vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loan servicer, Nelnet, failed to directly notify me of the XX/XX/XXXX deadline requiring XXXX XXXX loan consolidation to preserve access to income driven repayment ( IDR ) plans. This deadline, created by the XXXX XXXX XXXX XXXX XXXX, permanently eliminates XXXX access for borrowers who do not consolidate by that date. Nelnets own borrower portal actively displayed that my payments were not due until XXXX, directly contradicting the existence of this critical deadline. No email, letter, or direct communication of any kind was sent to me regarding this deadline. When I called Nelnet on XX/XX/XXXX, a representative confirmed that their notification consisted only of a website posting. I immediately searched both the Nelnet website and StudentAid.gov that same morning and could not locate any clear communication regarding this deadline as it applies to Parent PLUS borrowers. I documented both websites with screenshots taken that day. Any posting that may exist was not reasonably findable by an affected borrower, particularly one whose portal was simultaneously displaying that payments were not due until XXXX. I began researching my loan situation after receiving multiple notifications regarding the XXXX XXXX court ruling. It was only through this independent research on XX/XX/XXXX, through third party financial news sources that I discovered the separate XX/XX/XXXX consolidation deadline affecting Parent PLUS borrowers, a deadline about which I had received no direct communication from Nelnet whatsoever. I submitted my consolidation application that same morning as soon as I became aware of the deadline. However, because processing typically takes XXXX weeks, I may miss the XX/XX/XXXX disbursement deadline through no fault of my own. The Parent PLUS loans at issue totals {$170000.00}. Without IDR access, I face unaffordable fixed standard repayment payments. This failure to notify borrowers of a permanent, life-altering deadline constitutes a serious consumer protection failure affecting an estimated XXXX XXXX Parent PLUS borrowers nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
The credit card company is charging me a cash advance fee that they can not find. They say I did a small cash advance XXXX years ago but can not find why the amount is so high and why I get charged interest for it since their records only go back XXXX years but wont remove it and it can not help me since they can not see past XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, I have tried to contact Shellpoint Mortgage multiple times to find out which documents they need to advance the loss mitigation request I made. Despite promises from them they have not send me an email yet and so I do not know which documents they need from me. It is amazing how this company intentionally frustrates and creates unsurmountable obstacles for its customers. I need help!!! 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 2026-06-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am filing a formal complaint against U.S. Bank ReliaCard regarding a severe system duplicate billing glitch and intentional customer mistreatment. On XXXX, my account was completely wiped out to exactly XXXX due to XXXX identical, consecutive duplicate charges that processed back-to-back within the same timeframe. I contacted customer support immediately at about XXXX XXXX after that phone call about XXXX I realized that the pending charges that I might have been refunded from or dropped by the merchant were processed and put through by the staff that I had just spoken to after I told her I was going to hang up and speak to another more knowledgeable agent totally locking me out of whatever money I could have been giving back Staff explicitly instructed me that if I faxed in the required dispute paperwork, my provisional credit would be released. U.S. Bank confirmed they received my document. However, once they received it, they reneged on their promise. Furthermore, a supervisor intentionally left specific notes on my account file explicitly instructing agents to deny me an expedited provisional credit and force me to wait out the maximum XXXX timeline. The bank took this action with full knowledae that a technical system error left my balance at XXXX, causing severe and immediate financial hardship. The XXXX window under Regulation E is a maximum legal ceiling for an investigation, not a mandatory penalty period for a consumer facing a banking system glitch. U.S. Bank has the full technical capability to reverse these duplicate processing errors immediately. I am demanding that U.S. Bank Corporate Risk Management audit my account notes, review the employee logs from XXXX onward, and immediately reverse these XXXX duplicate system charges

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 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XX/XX/year> I got a phone call from XXXX XXXX offering a package for XXXX and other XXXX XXXX services. I bought the package and then found out I was XXXX and didnt use the service. After I had my child and I was able to use a service, I found out XXXX XXXX closed nationally Even with this being said, Im still paying Westlake portfolio ( XXXX XXXX ) payments with interest for service I never received. I then called them and they told me to call ideal image and give me a phone number which was disconnect. I called back and they said theres nothing I can do. Essentially with a XXXX child and no job since last XXXX I am paying a XXXX party company a total of XXXX to receive nothing. They refused to help me out with this or give me any kind of refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I have the time line attached via PDF. Total amount that was taken from me was {$1000.00}. It was between 10 different transactions through XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account with Wells Fargo. I use their XXXX service to send and receive money. I own a hotel in XXXX XXXX. A guest in my hotel ( I have documentation of their guest 's stay ) paid of XXXX nights parking in my reserved parking lot for {$40.00} per night. The guest paid the total of {$80.00} using XXXX. Subsequent to the guests departure, the guest filed a claim of " fraud '' with her bank. The results were that XXXX closed my account and will not re-instate despite my providing clear written evidence of the legitimacy of the transaction and despite my refunding the {$80.00} to the guest. There was no fraud committed by me or anyone regarding the payment that she made to pay for parking. The guest is in fact the one who is committing a fraud on me by manipulating the XXXX policy to get a refund when none is warranted. Her claim on my committing fraud is in fact a fraud on the guest 's part

