vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I tried to call debt collector. They refused to talk to me. My lawyer called and also was denied. I requested these documents 5 months ago. 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including any fees, interest, or charges. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that your agency is authorized to collect on this debt. 5. A copy of any agreement or contract bearing my signature related to this debt. Til this date. They have not sent anything to email or written to my mailing address. I called, I was denied and last call they hung up in my face. This is hurting all XXXX of my credit reports. I tried and tried, but they will not talk to me or my lawyer. I think this should be deleted asap. I tried to take care of it going on 6 months. They don't have the right paper work. They are not the original creditor. My debt was sold without notifying me. This is illegal. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I am submitting this complaint against Nelnet regarding improper negative credit reporting and failure to properly review or act on my prior written hardship notice. I previously provided a letter to Nelnet in XX/XX/year> explaining that my financial circumstances remain unchanged, that I still have no earned income, and that I needed the same kind of hardship-based relief or account protection that had previously helped address this issue last year. I am a XXXX XXXX but I receive absolutely no salary. My role is entirely unpaid. I also qualify for XXXX, which reflects my financial hardship. Despite that written notice, Nelnet has reported new negative information on my credit report over the last few months. I dispute that reporting. Had my XX/XX/year> written notice been properly reviewed and acted upon, or had I been clearly told in writing what additional documents were needed, this matter should have been addressed before more damage was done to my credit. I also requested that communication regarding this matter be made by U.S. mail and email because the phone line connected to me is a XXXX XXXX line that receives large amounts of spam and unknown calls. It is not a dependable method for important communication. I requested written communication, but instead of receiving a clear written resolution, I have been hit with additional negative reporting. After reviewing my credit reporting, it also appears that Nelnet is reporting XXXX tradelines of its own and may also be reporting XXXX loans tied to the XXXX matter, creating what appears to be overlapping or duplicate negative reporting. I am asking Nelnet to investigate that issue as well. This complaint is not about refusing to pay out of disregard. It is about unchanged hardship, prior written notice, lack of proper written follow-up, and credit damage that should have been prevented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Dave Operating, LLC
State: WA

Complaint narrative:
I closed my account twice. Once in XXXX and another time today on XX/XX/XXXXXXXX via the app. I received an email that because my account has not been active, they are going to start charging me a fee. I don't understand how they can charge a fee on a closed account. The process to cancel the account, get confirmation of the closure, and speak with someone is purposely XXXX to create difficulties for the consumer. I would like Dave to apologize to me and confirm that my account has been closed successfully without me spending further time and energy on this matter. I called and spoke to a customer service agent at XXXX who promised to send me a follow-up email, but I have not yet received it. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: NC

Complaint narrative:
OFFICIAL STATEMENT OF FACT : XX/XX/XXXXXXXX I. EXECUTIVE SUMMARY : I am reporting Block, Inc. ( Square ) for systemic failures in merchant protection, willful violation of 12 CFR 1005.10 ( Regulation E ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act. Square has facilitated a series of fraudulent, retaliatory chargebacks and unauthorized debits totaling over {$3000.00}, which they are now using to cross-collateralize and default a $ XXXX Square Capital loan. XXXX. MERCHANT FRAUD & FAILURE TO INVESTIGATE : Between XX/XX/XXXXXXXX and XX/XX/XXXX, a client ( XXXX XXXX XXXX XXXX ) initiated three fraudulent chargebacks of {$500.00} each ( {$1500.00} total ) and a retaliatory pull of {$1400.00}. Square was provided with definitive written evidence of project completion and buyer satisfaction. The buyer explicitly stated : " I paid you {$1500.00} to build a webiste and you built a great one '' and " Publish approved. '' Square ignored this " Smoking Gun '' evidence, violating the " Reasonable Investigation '' standards required for financial intermediaries. III. REGULATORY VIOLATIONS : Regulation E Violation : On XX/XX/XXXX, I provided a formal Revocation of Authorization t o Square. Square ignored this legal mandate and continued to attempt fraudulent debits. Abusive Practice ( Cross-Collateralization ) : Square is attem pting to link this fraudulent deficit to an independent Square Capital loan, using a manufactured debt to coerce payment. Dark Patterns : Squares platform explicitly obstructs the unlinking of bank credentials while a fraudulent dispute is " pending, '' preventing me from protecting my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I tried to make a debit card payment, but the company, XXXX XXXXXXXX XXXX XXXX, would not accept it. Then I gave them my checking account number with bank routing number, and they said that wasn't enough and that I need to share with them some personal information. I refused to share personal information and they refused to process my payment.

