vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: Block, Inc.
State: TX

Complaint narrative:
I attempted to purchase a flight with XXXX using my Cash app card. The XXXX website timed out and said there was an error. I checked my cash app account and a charge from XXXX XXXX was pending. Since i saw that i immediatley used a different card to make my purchase i did not try to reattempt with the same card. Pending transactions typically take a few days to fall off or complete so i waited 2 days and the transaction never fell off it completed. I called XXXX and XXXX and even have in writing from delta they do not have that transaction I was told by XXXX to contact the banking institution. I contacted the banking institution Cash App they told me to dispute the transaction. I have disputed the transaction 3 times now. Once I provided that I purchased from a whole other account. The last representative told me they needed to reach out to XXXX and see if they have any transactions. Again, my dispute was denied. XXXX has no transactions attatched to the cash app card but Cash app keeps diputing my appeals. I have no flight attached to that card. Transaction date : XX/XX/year> XXXX checkout produced an error. XXXX has no reservation or ticket. The charge appears as XXXX in Cash App. Cash App denied the dispute three times without proving the merchant received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: FL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

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 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I contacted company on XX/XX/year> and notified them the debt was not mine. I have never done business with the company. I asked them to send me a copy of agreements or contracts. The address on file I have never lived at nor do I have any knowledge of anyone who lives there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I was informed that my vehicle financing had been approved and I took possession of the vehicle. Days later, I was notified that the financing had been canceled and was told either to return the vehicle or add additional parties to the loan. I am requesting a complete review of this transaction, including the basis for the initial approval, the subsequent cancellation, and any information reported to the credit bureaus. I also request verification that all credit inquiries associated with this transaction were necessary, accurate, and properly authorized. If any inaccurate information was reported, I request that it be corrected with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My Debit card was stolen in XXXX of 2025. Partial funds were reimbursed but not the ones from XXXX XXXX which was fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I am reporting inaccurate and misleading credit reporting by BMW Financial Services. I made all XXXX scheduled payments on my auto loan on time over a XXXX term. On the maturity date ( XX/XX/year> ), I submitted my final payment in good faith using the standard monthly payment amount through XXXX website, believing the loan was fully paid. I later discovered a residual balance of approximately {$190.00} due to a higher final payoff amount reflected in a statement dated XX/XX/year>. However, I was not properly notified of this difference. I was enrolled in paperless billing but did not receive any email notifications regarding the increased final payment or any remaining balance. I also did not receive any mailed billing statements or delinquency notices. The only possible outreach was a missed call from a toll-free number with no identifying information. I only became aware of the remaining balance after receiving a notification through a third-party credit monitoring service, at which point the account was already reported as approximately 60 days past due. Upon discovering this, I immediately paid the remaining balance in full. The payment system had previously accepted my final payment on XX/XX/year> ( posted on my checking account XX/XX/year> ) without any warning that it was insufficient. As a result, I had no reasonable opportunity to identify or resolve the balance before it was reported as delinquent. This situation was not a missed payment in the traditional sense, but rather a payoff discrepancy combined with a failure of notification. I submitted a written dispute to BMW Financial Services on XX/XX/year> and have not received a response. I also disputed this issue through XXXX, XXXX, and XXXX. While a minor update was made, the late payment remains on my credit reports. This has caused a significant drop in my credit score and is affecting my ability to obtain a mortgage. I am requesting correction of this inaccurate reporting and removal of the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, an acquaintance abused non-spending authorized user status to steal {$7200.00} via cash advance out-of-state, that he had no physical card or PIN, and that Navy Federal closed the case with a form letter without reviewing security footage or cooperating with the police.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I'm a United States XXXX Veteran ( XXXX ) filing a complaint against Navy Federal Credit Union regarding deceptive and predatory collection practices. I was given a settlement deadline of XX/XX/XXXX to resolve my account. When I called back yesterday, XX/XX/XXXX, I was informed that my account had already been moved to charge-off despite the XX/XX/XXXX deadline I was given. A representative claimed she had called me back when our phone call dropped, but I received no such call ; this claim was false. When I contacted Navy Federal 's settlement department, I was given specific terms and requirements for settlement eligibility, received a quote, and was in the process of doing so. After meeting those requirements, including making a payment of {$160.00}, the settlement department changed the terms and added new requirements, including an additional {$160.00} payment and {$1900.00} to pay off a late balance before being considered eligible for settlement. These terms were never disclosed to me initially and continue to change each time I meet a requirement. I was repeatedly transferred between departments in a circular loop with no resolution. This is a classic predatory tactic known as 'moving the goalposts ' where a creditor deliberately changes requirements each time a consumer meets them, designed to wear down the consumer, extract additional payments, and prevent them from ever reaching actual settlement eligibility. This practice