vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Rocket mortgage took over for National mortgage at the beginning of this year ( 2026 ). I sent payment to them but they did not accept it. The next month I paid and they accepted but did not mention that my payment didn't go through. I didn't realise until they started charging me XXXX in XXXX of this year. I have since paid up, including late fees, however I received a letter XX/XX/XXXX that a dedicated loan XXXX was assigned to me. I have also received countless robo calls with no one on the other line from Rocket mortgage. I have tried to call this XXXX, but the number is just another ai that loops you for XXXX minutes without reaching this person directly. I left it alone because I am up to date in payments however yesterday ( XX/XX/year> ), I receive a letter with the intent to foreclose for the amount of over XXXX. I am at a loss since my payments are up to date. I tried again to call this loan XXXX and again I got the XXXX XXXX XXXX that will not allow me to talk to anyone human directly. It hangs up on when me I request for a human stating that it could help me since customer service is busy with other customers. I am also given the option of going online. Options that will not help me. What am I to do? Just let them tack on excessive fees? Foreclose on me when I'm up to date with my mortgage? Ruin my credit? These are all unacceptable. I'm sure I'm not the only individual with a lot of equity in their home that rocket is doing this to. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint regarding Capital Ones denial of my dispute for a transaction of {$590.00} on XX/XX/year> under Merchandise Not as Described. I selected a white/light-colored nightstand in the store showroom. However, the item delivered to me is a darker beige/wood tone, which is clearly different from what I agreed to purchase. Capital One denied my claim because I still have the merchandise. I want to clarify that I am fully willing to return the item. However, the merchant ( XXXX XXXX XXXX ) is no longer in business and all locations have closed, making return impossible. I attempted to contact the merchant but received no response. Due to the closure, I have no way to obtain return instructions or complete a return. I should not be held responsible for merchandise that is not as described and can not be returned due to the merchants closure. I respectfully request that Capital One reopen and reconsider my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/year> {$720.00} was debited from my checking account and paid to Wells Fargo. On XX/XX/year> wells fargo attempted to debit another {$720.00} from my checking account again, a stop payment was placed on the XXXX attempted debit as advised by a Wells Fargo rep. The first debit on the XXXX in the amount of {$720.00} was paid, confirmed by my bank on a XXXX way call with Wells Fargo as well as a copy of my bank statement faxed to Wells Fargo. A XXXX number was provided to me from XXXX XXXX ( my bank ) for the XXXX transaction for the paid debit which was also fwd to Wells Fargo. My auto loan with Wells Fargo has still not been credited the {$720.00} they took on XX/XX/year> and they are threatening me with repossession.

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
About XXXX years ago, my car was repossessed. The car never left my state of XXXX. I redeemed my car although XXXX titled my car in XXXX, but after I redeem my car, they never switched it back to my name or XXXX. When I found out about this issue I contacted XXXX in XX/XX/XXXX multiple times up to today. Today is XX/XX/XXXX and the issue is not fixed yet. I can not drive legally. I can not register my vehicle. I was past due on my balance for a while because I did not want to pay for a car that I could not drive, then I fulfilled my balance in full just to see if they would remedy my situation and they did not. I am beyond frustrated and distressed about this situation. They keep demanding money for me. I cant give me something simple as my title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Rocket Mortgage used outdated insurance information in an escrow analysis, increasing my monthly payment. I sent written notices on XX/XX/XXXX and XX/XX/XXXX with proof of new insurance already paid, and received no substantive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I was notified by the credit bureau that a account of a little more then {$2100.00} had been reported to the bureau as a collections account. I reached out to the company that had reported the account, which is T-Mobile. I spoke with a live representative who verified that the account was in my name i explained that I have never had a relationship with their company and that I demand that it be removed. The representative advised that there may be more than XXXX account but could not help me. She transferred me to the fraud department, who then advised me to submit a report to their department, which I did back in XX/XX/XXXX. I was a victim of identity fraud. I filed a report with the XXXX Police Department and locked all of my credit reports so I do not understand how this company allowed someone to receive anything in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Transaction Amount : {$1300.00} Merchant : XXXX XXXX ( XXXX ) Bank Case Number : XXXX XXXX. Incident Overview and Timeline : XX/XX/year> : An order was placed with XXXX XXXX for a high-value electronic device. XX/XX/year> : Delivery was attempted. The carrier obtained a clerical signature from a third-party receptionist. The authorized cardholder did not sign for this package and never provided authorization for any third party to accept or inspect high-value merchandise on his behalf. Immediate Refusal : Within