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 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: GA

Complaint narrative:
My mortgage loan was transferred to Selene XXXX on XX/XX/XXXX. Since the transfer, I have been unable to access my online account to make my monthly mortgage payment. I have made multiple attempts to contact the servicer using the provided phone numbers ( XXXX and XXXX ). Each time, I am placed on extended hold and prompted to request a callback, but no callback is ever received. I have also attempted to resolve this issue through email without success. As of the payment deadline, I have been unable to reach a representative or gain account access, preventing me from submitting my mortgage payment through normal channels. I am actively attempting to pay on time, but the servicers lack of response and system access issues have made this impossible. Additionally, I do not have access to my new loan account number following the transfer, which further prevents me from submitting payment through alternative methods. I am requesting immediate assistance to : 1. Provide access to my account or my correct loan number 2. Allow me to submit my payment without penalty 3. Ensure that no late fees or negative credit reporting occur due to this servicing failure I have made multiple documented attempts to resolve this issue prior to the deadline and expect this to be taken into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I reported a {$4800.00} unauthorized peer-to-peer transaction. During the investigation, Chime confirmed that my account credentials and personal information were changed and that access occurred from an unrecognized XXXX device that I do not own or use. Despite clear evidence of account compromise, Chime denied my claim and has delayed providing the investigation results. I dispute that this transaction was authorized and believe Chime failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
SPS XXXX XXXX escrow for taxes. Taxes were due XX/XX/year>. They have not paid those taxes. I contact them on XX/XX/year>XXXX about why they had not paid those and they said they would address that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
Was trying to solve this issue with the debt collection and they were very rude and did not want to send me over the documentation I requested that could prove the debt is actually owed. We moved out in XXXX and they are trying to charge me utilities in XXXX and XXXX even after sending back my move out deposit. The debt collection agency will not provide me with proof of agreement to show this is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject : Complaint Regarding Withheld Funds Following Account Closure Wells Fargo Consumer Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Institution : Wells Fargo Bank , N.A . Summary of Complaint : I am filing a formal complaint regarding the failure of Wells Fargo to return my personal funds following the closure of my account. My account was closed by Wells Fargo on XX/XX/year>. At the time of closure, the account contained approximately {$17000.00} in personal funds. I was explicitly informed that a certified ( cashiers ) check for the full balance would be issued and mailed to me within 15 days. As of today, I have not received the check, and the promised timeframe has passed. Details of the Issue : Date of account closure : XX/XX/year>XXXX Wells Fargo stated that a certified check would be delivered within 15 days Current status : No check received ; no confirmed delivery ; no clear explanation provided I have contacted Wells Fargo customer service multiple times. Despite these efforts : I have not received confirmation that the check has been issued I have not been provided a check number, issuance date, or tracking information I have not been given a clear reason for the delay Impact : This situation has damaged my reputation and financial standing, preventing me from paying my bills. The lack of transparency and failure to meet the stated timeline has created financial uncertainty and concern. Requested Resolution : I am requesting that Wells Fargo : Immediately confirm whether the cashiers check has been issued If issued : Provide the check number, issuance date, and delivery details Initiate a stop payment and reissue the check if it has been lost If not issued : Provide a clear explanation for the delay Issue and deliver the check immediately via expedited, trackable delivery Ensure I receive full access to my {$17000.00} without further delay Additional Concern : The failure to return customer funds within the promised timeframe, combined with the inability to provide basic status information, raises serious concerns regarding Wells Fargos handling of account closures and customer funds. I appreciate your prompt attention to this matter and request a timely resolution. Sincerely, 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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I received a loan from One main XX/XX/year>XXXX for XXXX. The percentage rate was 31.62 % Paying for an almost an entire year and my amount owed for principle is still in the XXXX. I contacted One main Monday XX/XX/XXXX at XXXX XXXX requesting to get refinanced on a loan and I was informed that since I was XXXX XXXX I couldn't do it because I would have to put down collateral. I started looking into my loan agreement and the total amount owed is {$8000.00}. Almost double of what i received. Getting more information on MAPR, I reacted out to One main via email on Monday @ XXXXXXXX requesting the following documents that I was informed that i needed due to me being XXXX XXXX. 1. A copy of the Military Annual Percentage Rate ( MAPR ) disclosure provided at the time of loan origination. 2. A complete breakdown of all fees, add-on products, and charges included in the loan, including and credit insurance or optional products. 3.Documentation showing how my MAPR was calculated, including all components required under MLA guidelines 4. Confirmation of whether my XXXX XXXX status was verified at the time of origination. 5. A copy of any oral disclosure that was required under MLA, including how and when it was provided. I haven't received an email or call back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
I am filing a complaint regarding a personal installment loan that was approved and reoriginated but never funded. Timeline : - XX/XX/year>XXXX : Loan approved - XX/XX/year>XXXX : Initial origination date - XXXX XXXX XXXX XXXX I received notifications that funds were not delivered. I contacted customer service and was instructed to submit a voided check. I submitted the voided check on XX/XX/XXXX. - XX/XX/year>XXXX : My bank account was verified, and the loan was reoriginated. I was informed that funds would be delivered within 13 business days. - XX/XX/year>XXXX : Funds were still not received. I contacted the company and a funding investigation was opened. - XX/XX/year>XXXX : I received a generic response again stating that the loan reoriginated on XX/XX/XXXX and to wait 13 business days. - As of XX/XX/year>XXXX : Funds have still not been disbursed. Despite this : - My bank account was verified successfully - The loan is marked as active - Interest is accruing on the loan - No funds have ever been received in my bank account I requested from the company : - Confirmation of whether funds were disbursed - Proof of disbursement ( ACH trace ID or transaction record ) - Resolution, including either funding of the loan or cancellation - Confirmation that no interest, penalties, or negative reporting would occur The company has not provided this information and has only sent generic responses that do not address my case. This is a servicing and funding failure. I am being charged interest on a loan that was never disbursed. I am requesting : 1. Immediate investigation and resolution 2. Either proper disbursement of funds or full cancellation of the loan 3. Removal of all accrued interest 4. Confirmation that no negative reporting will occur