is deceptive, manipulative, and a potential violation of the Fair Debt Collection Practices Act ( FDCPA ). The Consumer Financial Protection Bureau 's Office of Servicemember Affairs specifically serves veterans like myself. As a veteran on a fixed income and active student I am particularly vulnerable to these predatory practices. Navy Federal markets itself as an institution dedicated to serving the military community and veterans, making their deceptive practices especially egregious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I am filing a formal dispute regarding an automated billing system failure and subsequent administrative negligence by my federal student loan servicer, Aidvantage. Timeline of Events : XXXX. XX/XX/year> : I paid the active, scheduled monthly billing requirement of {$13.00}. XXXX. XX/XX/year> : The servicer issued an official statement confirming receipt of the {$13.00} payment. Crucially, this statement explicitly advanced my " Current Amount Due Date '' to XX/XX/year>. This mathematically and legally satisfied the XXXX billing cycle, closing it out as current. XXXX. XX/XX/year> : The servicer issued an approval letter for my new XXXX XXXX ( XXXX ) XXXX, setting the new rate at {$220.00} per month with a plan begin date of XX/XX/year>. Page XXXX of this approval letter explicitly instructed : " If you don't receive your billing statement before your next due date, please continue making your payments as previously scheduled. '' XXXX. XX/XX/year> : The servicer 's automated billing system failed to execute these instructions. Instead of applying the new rate to my next open billing cycle ( XX/XX/XXXX ), the system retroactively overlaid the {$220.00} rate onto the already-satisfied XXXX cycle. The servicer generated a statement on XX/XX/XXXX demanding a " Total Payment Due '' of {$440.00} ( {$220.00} past due + {$220.00} current ) and immediately triggered a delinquency notice on that exact same day. This represents a severe operational violation : Aidvantage generated a monthly billing statement on XX/XX/XXXX specifying a retroactive due date of XX/XX/XXXX. By failing to generate the statement prior to the due date, the system manufactured an instantaneous, unavoidable " delinquency '' on the exact day the bill was physically created. XXXX. XX/XX/year> : A customer service agent via live chat acknowledged the system sequencing error and submitted an internal ticket. On XX/XX/year>, a loan servicing XXXX improperly closed and denied the dispute without actually reviewing the payment history ledger. XXXX. XX/XX/year> : A Tier XXXX support XXXX verified the billing conflict over a live phone call, explicitly confirmed the automated system erred, and escalated a high-priority ticket to a back-office processing team with a strict XXXX resolution window. XXXX. XX/XX/year> ( Today ) : The XXXX administrative timeline has expired with XXXX resolution. The account has not been corrected, no new correspondence has been issued, and the dashboard still incorrectly reports a " Past Due '' balance of {$220.00} and an inaccurate total due of {$440.00}. The servicer is attempting to retroactively change the price of a billing cycle that was fully satisfied under their own explicit terms and instructions. I have exhausted all internal administrative avenues of resolution over a multi-week period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime online banking sent me an email about a sign on bonus of XXXX in XX/XX/year>. I was told make XXXX consecutive deposits to be eligible. I changed my payroll to do this and they are saying I am not eligible. I provided all the documents to them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my bank account totaling over {$500.00}. My card information was stolen, and I reported the fraud immediately after discovering the transactions. I filed a police report and provided supporting evidence to my bank showing that I did not authorize these charges. Despite this, my fraud claim has now been denied twice without a sufficient explanation. These funds were intended for my bills and essential living expenses, and the denial has caused significant financial hardship. I am requesting a full review of my case under Regulation E for unauthorized electronic transactions. I would like the bank to provide : * A detailed explanation for the denial * Documentation used during the investigation * Reconsideration of reimbursement for the fraudulent transactions I have acted promptly and in good faith throughout this process and am requesting assistance resolving this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Tesla, Inc.
State: FL

Complaint narrative:
Follow-up to Complaint No. XXXX I am submitting this follow-up to clarify the central issue : the delinquency on my Tesla lease resulted from Tesla XXXX failure to provide the documents required to register the vehicle, not from any failure on my part. I have documentation that establishes this. Tesla delivered the vehicle in Florida. I intended to register it in Alabama. On XX/XX/year>, Tesla XXXX Senior Delivery Advisor, XXXX XXXX, emailed me that Tesla would send documents that needed to be signed and returned " to complete the registration of your vehicle. '' Registration depended on paperwork that only XXXX could provide. I tried repeatedly to move this forward. On XX/XX/year>, I asked XXXX XXXX for a phone number to reach him. That same day, another Tesla advisor, XXXX XXXX, confirmed she had forwarded my message to XXXX so he would contact me that week. He did not resolve the issue. On XX/XX/year>, I emailed Tesla again and reported that I had gone to the XXXX XXXX times to register the vehicle and had been turned away each time because paperwork I never received was missing. I followed up again later that day. XXXX did not deliver the missing documents in a timely manner, and I could not legally register or drive the vehicle. Tesla XXXX response to my complaint states that I failed to register the vehicle out of state. The record contradicts that claim. I attempted to register in person XXXX separate times. The only thing missing was the documentation Tesla committed in writing to provide and then failed to deliver. Tesla is blaming me for not completing a step that Tesla itself made impossible. As a result, derogatory late and past-due marks tied to this disputed period remain on my credit reports through XX/XX/year>, on an obligation that was in active dispute because of Tesla XXXX XXXX failure.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Klarna AB
State: FL

