vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 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: TN

Complaint narrative:
I sent money to my daughter on cash app in the amount of XXXX  dollars. I selected her name and the app changed the name to another XXXX. As soon as I realized it was wrong I canceled the transaction. Contacted cash app and they said I had to request refund from this person. I did and waited. I do not have contact with this person as we worked together several years ago. But msg her on social media. Where she informed me that she no longer was able to get into that cash app to refund the money. I called cash app back and they told me they would file a claim and wait for the refund request time to run out. I waited several weeks with no answer. When I called back again, after the refund requested had ended and it said was declined. I was told they would start another claim as they didnt know what happen to the other one. I waited again and nothing happened. I contacted my bank who filed a claimed and said I would need to resolve with cash app. A few more weeks went by and I contacted cash app again and which I was told since the money was already in this persons account they could not take the money out I had to get a direct refund from her. I explained to them that she was unable to get into account she was locked out. They said have her call a number and they would help her get in. I reached out to her again with hopes she could get it. They would not help her because she could not remember the card number which was used on that account. Cash app is not helping get my XXXX  dollars back. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
My Cash App account was closed due to violation of Terms of Service. I am looking to access my 2025 tax documents from selling stocks with Cash App after the account was due to close. Cash App is withholding my tax documents unless I file an appeal to reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent {$1000.00} via XXXX to a seller for a collectible item that was never delivered as described. I filed a XXXX dispute on XX/XX/XXXX ( Case ID : XXXX ). 

XXXX required that I submit an IC3 fraud report and supporting documentation by XX/XX/XXXX. I attempted multiple times to upload the IC3 report directly through XXXX dispute portal, but the upload repeatedly failed due to system errors. 

Between XX/XX/XXXX, I contacted XXXX support multiple times via in-app chat and email. A Venmo agent acknowledged the upload failure, provided an alternate upload link, confirmed receipt of my IC3 report via that link, and stated the documentation was escalated to the senior disputes team. 

Despite this, XXXX never updated the dispute portal to reflect receipt of my documentation, never provided written confirmation that my submission was attached to the case, and did not allow me to submit documents through the app. 

On XX/XX/XXXX, XXXX denied my dispute, stating that no supporting documentation was received, even though XXXX own agents confirmed receipt prior to the deadline. 

The denial was based solely on a procedural/system failure on XXXX side, not on the merits of the fraud claim. I am requesting that XXXX reopen the dispute, properly review the IC3 documentation that was submitted on time, and issue the appropriate refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
On XXXX  I bought my home XXXX bought the mortgage from XXXXXXXX XXXX XXXXXXXX I have proof misapplied funds causing late fees misplaced escrow, funds in suspension etc. my mortgage is a 30 year fixed mortgage. Now its a 40 year mortgage I did not consent to this extra 10 years. Because of the misapplied funds it put my loan in default I did a modification and now Im paying XXXX for interest and principal ( principal is XXXX per month the rest is towards interest ) my escrow comes right out of my mortgage note. This has been going on for over 10 years. I owe XXXX over on my mortgage balance that I had nothing to do with I have documentation from XXXX provided for you. Now my maturity date is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT

Complaint narrative:
On XX/XX/year> at XXXX XXXX, repossession agents ( XXXX XXXX and XXXX ) came to my residence on behalf of Nissan, spoke to my wife ( who is not on the loan ), and inquired about the vehicle. I expressly stated I do not consent to repossession, yet they insisted they have to take the car. This constitutes improper third-party disclosure and attempted repossession after non-consent. I demand all future communication be in writing and directed to me only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, an unknown account was discovered while reviewing my credit report through XXXX XXXX. The report showed missed payments for an account opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Shortly thereafter, I checked all three major credit reporting agencies, which each reported the same account. On XX/XX/XXXX, credit freezes and fraud alerts were placed with all three credit reporting agencies. 
On XX/XX/XXXX, I contacted the creditor by phone. The creditor stated the account had been opened using my drivers license but declined to provide additional information and instructed me to submit documentation by mail for a formal investigation. 
On XX/XX/XXXX, I filed a police report with the XXXX Police Department and mailed it to the creditor along with a copy of my drivers license and proof of residence, all signed and dated. The creditor stated the investigation could take up to 90 days. After the stated investigation period elapsed, no response was provided. Upon follow-up, I was informed that the account had been validated, although no supporting evidence was provided. 
On XX/XX/XXXX, I generated an FTC Identity Theft Report. On XX/XX/XXXX, I mailed the FTC Identity Theft Report to the creditor along with another copy of the police report, a written personal statement requesting all records related to the account opening and usage, proof of residence, and a copy of my drivers license, all signed and dated. 
As of XX/XX/XXXX, XXXX XXXX XXXX XXXX has failed to respond to my formal request for supporting evidence and continues to verify and furnish inaccurate information to the credit reporting agencies. The account has been confirmed as identity theft, and all required documentationincluding an FTC Identity Theft Report, police report, proof of identity, proof of residence, and a written statementwas provided to both the furnisher and the credit reporting agencies. Despite this, I have been asked to resubmit the same documentation and the account has not been blocked or removed as required under the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, 1681e ( b ), and 1681s-2

