vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I noticed extreme fraud on my Wells Fargo account. I made a call in to explain what I found. XXXX dollars missing and my internal account information has been compromised. They did NOT freeze my account instantly. Instead I got transferred and disconnected. I had to call back in only to be forced to go into a bank because the hacker changed my phone number and I could not receive the verification code. I went in and though I had a it somewhat under control. They locked my account so I went in to get in unlocked to pay bills. I left with a new account as we waited for wells fargo to get my money back. We made a transaction in the bank. Due to this transaction IN the bank the next morning they froze my account again. KEEP in mind the hacker did XXXX separate transactions totalling XXXX dollars and changed all my XXXX XXXX and XXXX information and they never once froze my account during all that activity. The inconsistency and neglect on Wells Fargo is disturbing. Today is XX/XX/XXXX. I still have no answer on my money as I have to keep calling and going into the bank for updates. I am going in again today. They called with a high profile case but there is no dedicated officer and Everytime I call I have to explain all over again why I am calling and what happened. I have been a customer for over XXXX years and they way this has been handled is extremely disturbing. I was in the bank. My banker was on the phone and confirmed someone from a different phone number tried to call and get access to my account while I was physically with my banker. For some reason this wasn't enough to prove someone else is trying to get back into my account. My next step is local news outlets and a lawyer

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 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I am filing a complaint regarding the mishandling of my mortgage repayment process by HSBC Bank USA and their servicing partner, XXXX In XXXX of last year, XXXX scheduled repayment ( XXXX ) failed due to insufficient funds. In XXXX, I received a letter in XXXX XXXX ( letter dated XXXX XXXX and it arrived in early XXXX ) from XXXX advising me to maintain sufficient balance to avoid further action. In fact, I had already rectified the issue ( on XXXX XXXX ) before the letter arrived and, from that point onward, consistently ensured that my account held more than enough funds for all subsequent repayments. Despite this, I recently discoveredby accidentthat the servicer stopped processing my mortgage payments entirely after the failed payment in XXXX. At no point did HSBC or XXXX notify me that payments were no longer being attempted, nor did they inform me that any additional action was required on my part. I also did not receive any communication indicating that my loan had been classified as delinquent. I only learned of the delinquency status last week, many months after the fact. This situation is extremely concerning because : I complied fully and promptly with HSBCs instructions after the missed payment. The servicer stopped processing payments without notifying me. I received no communication about the halted payments or delinquency. The lack of notice prevented me from correcting the issue earlier. I have maintained sufficient funds in my account for every payment since XXXX. Given these facts, I believe the delinquency classification is unjustified and the result of a servicing failure, not borrower neglect. The lack of communication has caused significant stress and may have affected my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
I am disputing a collection account being reported by Rent Recovery Solutions for {$7500.00} related to XXXX XXXX/ XXXX XXXX. I have not been provided proper validation of this alleged debt. I am requesting verification including a signed lease agreement, itemized statement of charges, proof of the amount owed, and documentation showing that Rent Recovery Solutions has legal authority to collect this debt. If the company can not provide complete validation under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, this account must be removed from my credit report immediate

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX indigo is reporting that I had late payments on my account but it was their systems fault that my payments weren't being made. I set up automatic payments and their system didn't take the payment. I payed it off the following month and they wouldn't fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: IL

Complaint narrative:
I received an email last week that my Cash App account was restricted. I do not have a Cash App account and called the company. I was told one was opened over 10 years ago and was closed. They would send me an email to fill out some forms to confirm the account was closed and no further action was needed. Never got such email and today I received another stating my account is restricted. I called a customer service representative so you can continuously tell me. I do not have an account with you yet. Im able to log into the app. You guys have illegally opened an account under my name and my information and I want it closed. I also want contact information as I am getting an attorney to sue you if you do not get this closed. You do not have my permission to have an account open in my name. You do not have permission to continue to allow such fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MA

Complaint narrative:
This complaint is for Cashapp. They closed my account saying I violated terms and they refuse to tell me what I did or reopen my account. I know for a fact that I did not violate anything. All I use my account for is to send money back-and-forth with friends when we are splitting a bill. Also, now I can not even send money to my son since his account was connected to mine and they closed that also. From what I have read online, they are doing this to a lot of people and I believe it should be looked into. It is not fair. Especially when other people just like me have been relying on the service for years and then XXXX day, they just deactivate us. Its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: DISCOVER BANK
State: TN