Complaint narrative:
I haven't used Klarna in years, I thought it was a nice way to make a big purchase not seem so painful, and I liked the idea of being able to spread out the payments. However, I went to go use it the other day for this first time in 2 years and I was denied because it told me I owed money on another account that went unpaid and was sent to collections. When I called to get more information because I knew instantly it was a mistake. They assured me that they would open up fraud cases for it. They asked me if I knew certain email address, or physical addresses, a cell phone number. None of them belonged to me. I thought it was pretty straight forward. I just received the conclusion of those fraud cases this morning via email, and said that the information was linked to me still. I hopped right on to Klarna to speak with someone and they said the same thing. I asked that they give me the information that they have that is somehow linked to me. The ONLY thing that is the same is my name. This individual lives in Kentucky, never even been to Kentucky. The email address and phone number are not even close to mine. Now they have escalated it, but I am not hopeful that it will be resolved. I warn anyone looking to use them... not to! They do not do things on the straight and narrow and I have read articles that they have tried to keep money from people when returns have been made. Not worth your stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
XX/XX/year> Afternoon The loan officer verbally informed me that I was denied for the XXXX loan program. I immediately requested the required written denial ( Adverse Action Notice ). XX/XX/year> Evening I followed up again requesting the written denial. The lender did not provide it and stopped responding. XXXX XXXX XXXX I continued requesting the Adverse Action Notice. Instead of issuing the denial, the lender sent unrelated conditions, even though they had already verbally denied the loan. They continued to avoid providing the written denial. XX/XX/year> I contacted the loan officer and processor again asking for the denial letter. No response was provided. XX/XX/year> I emailed the lenders corporate/feedback or compliance contact requesting the Adverse Action Notice. I still did not receive the required written denial. XX/XX/year> Present The lender continues to refuse to provide the Adverse Action Notice, despite multiple requests. This refusal is preventing me from submitting the required documentation to the title company to release my earnest money under the financing contingency. The lenders actions are causing financial harm and delaying the realestate transaction.

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 2026-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX executed a Loan XXXX Agreement effective XX/XX/year> for the mortgage on XXXX XXXX XXXX The agreement identifies XXXX XXXX as the borrower, lists an assumed unpaid principal balance of {$50000.00}, interest rate of 3.125 %, and monthly principal/interest payment of {$1700.00}. XXXX XXXX signed the agreement through XXXX XXXX XXXX XXXX President, with Texas notary XXXX dated XX/XX/year>. I signed/notarized it on XX/XX/year>. Despite this executed assumption, XXXX XXXX did not properly explain or document how the assumption was entered into its system of record, how I was coded as borrower, or whether the complete assumption file was transferred to Shellpoint/NewRez. This failure caused confusion and downstream servicing harm involving borrower status, payment handling, payoff/refinance issues, loss mitigation/default handling, and forced high-cost financing pressure. I am asking CFPB to require XXXX XXXX to directly address the attached executed assumption agreement and explain how it was boarded, serviced, and transferred.

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 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I made a purchase for {$150.00} on or about XXXX XXXX. I returned the items from that purchase, expecting a refund. Part of the refund was initiated on XX/XX/year> for {$130.00}, but my account was not credited. I should have anegative balance dues of {$130.00}. Additionally, XXXX will be refunding the rest of the purchase amount within XXXX business days, and I expect to have further issues with PayPal Credit regarding the credits for the refunds mentioned above. See attached memo showing the successful refund transaction of {$130.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a credit balance of {$4800.00} and I called on XX/XX/year> and XX/XX/year> to have them send me my money. They said it could take 14 business days, which equates to 22 calendar days. Plus another 5 days that they actually had this amount as a credit balance. So, for nearly a month they had my money. I want it immediately with back interest. I send my payment directly from my bank account, why cant they simply credit my bank account. Im retired and need this money and I think this practice stinks of ABUSE and its UNFAIR!

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