vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: TX

Complaint narrative:
I am filing a complaint against Cash App regarding an unresolved transaction dispute. On or around XX/XX/year>, I sent a payment of {$100.00} through Cash App. After the transaction, an issue occurred, and I did not receive the expected outcome for this payment. I reported the issue to Cash App and have now submitted multiple disputes ( at least four times ). Each time, my case has been closed with the same automated response stating that a response was provided or that they had not heard from me, which is not accurate. I have consistently followed up and responded, but Cash App has failed to properly investigate or resolve my issue. I have not received my money back, and no clear explanation has been provided regarding their decision. I requested information about the status of my dispute, details of any investigation conducted, and the reason for repeatedly closing my case, but Cash App did not provide any meaningful response. This situation has caused unnecessary stress and financial loss. I am requesting a full investigation into this matter and the return of my funds. I am also requesting that Cash App be held accountable for repeatedly closing my case without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
I was charged {$330.00} using two different cards the company said they had fixed the error but they did not so I disputed it to the bank and they accepted it and gave me a provisional credit now theyre denying it and making me pay everything back and now Im negative {$330.00} in my bank account and now I cant get my family come pay day or pay my bills. I provided conclusive evidence of a duplicate transaction across two bank accounts. This bank has failed to conduct a reasonable investigation and is charging unauthorized fees ( Check XXXXdjustment Fee ) for a Regulation E dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint against Wells Fargo for failing to properly investigate and resolve a dispute involving funds held by the XXXX XXXX. During my visits, the XXXX XXXX placed over {$1000.00} in incidental holds on my debit card. These charges were not for the room stay itself, but strictly a temporary authorization for incidentals. After my stay concluded, those funds were never returned to my account. I contacted Wells Fargo and requested that they recover the missing funds. However, Wells Fargo denied my dispute, stating that I did not cancel my stay within the required timeframe. This reasoning is irrelevant to my claim. The disputed amount is not related to a cancellation or room chargeit is specifically tied to an incidental hold that should have been released after my stay. Wells Fargo failed to properly distinguish between a service charge and a temporary authorization hold. Furthermore, they did not conduct a thorough investigation or require the merchant to provide documentation proving that the incidental funds were legitimately converted into a charge. Instead, Wells Fargo improperly shifted the burden onto me to resolve the issue with the merchant, despite their obligation as my financial institution to investigate unauthorized or improperly retained funds. They did not provide sufficient evidence to justify the denial of my claim, nor did they demonstrate that the merchant had a legal basis to retain the incidental hold.

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 2026-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: LA

Complaint narrative:
I am submitting this complaint regarding my mortgage servicer, LoanCare, and its denial of my request for loss mitigation assistance. I have been attempting to work with LoanCare since XX/XX/XXXX to obtain loss mitigation options. LoanCare denied my application, stating that I do not qualify because I have made fewer than XXXX payments from the date of loan origination. This determination is inaccurate. I purchased my home in XX/XX/XXXX and made my mortgage payments on time following origination. My loan was subsequently transferred to LoanCare. I continued making payments after the transfer until I experienced financial hardship a few months later, at which point I applied for loss mitigation. LoanCares evaluation appears to rely only on payment history after the servicing transfer and does not account for my full payment history from origination. As a result, the basis for their denial does not reflect the actual age or performance of my loan. I submitted an appeal and provided supporting documentation, including loan origination records showing the XX/XX/XXXX purchase date. LoanCare responded that they would stand by the original denial but did not address or reconcile the documentation provided. I am requesting that LoanCare conduct a complete and accurate review of my loan, including all payment history from origination through the present, and reassess my eligibility for loss mitigation based on the full record. I have made good faith efforts to resolve this issue directly with the servicer but have not received a response that addresses the substance of my concerns.

