XXXX of sale. While Wells Fargo offered a partial adjustment of approximately 50 % of the deferred interest, the remaining interest remains disputed. I am requesting a review and goodwill adjustment or waiver of the remaining deferred interest due to inadequate disclosure, payment allocation mechanics, and the disproportionate impact of a small technical shortfall.

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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
I am filing this complaint regarding Bridgecrests continued and escalating collection conduct despite my prior complaints, disputes, and objections to further contact. 

After I raised concerns and objected to continued communication, Bridgecrest failed to resolve the issue and instead escalated the matter. On or about XX/XX/year>, I was contacted by a third-party entity identifying itself as XXXX XXXX. I did not authorize contact from this entity, and Bridgecrest did not disclose that it had engaged or assigned any third party to contact me. 

This third-party contact occurred after Bridgecrest had notice of my dispute and hardship and caused significant distress. The use of a private investigative entity in connection with a consumer auto finance account was intimidating and inappropriate. 

Bridgecrest is responsible for the actions of XXXX XXXX and can not avoid its obligations by outsourcing contact to third parties. This conduct constitutes harassment, unlawful third-party communication, and a failure to honor cease-communication requests. 

I am requesting regulatory review, confirmation that all communications have ceased, withdrawal of any third-party agents, and appropriate corrective action to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Dear Sir or Madam, I am writing regarding the above-referenced account, which your records indicate was charged off. Under IRS regulations, specifically 26 C.F.R. 1.6050P-1, a creditor that discharges indebtedness of {$600.00} or more is required to issue IRS Form 1099-C to the debtor and the Internal Revenue Service. A charge-off is a recognized identifiable event under these regulations that may trigger this reporting requirement. To date, I have not received a Form 1099-C for this account. If the debt was discharged, forgiven, or otherwise canceled, please provide a copy of the issued 1099-C. If no 1099-C was issued, please provide written confirmation stating : Whether the debt was discharged or forgiven, and The legal basis for not issuing a 1099-C despite the charge-off status. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to ensure that any information furnished to consumer reporting agencies is complete and accurate. If this account has been reported as charged off while no 1099-C has been issued, or if the debt has been discharged without proper reporting, this may constitute inaccurate or misleading reporting. If this account has been sold, transferred, or assigned to a third party, please provide the name, address, and date of transfer to ensure accurate records. Please consider this letter a formal request for investigation and correction, if applicable. I expect a written response within 30 days of receipt of this letter, as required under applicable federal law. Failure to provide clarification or correction may leave me no choice but to pursue further remedies, including disputes with the consumer reporting agencies, complaints to the Consumer Financial Protection Bureau, and consultation with legal counsel. Thank you for your prompt attention to this matter. I look forward to your written response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding American Expresss handling of a billing dispute in which a merchant provided written confirmation that a refund was approved, then later reversed that approval. 

I relied on written communications from XXXX XXXX stating that a one-time courtesy refund for a specific shipment had been approved and would be processed within a stated timeframe. After only one of two refunds posted, I contacted the merchant multiple times and was later told that management had declined the previously approved refund. 

I submitted all written documentation to American Express showing the refund approval and subsequent reversal. Despite this, American Express ruled in favor of the merchant. My concern is not a disagreement with merchant policy, but the reversal of a refund that was explicitly approved in writing and relied upon. 

I am requesting that American Express reconsider this dispute under the basis of reliance on written merchant approval, inconsistent merchant communication, and misrepresentation. I am seeking resolution consistent with the documented approval provided to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with IQ DATA XXXX, they did not provide me with the original with the original contract as I requested. I did not sign nor validate with signature any binding contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/year> at XXXX I received a call that came up from citizens bank claiming there was an attempted charge on my card coming out of XXXX fl. I said that it wasnt me Im in RI. They then said they saw a scheduled wire transfer for XXXX. I said it wasnt me, I do t wire anyone money. The coerced me into logging into my account to stop the transaction all the while they were having me transfer funds out of my account and wire to whoever they were. They said I had to be in the app to fill out the document to stop the wire. I did call citizens bank, they didnt have record of any of that fraud claiming I was in fact scammed. And they were going to do an investigation. I went to a local branch the next day as I was instructed and also went to fill out a local police report. I do feel citizens isnt working to rectify nor have safeguards. This was a large amount of money and not a transaction I ever preform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: CA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate & incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate & verify that all of the data for this account is reporting accurately including every notation date & balance weather reported or not. 

{ SELF FINANCIAL/LEAD BANK } CLOSED IN XX/XX/year> I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By this provisions of the consumer protection laws, i demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status, ( paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracy & completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 
Please send a copy of my updated credit report to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
XX/XX/XXXX : I received a Welcome Letter and Loan Closing Certificate from GoodLeap explicitly setting my " First Payment Date '' for XX/XX/XXXX. 