Complaint narrative:
Fraudulent charges for a total of {$310.00} XX/XX/2025 : {$22.00} at XXXX XXXX in XXXX, TN XX/XX/2025 : {$20.00} at XXXX in XXXX, TN XX/XX/2025 : {$17.00} at XXXX in XXXX, TN XX/XX/2025 : {$9.00} at XXXX XXXX in XXXX, TN XX/XX/2025 : {$240.00} at XXXX in XXXX, TN Have reported fraud to Discover and appealed XXXX XXXX, and they keep closing the case due to " no evidence that these purchases were not made by [ me ]. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used the XXXX application through Bank of American 's XXXX account access tool to pay a contractor for the remodeling of my bathroom. The money sent BUT was stolen and work not done, Bank of America did not return the funds even though fraud had occurred before the receiving bank account was shut down and money was not recoverable. My NUMBER LINKED TO THE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I can be reached at XXXX {$6500.00} was paid out and not returned even through fraud was established. I didn't know this account had been involved in other bad acts for the same behavior but wasn't suspended and no warning were in place to protect me. The other bank shut down the contractors account because of his bad acts. my account number 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 2026-03-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp.
State: VA

Complaint narrative:
The lease on my XXXX XXXX XXXX ended. I turned in the vehicle at the XXXX dealership in XXXX, NC on XX/XX/XXXX. I received the lease termination statement on XX/XX/XXXX. The statement included charges for " prepaid property tax '' in the amount of {$830.00} and " estimated property tax '' in the amount of {$2900.00}. I contacted the XXXX and XXXX XXXX administration office to confirm whether or not these charges are accurate as they seem excessive and the amount of the prepaid property tax is the exact amount of my lease payment ( and that seems ironic ). The XXXX rep informed me that she did not know where the figures came from and she advised me to contact XXXX XXXX XXXX XXXXo request an itemized invoice and copies of any tax bill they've received that indicates these amounts are owed. I have contacted XXXX XXXX XXXX XXXXXXXX times to request an itemized invoice and copies of the tax bills. Each time I have been told that they would send the invoice and bills. I still haven't received an itemized invoice nor I have I received a copy of the tax bill that XXXX XXXX XXXX says they received. I have leased several vehicles and I have never been late on a payment. If the amounts are valid, I don't understand why it has been so difficult for XXXX XXXX XXXX to produce the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Account : Continental Finance Company Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> I am filing a complaint regarding inaccurate and potentially misleading credit reporting by Continental Finance Company on my credit report regarding account number XXXXXXXX XXXX XXXX XXXX XXXX, which shows a date opened of XX/XX/year>. The account is being reported as a revolving credit account with a {$0.00} balance ; however, the reporting does not clearly reflect the true and accurate status of the account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), companies that furnish information to credit reporting agencies are required to report information that is accurate, complete, and not misleading. The current reporting appears inconsistent and may not comply with Metro 2 reporting standards used by credit furnishers when reporting accounts to credit bureaus. If the account has been resolved or closed, it should clearly be reported as closed and paid, not as an active revolving account that may misrepresent my credit status. I have not been provided documentation verifying that the information currently being reported is accurate and compliant with Metro 2 reporting standards. I am requesting that Continental Finance Company conduct a full investigation into the accuracy of this account and provide documentation verifying : the original credit agreement the full account payment history the current account status and reporting classification compliance with Metro 2 reporting standards If the company can not provide documentation verifying that the information being reported is accurate and compliant with the Fair Credit Reporting Act, I am requesting that account number XXXXXXXX XXXX XXXX XXXX XXXX be corrected or permanently removed from my credit report with all credit reporting agencies.

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 2026-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: GA

Complaint narrative:
The payment plans the servicer has setup that have caused hardship! * The Repayment creates a hardship that would prevent a minimal standard of living * The hardship is likely to continue * I have acted in good faith to try to repay They evaluate your income every XXXX months when the average person 's income changes every XXXX years. Despite the income remaining the same, and in some instances decreasing, the payments continue to increase and are no longer sustainable. The payment plans are flawed and have caused hardship that prevent a minimal standard living. I called and explained multiple times to the servicer that I can not afford the payment. They told me that my only options were to have my income reevaluated, but assured me that regardless the payment was going to increase. The representative stated that regardless of what the income is, the system is designed to automatically increase the payment. The balance originated at XXXX. I've paid them nearly XXXX .. and I still owe over {$100000.00}! The payment continues to increase. The representatives are ill prepared. They're not trained. They're not friendly and they provide misinformation.. What is the point of an income based program if the payment continues to increase regardless of the income or employment status? The program is flawed!! The services has grossly mishandled its loan service and responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Newport Intermediate Inc.
State: AL