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
b'On XXXX XXXX XXXX my husband and I applied individually to a Citizens bank promotion offering a bonus of up to XXXXXXXX. If certain deposit requirements were met . We applied online and both of us were sent confirmations by email the same day that our applications were accepted along with promotion codes for each of us. (see attached). We both met the requirements over the next few months and on XXXX XXXX XXXX my husband received his bonus but mine didnt arrive. On XXXX XXXX XXXX , we called citizens promotion dept XXXX XXXX XXXX XXXX to inquire why I didnt receive my bonus. The representative said I was disqualified because their records show I had closed my previous citizens account in XXXX XXXX XXXX and 6 months had to elapse before applying for a new promotion.we explained my husband and I both closed our previous Citizens accounts on XXXX in person at the Citizens branch on highland road in XXXX Mi XXXX . We withdrew all our funds from both accounts and the teller informed us that the accounts were now closed. During the XXXX XXXX call to Citizens , we spoke with a supervisor XXXX (XXXX) who confirmed towards the end of a lengthy call that she did agree that my account was closed on XXXX but that we would have to go the branch where we opened the account and have them correct their records regarding the closing date in order to receive the bonus. We appeared in person at the XXXX branch and spoke with XXXX who could see we came into the branch on XXXXXXXX and closed our accounts.he said he would request an appeal to the promotion denial. About two weeks later he called us to say he was unsuccessful and referred us back to the promotion department. We told him they had referred us to them. He said there was nothing more he could do.\nMy Central complaint is this: I wouldnt have an issue for Citizens rejecting me if I had been rejected when I originally applied for the promotion. Instead, they sent me a congratulatory email along with a promotion code. I believe any reasonable consumer would think they did indeed qualify and proceed accordingly. Over the course of several months , I changed my direct deposit SS check to Citizens and made thousands of dollars of deposits. It was when I inquired about my bonus , AND ONLY THEN, was I told I didnt qualify for the offer. This clearly is deceptive and in my opinion fraudulent practice.i acted in good faith during the whole process, not realizing I was never going to receive the bonus from the outset,despite the congratulatory email and promotion code. More than one representative have in fact have confirmed the earlier closing date yet the bank stands by their denial and refuses to correct their records.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
santander auto loan they have been paid off but it still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am filing a complaint regarding XXXX refusal to reimburse {$800.00} in unauthorized transactions from my account. The transactions were sent to two separate XXXX XXXX accounts without my knowledge or consent. XXXX denied my dispute on the basis that a YES text confirmation was received from my phone number. I am disputing that determination. At the time of these transactions, my phone and/or account was compromised. I did not knowingly, intentionally, or willingly authorize any transfers. Any confirmation message that may have been sent does not reflect informed consent or legitimate authorization. This situation should be treated as unauthorized electronic fund transfers resulting from fraud and/or account compromise. I did not benefit from these transactions in any way. I have already submitted a police report and supporting documentation. Despite this, XXXX has denied my claim without adequately addressing the possibility of account compromise or fraudulent inducement. Under the Electronic Fund Transfer Act, consumers are protected from liability for unauthorized electronic transfers when reported in a timely manner. I am requesting that XXXX be required to properly investigate this matter and issue a refund for the unauthorized transactions. I am seeking reimbursement of the full {$800.00} and a formal review of XXXX dispute handling process in this case. 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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am formally disputing this account in its entirety. This debt is inaccurate and does not reflect services fully rendered. This account appears to be related to orthodontic treatment that was not completed. Therefore, the balance being reported is questionable and must be fully substantiated. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting strict validation of this account. Please provide : - A complete itemization of all charges, including dates of service - Proof of services actually rendered versus contracted services - A copy of the original signed agreement - Documentation showing how the current balance was calculated - Proof that Midland Credit Management has legal ownership and the right to collect this specific debt Additionally, please explain how you are reporting a balance for services that were not completed, and how this complies with accurate credit reporting standards. If you are unable to provide full and complete documentation validating this account and balance, you must delete this account from all credit reporting agencies immediately. Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ). I expect a timely response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX for {$120.00} was scammed and tried reaching out to cash app support they were no help XX/XX/XXXXXXXX {$15.00} was never given money back in refund also by cashapp

Company response to consumer: Closed with explanation