minutes, the cardholder personally inspected the box and found it tampered with and empty. The delivery was refused on the spot. The carrier driver scanned the package, acknowledged the tampering, and took the empty container back into his custody. XXXX. Consumer Due Diligence and Good Faith Actions : The cardholder has fulfilled every obligation required of a responsible consumer by utilizing all prescribed channels immediately : Merchant Claim ( XX/XX/XXXX ) : A formal claim was opened with XXXX XXXX on the day of delivery ( Ref # XXXX ). Carrier Claim ( XX/XX/XXXX ) : A claim was initiated with XXXX immediately to report the tampered shipment ( Ref - XXXX ). XXXX XXXX XXXX : A formal Police Report was filed ( Case # XXXX ) to document the theft from the merchant 's supply chain. Formal Dispute : Only after the merchant failed to resolve the issue did the cardholder initiate a formal dispute with Capital One, providing all aforementioned documentation. XXXX. Evidence of Non-Delivery : Despite the merchant 's claim of " delivery, '' the following evidencewhich proves the merchandise never reached the cardholderhas been submitted to the bank : Photographic Proof : Timestamped images of the empty, damaged box in the presence of the carrier. Witness Affidavit : A statement from the receptionist confirming they were unauthorized to accept the goods and witnessed the immediate return of the empty box to the driver. XXXX. The Basis of Complaint against the Financial Institution : The bank is in violation of its investigative duties under the Fair Credit Billing Act ( XXXX ) by : Relying on an Unauthorized Signature : Prioritizing an invalid, third-party signature over physical and law enforcement evidence. Administrative Exhaustion : Subjecting the consumer to a cycle of generic automated denials and conflicting verbal instructions, effectively ignoring the documented fact that the merchandise was refused and returned to the carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I never recieved any information letting me know i could dispute debt amount or any amount owed through them ever ive called and no information was given on how to use these steps due to my hard financial burden situation i have right now

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint against Citibank regarding a simple refund issue that I have been unable to resolve due to extremely poor customer service and lack of access to competent support. I received a notice regarding a refund request for a {$30.00} RETURN CHECK FEE dated XX/XX/2025. This is a very simple issue, and I was simply trying to confirm and receive this refund. However, I have made multiple attempts to contact Citibank through their app chat and by phone, and I have been unable to get any meaningful assistance. The chat support was ineffective and did not understand my request. It kept responding with the same messages, no matter what I was saying. It failed to understand even as basic command as " How do I contact a dispute place? '' It just kept saying, " I don't understand you, can you say it in different words? '' I called customer service multiple times over the phone and was connected to agents who could not understand my English, despite this being the English-speaking support line. None of the agents were native English speakers. They couldn't understand me at all. This made communication extremely difficult and frustrating. I repeatedly requested to speak with a supervisor, but I was refused multiple times. I was told the supervisor needed to review the issue first and was not available to speak with me directly. At no point was I transferred, despite clearly asking. To my request, who I can talk to above the supervisor, the answer was denied at every cost. This is not acceptable customer service for a financial institution. Customers should have the ability to escalate issues and speak with someone who can understand and resolve a basic request. This situation is especially concerning because : The issue itself is extremely simple. I should be able just to file it over my app in a very easy way. There is no clear way to submit or resolve this request through the app. I was unable to get help through chat, phone support, or escalation attempts.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Deceptive Advertising and Application Practices by Capital One Date : XX/XX/year> To Whom It XXXX Concern, I am filing this formal complaint against Capital One regarding what I believe to be deceptive and misleading practices during their credit application process. My experience suggests that Capital One fails to provide clear and conspicuous disclosures, leading to consumer harm in the form of unnecessary hard credit inquiries and misleading " pre-approval '' or " pre-qualification '' terms. Description of Deceptive Practices : I am requesting that the CFPB investigate the following issues encountered during my interaction with Capital One : Misleading Pre-Qualification Claims : Capital One marketed a " pre-qualified '' offer to me, suggesting a high likelihood of approval without impacting my credit score. However, upon following their specific prompts, the process transitioned into a full application with undisclosed requirements. Lack of Transparency in Terms : The application process did not clearly state [ e.g., that XXXX separate credit bureaus would be pulled/ that specific fees were mandatory/ that the advertised XXXX was bait-and-switch ]. Failure to Disclose XXXX XXXX : The application was marketed for consumers with 'Excellent credit, yet was denied for reasons inconsistent with their own marketing team. My XXXX XXXX is XXXX. Impact on XXXX : As a result of these deceptive practices, I have suffered : I was not awarded a signup bonus and was