Complaint narrative:
Someone transferred my money from my account to their account without my permission. I called my bank to let them know It was fraud and explain what happened and to dispute it. They gave me such a hard time didnt listen to me. I did a fraud claim. After I did that I called them a few days later to check on the investigation thats when they told them my refund was denied. I asked them why because I did everything they told me to do for my fraud claim. And wouldnt tell me why when I asked them on the phone. I reported to them the fraud on my account the same day. So I followed procedures or the process and still was denied. I just wanted my money back that was stolen from my account out the blue. I am a victim of bank fraud and just want what was stolen from my account and my bank want help me for whatever reason

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
XX/XX/year> I called paid XXXX / AKA Rocket Mortgage {$130000.00}. I requested the amount be applied to my principal amount. They agreed and said this would be completed within 7 days. XX/XX/XXXX XXXX I called and then paid XXXX XXXX /Rocket Mortgage another {$10000.00}. I requested the amount be applied to my principal amount. They agreed and said this would be completed within 7 days. I have called 3 times because nothing was applied Called XX/XX/year>, XX/XX/year> and XX/XX/year>. As if XX/XX/year> the {$13000.00} was finally applied toward the principal. The {$10000.00} paid XX/XX/year> has still not been applied. Once the {$10000.00} the loan should be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: IL

Complaint narrative:
You allowed someone to fraudulently open an account without my permission. I spent hours on the phone with your call center and they refused to transfer me to a supervisor. They told me a I had to download the app to request assistance. Basically solidifying an account was created without my permission as I had to go through various verifications to get into the app. Once I got in two of your chat representatives refused to transfer me to a supervisor. Ive had it. YOU DO NOT HAVE MY PERMISSION TO OPEN AN ACCOUNT IN MY NAME. I WANT NOTHING TO DO WITH YOUR COMPANY EVER. YOU ILLEGALLY ALLOWED SOMEONE TO OPEN AN ACCOUNT IN MY NAME AND REFUSE TO CLOSE IT OR PROVIDE ANY ASSISTANCE. I will be getting an attorney involved if this is not resolved in the next 30 days and if any illegal transactions occur during such time while you investigate and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am filing a formal complaint regarding an improper {$30.00} fee charged to my account with U.S. Bank. This charge appears to have been applied in error, and I expect it to be refunded immediately. There was no valid basis for the fee, nor was there any clear or reasonable explanation provided that would justify its application under the terms of my account. More concerning, this does not feel like an isolated incident. Based on both my experience and widely reported customer concerns, this appears to reflect a broader pattern of questionable fee practices. It raises serious concerns that your systems may be structured in a way that disproportionately and unfairly penalizes customers and potentially in a manner that could be perceived as predatory. I am requesting the following actions without delay : Immediate refund of the {$30.00} fee. A clear written explanation of how and why this fee was assessed. Confirmation that appropriate steps are being taken to prevent similar improper charges in the future. Please be advised that I am prepared to escalate this matter to the Consumer Financial Protection Bureau if it is not resolved promptly and satisfactorily. I expect a response and resolution within a reasonable timeframe.

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 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I have had this account for over 3 years and this is the first time I have filed a dispute. I had a duplicate transaction and tried to settle with vendor but they told me to contact bank. Charge was on account on XX/XX/XXXX, I noticed and reported it on XX/XX/XXXX. I have still not recieved a provisional credit as Regulation E requires them to. Instead it tells me on the app that I may recieve a credit by XX/XX/XXXX. This is 30 days after the dispute was filed and that it will likely be resolved by XX/XX/XXXX, which is 45 days delinquent of when it needs to be resolved because they never contacted me in anyway ( especially in writing ) to explain they would need extra time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: IN

Complaint narrative:
On or about XXXX throughout & up until XXXX of XXXX at different dates & times between those time frames I had contacted CASH APP ( BLOCK INC ) about many different unauthorized transactions I had on my account. I requested them to do a full investigation into this matter. Everything was done online & it was very hard to speak w/a live agent. Within a very short period of time CASH APP would let me know that my request was denied. According to the FCRA a person that is not responsible for a fraudulent charge or debit is not responsible for that payment & should be refunded their funds as long as the transaction was reported early. Well CASH APP denied me Within hours each time throughout this time frame & would always deny me & tell me that they could not tell me anything at all about my situation due to their policies. After these many transactions & instances amounting to over {$4100.00} they never once credited my account back. Then my account would be shut down every single time without exception. Also, id have to pay exorbitant fees for instant transfers of my money from XXXX account of mine to another & it was never instant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: LA

Complaint narrative:
XXXX was stolen from me on cash app to make fraudulent purchases. This occurred XX/XX/XXXX around XXXX XXXX. Ive filed police reports, reported to cash app & still havent received my money back.

Company response to consumer: Closed with explanation