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 non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I got paid for my job & the same day my bank account was closed due to two claims that I had submitted for a loss package and a nonrefundable/returnable item. Well, while learning this I had called my bank and asked why my bank account was closed and they told me that they were allowed to close a bank account without reason and that they would send me a closure check. Fast forward to XX/XX/XXXX I called capital one bank and they told me that they would mail me a check and that it would be here in 7-10 business days. Well, 12 days go by and I called back and they said that it was delivered on XX/XX/XXXX well I called my apartment building and the check was not there. Then I called capital one bank back and they told me they would reissue another check that was sent out on XX/XX/XXXX and expedited to 1 to 5 business days and come present day .. XX/XX/2026, I called and they told me that it was delivered on XX/XX/XXXX at XXXX XXXX Still no check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I received a notification on my experian credit file from national credit systems account numberXXXX. I do not owe this debt. I never received any letters or communication from the original creditor which is know as XXXX waters XXXX XXXX XXXX apts. that I owe this debt. 

I moved out of the apartment on XXXX with my other two sons named XXXX and XXXX XXXX on XXXX. We turned on our keys and paid rent through the move out date. 
I have a 60- day notice to vacate on XXXX. 

I am a victim at this point of identity theft or fraud from The waters at XXXX XXXX apts in XXXX, Sc. 

Experian is reporting that the lease was opened after we moved out on XXXX. Looks like the account closed on XXXX. 

I moved out on XXXX. This is damaged my credit profile because I have not applied to live in this community after moving out. They are reporting information that is not true or valid. I am requesting a removable from all three major credit agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
transaction number XXXX. 
Shellpoints error of misuse of Escrow payment. 
Thie is a formal Notice of Error submitted under Regulation of the REAL Satate Settlement Procedures Act. ( RESPA ). 
Description of Error : On XX/XX/XXXX ( XX/XX/year>, I submitted a payment in the amount of {$2400.00}. My explicit instruction for this specific transaction was for the funds to be applied to my Escrow Acciunt. ( Transaction Number XXXX ). 
I request you to immediately correct this error by reallocating the {$2400.00} to my Escrow Account.

nackdated to the original date of receipt. 
please provide a written confirmation and updated account ledger showing the correction once completed I understand Under Federal Law you must acknowledge this request within 5 business days and resolve the matter within 30 days

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 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was scammed thinking I was being instructed by the fraud dept from regions bank and they had already verified all my info without me even telling them like how much was in my account, XXXX charges and that my credit card had been hacked which I didnt know was! These scammers are so good at what they do. Just know they wont call you and go straight to to your bank! First wife transfer was on XX/XX/XXXX for XXXX. Second one was XX/XX/XXXX for XXXX. Last one was XXXX on XX/XX/XXXX. Totaling {$67000.00}. Soon as I figured out it was all a scam, morning of XX/XX/XXXX, I went to my bank and was holding nothing could be done. The investigator said it was all gone and no way to get anything back and they dont cover or insure those kinds of transfers.

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 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo in violation of Regulation E and money transfer without valid license from either recipient. Wells Fargo has neglected to properly investigate claims and refund my account {$1500.00}. Examples XXXX claims receiver is to be issued 1099 as well as Wells Fargo business of receipt of funds for a realestate transaction involving exchange of information by application and payment of fee to see property is illegal with proper disclosure and license to operate Safe Act. In addition XXXX XXXX over XXXX XXXX transactions runs a fraudulent web scam to complete training online, sober living homes, transportation services, sells of unlawful goods and services all without valid license or insurance to protect customers. I demand full refund immediately and proof of proper investigation by receiving bank and paying bank being Wells Fargo who has violated my rights to a full refund to my account in a proper timeframe on day of claim being opened.