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC is illegally re-aging these debts by reporting the date they purchased the accounts as the Date Opened. The true delinquency date is XXXX, not XXXX. This violates the FCRA 15 U.S.C. 1681s-2. Please investigate and delete accounts ending in XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am an original XXXX and a confirmed XXXX XXXX XXXX ( XXXX ) as of XXXX XXXX, 2020. Chase Bank committed a major federal violation by intentionally misrepresenting RESPA Regulation X ( XXXX ( d ) ). They claimed I needed a third-party signature from my ex-spouse for a loan modification, even though I was already the legal borrower and SII. He refused to sign off and I lost the custodial home during the pandemic. This " demanded release sign off '' caused the ( XXXX ) loss of my custodial home in 2020 during the pandemic after paying over $ XXXX towards an interest only note ( 2 ) loss of a REFI offered by XXXX XXXX at Chase Estates Dept with $ XXXX debt relief, 2 %, 30 years. It was offered and then revoked the same day although I was full equity owner since XXXX, on the original mortgage as a co-borrower, and formally confirmed as XXXX in XXXX XXXX XXXX 2028. The home was sold in XX/XX/XXXX2021 under financial abuse and duress for {$660.00}. Chase and ex husband choose to ignore my rights and are aware of 5 year tax misreporting since 2014. Chase sent all XXXX to XXXX, who had NO EQUITY since 2014. Errors have not been corrected. Credit reporting is incorrect. In 2024, I sent a Request for Information ( RFI ). Chase responded with a factually false disclosure stating I had " {$1.00} in income, ' which is a standalone violation of 12 CFR 1024.36. I have a recorded Satisfaction of Mortgage from 2021 in my name that proves Chase knew I was the borrower. I am seeking a full investigation into this fraudulent concealment and the ongoing falsification of my mortgage records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley Bank did not have the right to cancel paperwork in the file when we went for closing In XXXX. Valley Bank reached out to us in XXXX asking us to come in and sing this paperwork because they forgot it. When we looked into this we found out that since we did not get this paperwork in the XXXX day requirement We have the right to extend the XXXX year right to cancel under the Truth and lending act ( TILA )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I submitted multiple written requests to the company requesting validation of the alleged debt, identification of the true note holder, and proof of authority to enforce the loan. These requests specifically required production of the original promissory note, complete chain of title, and a verified accounting. On XX/XX/year>, the company responded stating that the loan was valid and in force and provided copies of documents, including a note, mortgage, and account records. The company refused to provide the original promissory note, stating it would only provide a copy. I submitted a second request disputing the response and again demanded validation through competent evidence, including proof of ownership and possession of the original note. On XX/XX/year>, the company issued a second response repeating the same assertions. The company again stated that it is both the servicer and owner of the loan but did not provide any supporting documentation establishing ownership, chain of title, or authority to enforce. The company again refused to provide the original promissory note. The company denied my request for compensation and stated that my legal obligations remain unchanged. The company also stated that no error occurred and that the account was handled properly. The documents provided by the company consist of copies and internally generated records. The payment history provided by the company expressly states that it is not an official business record. No original instrument, no verified chain of title, and no evidence of lawful ownership have been produced. Despite multiple requests, the company has not provided : * The original promissory note * Evidence of possession of the note * A complete and authenticated chain of title * Documentation establishing ownership of the loan * Evidence of authority to enforce the instrument The company continues to assert that the debt is valid and enforceable without providing the required evidence. The responses provided are repetitive and do not address the specific requests for validation. As a result, the issue remains unresolved due to the companys failure to validate the debt and failure to provide proof of ownership and authority to enforce.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: FL

Complaint narrative:
On XX/XX/year> & XX/XX/year>, {$1900.00} was taken from my Widely Card account without my authorization. My wallet was lost with my drivers license and debit cards. I did not know the merchant, did not make the transaction, and did not benefit from it. I disputed it with Widely Card. Since I lost my wallet, I provided them documents of driver license and my SSN. They denied my claim but said I could reopen it. I reopened it and provided a sworn statement that the transaction was unauthorized. Widely Card has not provided me with any proof that I authorized this charge. Under Regulation E, they are required to investigate and provisionally credit my account for unauthorized transfers. They have failed to do so. I am requesting that the CFPB require Widely Card to reverse this charge and provide a written explanation of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: IN