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 2026-06-01 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: CO

Complaint narrative:
My wife and XXXX XXXX daughter were scheduled to fly XX/XX/year> from XXXX XXXX to XXXX XXXX XXXX XXXX on XXXX XXXX ( XXXX XXXX XXXX flights QR XXXX and XXXX XXXX ). Tickets were purchased through XXXX for {$2500.00}. Due to active armed conflict, the XXXX XXXX XXXX XXXX closed XXXX airspace entirely on XX/XX/year>. XXXX XXXX cancelled both flights. This was a government-mandated closure due to war completely beyond our control. Starting XX/XX/XXXX, I contacted XXXX 5+ times requesting a refund because the airspace was already closed due to the conflict. XXXX refused every time. XXXX XXXX ' own website confirmed full refunds and their booking portal showed both flights CANCELLED with a Request a Refund button. Because no flights existed from XXXX, my wife could not travel alone with a XXXX XXXX. My parents had to join her. The family took an overnight train from XXXX to XXXX and purchased emergency XXXX XXXX tickets for 4 passengers at over {$2800.00} the only available routing home. I disputed the {$2500.00} with Capital One. XXXX responded " no cancellation per policy '' directly contradicted by XXXX 's own cancellation records and official press release. I submitted a complete 16-page evidence package on XX/XX/year> including XXXX 's manage booking portal, official press release, booking confirmation, and XXXX chat transcripts. Capital One closed the case XX/XX/XXXX in 4 days with boilerplate language " lacks all previously requested information '' with no explanation of what was missing. I called XX/XX/XXXX, was told to resubmit, and received another identical denial the same day. Three denials, zero specific feedback, complete evidence ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: Chime Financial Inc
State: TX

Complaint narrative:
My XXXX was hacked and my chime card was used at a XXXX for {$500.00}. I filed a police report and I also contacted Chime. I am asking that this claim be governed for due process, because I have had issues in the past dealing with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
XXXX'On XXXX XXXX XXXX my attorney mailed full payoff checks for both loans funded by a mortgage refinance disbursement. The checks were returned on XXXX XXXX XXXX due to an address error by Upgrade. On XXXX XXXX XXXX, they finally gave me the correct address. I overnighted the original checks via XXXX XXXX XXXX XXXX XXXX, which were delivered on XXXX XXXX XXXX XXXX XXXX XXXXDespite having the checks in hand since XXXX XXXX Upgrade has now applied them incorrectly. One loan is now showing as current, while the other remains Past Due with a large balance (see attached screenshot taken today). This is negligence each check clearly had the corresponding loan number written on it, yet they still applied them to the wrong accountsXXXXAdditionally, according to Upgrades own State Licenses page (which I researched), Upgrade Inc. is not licensed to lend or service loans in XXXX XXXX they only hold a XXXX XXXX XXXX license. I confirmed this with you and it is accurate.XXXX sent a formal cease-and-desist letter on XXXX XXXX XXXX (which they acknowledged) and multiple demands with deadlines, all ignored.XXXXRequested reliefXXXXMark both loans paid in full effective XXXX XXXX XXXXReverse all interest and fees accrued after XXXX XXXX XXXXWritten confirmation and correction of any negative credit reportingXXXXCease all collection activitXXXX have extensive documentation including XXXX delivery proof (XXXX XXXX XXXX XXXX, screenshots of the incorrect balances, emails, and the cease-and-desist acknowledgment.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MO

Complaint narrative:
Subject/Description of Issue : Request to remove unauthorized/unwanted XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} line of credit from Cash App profile. What Happened : I am writing to file a formal complaint against Cash App ( Block, Inc. ) regarding an unwanted {$150.00} " XXXX XXXX XXXX XXXX XXXX '' line of credit that has been permanently attached to my account interface. My current balance is exactly {$0.00}, and I do not want this line of credit active on my profile. I have repeatedly contacted Cash App / XXXX customer support to request that this feature be XXXX and removed. However, the frontline representatives have been completely unhelpfulstating that they " do not know how to remove it, '' giving me conflicting information, and repeatedly hanging up on me when I ask to revoke the credit agreement. Because this line of credit is backed by XXXX XXXX XXXX and managed through Cash App, Cash App is required to allow consumers to opt-out of these features. I can not manually disable or unlink it from my end of the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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:
On XX/XX/year>, I filed a fraud dispute with Cash App after discovering that I had been scammed through transactions conducted on their platform. I immediately reported the activity and provided supporting information explaining that I was the victim of fraud and deception. Since the dispute was opened, Cash App has repeatedly denied my claim using the same scripted response stating that the transactions were sent from my device and therefore they can not issue a refund. Their responses have completely ignored the actual reason for the dispute, which is that the transactions were induced through fraud and scam activity. At no point has Cash App provided evidence that a meaningful investigation was conducted into the circumstances surrounding the scam. Instead, they appear to rely solely on the fact that the transactions originated from my device, while disregarding the fraudulent conduct that caused the transfers to occur. A transaction being sent from a customers device does not automatically mean the transaction was legitimate, authorized in a legally meaningful way, or free from deception. I have made multiple attempts to resolve this matter directly with Cash App, but I continue receiving repetitive template responses that fail to address the evidence, timeline, or scam details I reported. This has caused significant financial hardship and concern regarding Cash Apps dispute handling practices and consumer protections. I believe Cash App failed to properly investigate my dispute and failed to adequately respond to reports of fraud occurring on their platform. I am requesting that Cash App : * Conduct a complete and fair investigation into the reported scam activity ; * Review all supporting evidence and communications already submitted ; * Provide a detailed explanation of the investigative findings instead of generic scripted denials ; * Reconsider and reverse the disputed transactions if fraud is confirmed. I am also requesting review of whether Cash App complied with its obligations regarding fraud investigations and consumer dispute handling practices. - Cash App has denied to do so. Even stopped responding via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am filing a formal complaint against Midland Credit Management for severe data corruption and ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, non-compliant data furnishing. Despite multiple disputes submitted through the consumer reporting agencies over the past year, Midland Credit Management has repeatedly verified a credit tradeline that contains impossible timelines and broken system database errors that actively damage my credit profile. I sent a direct letter to them dated for XXXX and its well over 30 days they have not responded. Midland Credit Management is in direct violation of the FCRA. I submitted a formal direct dispute regarding structural data errors. They completely ignored the statutory 30-day investigation window while continuing to publish a corrupted database error string on my consumer file. Because they refuse to investigate or correct their non-compliant data streams, I demand immediate deletion. A physical review of how this account is being published on my consumer file reveals the following blatant non-compliance issues : System Error Status Code : The overall account status is currently being published to the public as a raw database error code : " NotsatisfyingF20_TRADE ''. Under the FCRA, a data furnisher is legally prohibited from publishing broken backend system strings instead of an accurate, verified, and clear legal status. Structural Account Mismatches : Midland Credit Management is transmitting conflicting data structures for a single debt. It is being categorized as an " Open Account '' on one credit bureau report and an " INSTALLMENT '' account on another. Impossible History Timeline : This collection account is listed as being opened on XX/XX/XXXX. However, the 24-month payment history grid on Bureau 2 reports historical " Charge-Off '' ( CO ) markers leading into XXXX and early XXXXmonths BEFORE Midland Credit Management even opened the file or acquired the debt. It is a logical impossibility to have a payment history on a collection account before the collection agency exists on the file. Furthermore, the " Date Last Active '' contains a glaring one-year discrepancy across bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). A data furnisher can not legally verify or publish a tradeline that is completely riddled with database glitches, conflicting account types, and chronologically impossible timelines. Because Midland Credit Management is transmitting corrupted information that completely fails to meet XXXX XXXX data integrity standards, I request that this entire inaccurate account be completely deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/year> I received an email stating a new card has been successfully requested and should arrive in XXXX days. This is for an Amazon card with Synchrony bank. Days before, I received a text- which I ignored - asking me to verify my cell phone number for Synchrony bank for issuing an Amazon XXXX credit card. I did not request a new credit card, and I do not want a new credit card. I do not have the full account number, but I do have the last XXXX digits of the card number. I do not know what address was used when setting up this credit card. I do not know what mailing address or billing address was used when setting up this card.

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 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
I noticed that my credit score dropped over XXXX points. XXXX sent me to collections for a past due balance on my father 's account. We have the same name and I lived at his address over 10 years ago. This account has nothing to do with me whatsoeve. XXXX has acknowledged the issue, i have spent over 6 hours with their billing team. They are unable to recall the debt and i have no other recourse to resolve this issue. This issue has caused my wife and i undue XXXX and stress, and i am worried that if not resolved will have serious financial implications. XXXX has promised to email me a formal letter stating that the issue is being handled, but have not produced the documents. Everytime they 'transfer me to a supervisor ' i end up back at the main menu. Please help. The past due balance on my father 's account was {$120.00}. I noticed this on XX/XX/XXXX. I called in twice on XX/XX/XXXX, twice on XX/XX/XXXX, and once on XX/XX/XXXX. Today XXXX, i am still trying to get this resolved. I have also spoken with their chat feature and opened 5 tickets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 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: TX

Complaint narrative:
Purchased XXXX XXXX for new computer, used PayPal for payment. Shortly after paying, PayPal cancelled the invoice, and limited the seller 's account. The charge still posted to my credit card, and PayPal refuses to refund, saying if I want anything done about it, I need to execute a chargeback with my credit card company. The sale was cancelled, no goods shipped or received. PayPal has the capability to issue a refund but refuses to do so, forcing customers to work for free to resolve their issue.

Company response to consumer: Closed with explanation