XX/XX/XXXX : GoodLeap issued a notice confirming that " No payment is due at this time '' and stated I could " choose to make a payment at anytime ''. 

XX/XX/XXXX : Acting in good faith and relying on the " payment at anytime '' instruction, I paid XXXX XXXXXXXX is more than the {$28.00} monthly installment due in XXXX. 

XX/XX/XXXX : GoodLeap issued a statement acknowledging receipt of my {$40.00} payment on XX/XX/XXXX but still listed a " Total Amount Due '' for XX/XX/XXXX. 

XX/XX/XXXX : GoodLeap sent a " First Payment Notice '' via email claiming my loan was " now past due, '' despite having possessed my funds for 31 days. 

XX/XX/XXXX ( Evening ) : I contacted GoodLeap. A supervisor admitted the funds were received but were applied to principal because they were submitted more than 20 days before the due datea rule that was never disclosed to me. I was told " reallocating '' the funds would take 7 days, leaving my account in a false " past due '' status in the meantime. 

GoodLeap engaged in deceptive billing by contractually setting a first payment date for XX/XX/XXXX, and explicitly inviting early payments 'at anytime ' in their XXXX notice. When I paid my first installment 28 days early, they diverted the funds to principal without my consent and then issued a 'past due ' notice on XX/XX/XXXX. They are now using an undisclosed '20-day rule ' to justify holding my account in a false state of default while they take 7 days to 'reallocate ' my money. This is a predatory practice designed to trigger collections activity against a responsible consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I purchased food and XXXX  at a restaurant in XXXX XXXX, at a restaurant called XXXXXXXX XXXX. The purchase was made on XX/XX/year>, and was reflected as " Debit-XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

When I swiped my card at the restaurant, the waiter informed me the transaction did not go through four different times. The total amount of the attempted purchase ( which I was informed did not go through was {$170.00}. 

I then ordered more food and paid a different total amount. 

Upon checking my bank account, I realized all four transaction had indeed gone through ( each amount being the same {$170.00} reflected four times within minutes of each other ). 

I also checked the restaurant 's website reviews and realized this is a common fraud that occurs at that particular restaurant. 

I promptly reported the fraudulent charges to Navy Federal Credit Union. 

On the same day an attempted fraudulent charge was made on my account ( attempting to withdraw over {$2000.00} for an XXXX XXXX XXXX XXXX XXXX, forcing me to cancel the debit card and obtain another. 

I reported all of this to Navy Federal Credit Union, who refused to reverse the charges. 

I contacted the merchant and the waiter in question who all insisted the charges did not go through, even though it went through. I provided Navy Federal Credit Union with all text messages. They have still refused to reverse the charges ( totaling {$680.00} consisting of four different {$170.00} charges at the same point-of-sale machine occurring within minutes of each other ). 

I have previously reported fraudulent charges on the same Navy Federal Credit Union account debit card and Navy Federal Credit Union threatened to close my account for reporting fraudulent charges more than once when the problem is clearly Navy Federal Union 's deficient fraud detection procedures. 

I am hereby making this report and asserting my rights under all applicable law, including Regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am the sender of a wire transfer sent from my XXXXXXXX XXXX  account to a Capital One 360 Checking account on or about XX/XX/year>. Capital One accepted the wire and credited it to the recipients account. 

Shortly after the wire was accepted, Capital One placed the recipients account under review and subsequently closed the account while retaining the wire funds. Despite multiple attempts to recall the wire through XXXX XXXX  over the past three months, Capital One has refused or failed to return the funds. 

The recipient has been informed that the account is permanently closed, yet Capital One has neither released the funds to the recipient nor returned the funds to me as the sender. No written explanation, legal basis, or timeline for disposition of the funds has been provided. 

As the sender of the wire, I am requesting that Capital One clearly state : 1. The current status and location of the wire funds 2. The legal basis for continued retention of the funds 3. Whether the funds will be returned to me as the sender or released to the recipient 4. The expected timeline and method of return or disbursement Capital Ones continued retention of these funds without explanation has resulted in prolonged lack of access to my money. I am seeking prompt resolution, transparency, and return of the wire funds if they will not be released to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: ID

Complaint narrative:
My phone got stolen as well as my wallet i then couldn't access my cashapp account because no longer had my email my password my cashtag or my debit cards I have money sitting there and I need it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: UT

Complaint narrative:
Cash app has not deposited the hotel cleaning deposit back onto my account after XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX in XXXX utah for the amount of {$50.00} once the funds were released back to my account

Company response to consumer: Closed with explanation