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 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
Ok this company call XXXX XXXX pull money out my cashapp account with my permission. And I didn't give them permission to do it and cashapp going denied me my money my {$4.00} and I dont know nothing bout that company and I never told them to putting nothing and and this what cashapp said denied so cashapp call themselves doing the no error really that still dont give them the right to put it out my account cashapp refuses to give me my money back over a company I didn't give permission to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am filing this complaint against Santander Consumer USA regarding a fraudulent vehicle loan for a XXXX XXXX XXXX  ( Stock XXXX XXXX ). Despite my attempts to resolve this since XX/XX/XXXX and sending formal notice via certified mail, the company has failed to respond. 
The loan agreement contains several serious legal violations : Truth in Lending Act ( TILA ) Violations : The agreement completely failed to disclose the Annual Percentage Rate ( XXXX ). Additionally, it failed to disclose that the {$1000.00} GAP insurance charge ( Policy XXXX XXXX ) was a voluntary product. 
South Carolina Dealers Act Violations : I was charged a {$590.00} " closing fee '' that is arbitrary and not tied to actual costs, which is a violation of S.C. Code Ann. XXXX  and state precedent established in XXXX v. J.I.H. Investments, LP. 
Unconscionable Terms : The contract includes an unenforceable arbitration clause and class action waiver that conflicts with South Carolina public policy. 
Despite these documented fraudulent actions and my formal demand for rescission, Santander continues to threaten me with repossession via email. I am seeking the immediate delivery of a clear title, a full refund of all payments made, and {$50000.00} in damages as outlined in my formal demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Balance chasing. My dog got sick a couple years ago so I applied for the Synchrony Credit. I had a decent limit and paid the minimum every month .. then I paid 1/2 to get my scor up by lowering the usage and they dropped my limit to the new balance. They did it again this month. I am trying to repair my credit and they keep trashing it.

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 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. 
As of XX/XX/year> I have had on and off Fraudulent charges on my account ranging from {$200.00} to {$50.00} I have put in disputes and they just change my card. I have a balance of XXXX to pay off but XXXX of that is all fraudulent charges. 
As of XX/XX/year> the account has closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX had took {$11.00} out of account for a premium account ... which this payment method was not up there. I tried reaching out to XXXX XXXX. I never got a response or my money back so I just decided to keep using the app since they took my money. Today on XX/XX/XXXX. I had my card " locked '' PayPal allowed two merchants to take money out of account while my card was locked. The " lock card '' feature is supposed to protect your money not so other merchants can still be able to take your money!!!! Especially while it is locked. Once again I attempted to contact XXXX XXXX once again can't get a response no phone number no email back.Paypal claims it's nothing they can do about it. Then PAYPAL " ACTIVATED '' MY CARD AFTER I HAD IT ALREADY ACTIVATED AND TAKING Money out OF THE ATM. I'm not sure what PayPal has going on but they are obviously having my best interest at heart. They have been stealing money from me and my brother. He sends money from XXXX and they charge him money and myself money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding my Capital One Quicksilver account XXXX. I have repeatedly requested a hardship accommodation due to prolonged financial difficulty, but my requests have been denied or ignored. 

Background : I was unemployed for 18 months and maintained my payments during that time. 

I recently returned to work, but my income does not cover my basic living expenses, including utilities, rent, and food. 

I have requested hardship accommodations three separate times, beginning XX/XX/year>XXXX  thru present day. 

In XXXX, I disclosed that I had no running water in my home, which led Capital One to waive late fees. Despite this, no meaningful accommodation ( such as a reduced payment plan or temporary forbearance ) was offered. 

Attempts to Resolve : I have emailed the escalation and hardship teams multiple times. These emails have largely been disregarded. 

I have requested information on what criteria I would need to meet to qualify for a hardship plan, and have received no substantive response. 

Current Situation : Without a hardship accommodation, I can not maintain the minimum payments without risking loss of essential services.

I am requesting a temporary hardship accommodation, such as a reduced payment plan, interest reduction, or short-term forbearance, in accordance with Capital Ones hardship program policies.

I request that CFPB assist in ensuring Capital One provides a written response regarding my eligibility for hardship accommodations and a review of my repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had gotten letters from the XXXX of XXXX they still won't turn off the water and it has been going on two years since I moved out. The lawyer the XXXX XXXX XXXX 

The tax bill the XXXX XXXX XXXX IRS said it wasn't paid but Shellpoint said they paid it. Then XXXX XXXX XXXX IRS said that Shellpoint paid it. 

Now there is a Summary Judgment Hearing. I talked to a lawyer and he told me there should be a Summary Judgment Hearing there was a Deed in Lieu and clear title and that is it. So he told me to go to the Summary Judgment and say that. 

This is so unbelievable cruel and who does this to someone? 

I got to letters in XXXX of XXXX  that said I didn't own the house and that they were canceling the homeowners insurance because the house was out of my name. 

There are laws protecting me from this I know it but why aren't they following the law.

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