Complaint narrative:
We purchased a mobile home in XX/XX/XXXX with financing through National City. It is a fixed rate consumer loan. We have paid our consumer loan payments for 25 years for the mobile home that we purchased in XXXX. We received a notification in XXXX of XXXX stating that we owed {$38000.00} to pay off the loan. We requested the entire loan history and they sent it to us. According to the loan history they sent, we paid {$180000.00} in payments. The original loan agreement was for {$71000.00}, interest rate of 9.271 %, and the " finance charge '' being {$110000.00}. The total payments should equal {$180000.00}. According to the loan history they sent, we paid a total of {$180000.00} in payments. The total of late charges that were assessed were {$3400.00}. We also had 5 extensions, which cost {$40.00} each. The dates of these were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. PNC states that they do not have any documentation on these extensions. They also stated that we did 12 extensions, but according to the documents THEY provided, there are 5. After these extensions, we continued making payments but the principal amount did not go down. We did not receive any documentation, including on the original loan agreement, that any extensions would cause payments to be applied to interest only. Furthermore, even if we paid the loan during the " grace period '' the total amount that was applied toward interest was higher than if it was paid on the due date. Each time we have called or spoken to PNC, who purchased National City in XXXX or XXXX, they will not provide any information as to why we still owe almost {$39000.00}. We have continued making our " regular '' payments each month of {$610.00} since receiving the letter in XX/XX/XXXX. They are still threatening to foreclose on our property even though we have called and tried to get additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I am disputing escrow refund checks that my mortgage servicer ( NEWREZ ) claims were issued and negotiated. I never received or deposited these checks, and my bank has no record of any such transactions. The servicer has repeatedly stated the matter is under investigation, but more than 30 days have passed with no resolution or documentation provided. I am requesting copies of the negotiated checks ( front and back ), proof of deposit, and immediate reissuance of any funds that can not be verified as properly negotiated.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to prod find similars 's but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable antindisimilaierious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this complaint against Goldman Sachs ( Apple Card ) regarding a billing dispute for {$71.00} with XXXX. I provided clear photographic evidence showing that the designated XXXX parking spot was occupied by an unauthorized vehicle when I arrived, which made it impossible for me to park as required. Despite providing this evidence, Goldman Sachs closed the dispute in favor of the merchant. I am a victim of an unfair charge for a service that was not accessible due to circumstances outside my control. I request a full reversal of this charge based on the evidence provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NY

Complaint narrative:
When I opened my virtual wallet checking account with pnc bank, there were XXXX unauthorized transactions shortly afterwards. Each transaction were from the same merchant XXXX and amount of XXXX. I filed an unauthorized transaction claim with pnc repeatedly but have been denied. They state the reason being that it is against their companys three point policy and refuse to elaborate or give me further instructions. These transactions occurred right after I opened my account and before I even received the debit card. Now, they have even closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I disputed an alleged truck loan debt in writing with Monterey Collection Service on multiple occasions, beginning in XX/XX/year>. In my dispute, I requested validation of the debt, including documentation identifying the specific account, the original contract, a full payment history, and proof that the collector has the authority to collect. The company did not provide proper validation. Instead, they repeatedly sent documentation for a different loan, specifically an RV loan, which is not the account in dispute and is not in collections. This occurred more than once, including after follow-up correspondence. Most recently, the company sent partial transaction records that are not labeled or clearly identified as belonging to any specific account. These records do not reference a vehicle, loan type, or creditor, and only reflect a limited timeframe. There is no documentation connecting these records to the alleged truck loan. In addition, I received a letter from the company stating that a past due maintenance fee balance was paid in full and showing a {$0.00} balance, while the company continues to report and attempt to collect the alleged debt. Despite multiple written disputes and requests for validation, the company has failed to provide documentation clearly identifying or substantiating the alleged truck loan, yet continues to furnish the account to consumer reporting agencies. Additionally, prior to the account being transferred, I experienced ongoing issues with the original creditor, XXXX XXXX XXXX XXXX XXXX I requested information regarding the account and hardship options and did not receive clear or consistent responses. This contributed to confusion regarding the account and raises further concerns about the accuracy and documentation of the alleged debt that was later transferred to the collection agency. I am requesting that this inaccurate and unverified account be removed and that all collection activity cease unless the company can properly substantiate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
United auto keep put this fake account on my credit report as a profit loss and still has a balance for me to pay they havent sent me a 1099 since the wrote it as a loss and trying to break the law and my rights. This account not mine as was opened fraudulently

Company response to consumer: Closed with explanation