not given a specific reason as to why. Hard Inquiries : Multiple hard credit pulls ( often across all three major bureaus ) without the promised benefit or transparency. XXXX XXXX Damage : A decrease in my credit rating due to these inquiries. Wasted Time and Resources : Engaging in a process under false pretenses based on Capital Ones marketing. Desired Resolution : I am seeking the following actions : A formal explanation from Capital One regarding the discrepancy between their marketing and their actual application process. The removal of the hard credit inquiries from my credit reports ( XXXX XXXX XXXX XXXX ) associated with this deceptive event. An audit of Capital Ones " pre-approval '' funnel to ensure compliance with the Consumer Financial Protection Acts prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Supporting Information : Date of Incident : XX/XX/year> Thank you for your time and for protecting consumers from predatory and deceptive banking practices. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting a complaint against Cash App regarding the suspension of my account and repeated denial of my appeals without clear explanation. A few months ago, I was the victim of a scam involving an individual on XXXX who convinced me to send payments, including XXXX. Cash App flagged and declined some of these transactions, which I now understand was due to suspected fraud. I did not knowingly participate in any fraudulent or gambling activity. Despite this, my account was later suspended for what Cash App described as " suspicious gambling activity. '' I do not gamble and have never used my account for gambling purposes. I have submitted multiple appeals through Cash App, all of which were denied without a detailed explanation. I have also received emails stating that my case would be reviewed further, but I have not received any follow-up or resolution. Additionally, I have an outstanding loan balance with Cash App that I intended to repay. However, due to my account being suspended, I am unable to access my account to manage repayment. I am requesting that Cash App conduct a proper review of my account, provide a clear explanation for the suspension, and either reinstate my account or provide a valid justification for it's closure. I would also like the ability to resolve any outstanding balance. Thank you for your assistance in this matter. Between XXXX and XX/XX/year>, I lost approximately {$9600.00} in total through Cash App, including both Cash App payments and XXXX purchases/sent funds, as a result of a scam involving three different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am filing a complaint about an ATM cash deposit error with M & T Bank. On XX/XX/year>, sometime in the afternoon, I made a cash deposit at the M & T Bank ATM located at XXXX XXXX XXXX, XXXX, Maryland. During the transaction, the ATM returned part of my cash and retained the rest. Immediately after returning part of my cash, the ATM went out of service and I was not able to continue the transaction or try again. I was not credited for all of the money the machine kept. After the ATM returned part of my cash, I took the cash it gave back and deposited that portion inside the bank. I reported the issue to the bank and a dispute was opened. The bank issued a provisional credit of {$590.00} based on my estimate of the missing amount, but later denied the dispute and reversed that credit. After the denial, I contacted the bank again and was told that no extra funds were found in the ATM, but that they would see whether the ATM could be recounted or reviewed again. I do not know the exact amount deposited, but it was a large cash deposit of around {$1000.00}, and I know I did not receive all of my money back. I am requesting a proper investigation of this ATM malfunction, including review of the transaction logs, ATM reconciliation records, and any retained or rejected cash associated with that transaction. I am seeking credit for the missing deposited funds and a clear explanation of how the bank investigated this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MT

Complaint narrative:
Payoff check was sent XXXX signed for on XXXX. As of today XXXX they have Not post it to the account. Are lenders allowed to hold a payout to collect additional interest prior to posting it? The lender who mailed the check and myself can not get them to even address this illegal activity. After 3 calls, all of which their representatives Refused to get a supervisor, I have given up on them resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Approximately 1.5 years ago, I closed my Discover card due to a breach. I obtained a new Discover card account, whereas in XX/XX/year> numerous fraudulent charges appeared on my account. When I contact Discover, these charges were charges made on the previously closed account that Discover card transferred to my new account. The fraudulent charges continued for over a month, Discover card claiming there was no way for them to stop the charges. I spoke with approximately 13 different people at the Discover Fraud alert unit, all telling me that it would taken care of, I wouldn't be financially responsible, etc etc. None of it was true. I filed a complaint with the XXXX, Discovers firs response was that my complaint was filed by an unauthorize user of the account ; the 2nd response was that I never filed a fraudulent complaint which is why I was not reimbursed. Both are lies. I filed my first complaint XX/XX/year>. I've overpaid Discover {$1300.00}, this amount came directly from them, however now they claim the above, that I never filed a complaint and the money overpaid has mysteriously disappeared and they claim is not due me. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation