vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
I noticed bad things in my cask app account and they wouldn't fix it but blamed me. First they said, my investment account violated terms of service, then in chat.They said I didn't have an investment account Intinally I went to add my phone number and somebody else already took it. Cash app gave me their identifying information. XXXX XXXX link was the account name. I can't provide you any photos.I would have to do it by email. They allowed multiple car payments to be redirected to the perpetrators. You have to understand that I really am a victim of synthetic identity theft. So when I woke up and they said we need a facial recognition. I gave it. XXXX wa due to be paid the next day. Cash app took over a XXXX XXXX dollar deposit and won't get it back I spoke to the veterans administration.They said that they sent XXXX XXXX with Cash App.The deposit on the twentieth of XXXX. Cash App sided the all my deposits will be returned.But they said that there is no deposit. So I don't know what I'm supposed to believe.The veterans administration says that they sent on the XXXX.And as of the twenty seventh cash app says, we don't have any money, so they stole it. There was nothing that I did that warranted that kind of treatment. So they close the account first for investment.When I had no investment and he admitted that then when I asked them about transactions that were made when I was in the XXXX XXXX, they wouldn't help me.I have photos screenshot where they put me through to an autobot violating the rule that this government organization said. When I told them that I needed medical treatment, the veterans foreign medical program reimburses me they said " the account is closed ; then said we will appeal it. '' If they sent the funds back and they said 3 to 5 business days, the veterans administration should have already received it back when I asked for a tracing number they refused. I asked them to stop harassing me in email.They said the account is closed.There 's no funds.The VA is not getting anything back.So what am I supposed to do? I need medical treatment, food and place to stay. They closed the account.The day I was supposed to get the direct deposit. I asked him to please leave me alone.They made me go hungry.I started hyperventilating, I had to walk 14 Miles round trip to the U.S embassy where the Embassy said go home. I Don't wan na go home.I 'm not welcome there and I fear local law enforcement because of synthetic identity theft group. I really was beaten by XXXX police. Cash App. They Really enabled fraud from car payment to car insurance student loan.A debt collector i'm missing thousands of dollars. And now they're responses.Oh you don't have any compensation. How can they say that? Warn veterans that at anytime they can be left like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I am a medically insolvent homeowner experiencing a documented, involuntary medical crisis with {$0.00} disposable income. I have never missed a payment. To avoid default, I took the following actions, and the company responded with the following violations : 1. ACTION TAKEN ( XXXX XXXX XXXX : I proactively mailed a Qualified Written Request ( QWR ) and Imminent Default Certification to Midland Mortgage 's designated legal address, proposing a 6-month Medical Bridge Forbearance of {$280.00} per month. 2. COMPANY ACTION ( Forced Default Misinformation ) : Prior to my written medical restriction, Midland representatives erroneously stated over the phone that I must miss three months of payments and be in active default before they could offer assistance. Forcing a consumer to intentionally accumulate 90 days of late fees as a " barrier to entry '' for help is an Abusive Practice under Dodd-Frank UDAAP standards. 3. ACTIONS TAKEN ( XXXX, XXXX, and XX/XX/year> ) : I submitted proactive {$280.00} Good Faith partial payments. Midland successfully accepted, processed, and deposited these funds, holding them in " Unapplied Funds. '' This establishes a positive course of dealing and my inability, not unwillingness, to pay. 4. COMPANY ACTION ( XX/XX/year> - RESPA Violation ) : Midland opened Escalation Inquiry Case Number XXXX to review my QWR. However, instead of conducting a reasonable human-led investigation into my medical insolvency, they simply re-emailed their original automated " Trial Modification '' demanding {$2500.00} per month. XXXX. COMPANY ACTION ( The Attestation Trap ) : To accept their automated offer, Midland requires me to sign a " Borrower Affordability Attestation '' legally swearing I can afford {$2500.00}. Because my income is {$0.00}, signing this would constitute a false affidavit. Midland is effectively taking unreasonable advantage of my medical crisis by forcing me to either commit fraud on a federal document or face foreclosure.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been having trouble with Capital One since I had them in this last XX/XX/XXXX months I put {$1000.00} security deposit down I got the card couldn't use it barely captions and restricted account verified documents identity fraud stuff almost cost me get evicted so I closed my account a week ago my account was restricted couldn't use my card for nothing couldn't get it unlocked sent Bank documentation ID documentation several times when requested was told lies from the supervisor that they will process my refund and send me a check in the mail I called today they haven't even processed the closing and the refund my security deposit had to submit my IDXX/XX/XXXXagain today for a closed account just the process or review the process of refunding me my money supervisor said it would takeXX/XX/XXXX days and the check still not going to be sent out this is wrong this is my money with a closed account they should just refund my security deposit to the address they have on file so please help me with this anyway you can

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
On XX/XX/year>, I received a call from XXXX XXXX Before the representative verified my identity or confirmed they were speaking to the correct person, the agent read Social Security XXXX XXXX loud over the phone. Reading a consumer 's Social Security Number ( SSN ) as a " verification '' method is an unsafe and illegitimate practice. By disclosing my full PII ( Personally Identifiable Information ) before I had confirmed who I was, the agent : 1. Risked a Third-Party Disclosure : If I were not the intended recipient or if someone else were in the room, my most sensitive private information would have been compromised. 2. Failed Proper Identification Protocols : Standard industry practice and consumer protection guidelines require the consumer to provide the last four digits of their SSN to verify their identity ; the collector should never read the number to the caller. This practice is an invasion of my privacy and creates a significant security risk. I am requesting that this company review their call recordings for this interaction and update their employee training and verification protocols to ensure that full Social Security Numbers are never read aloud to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I was the victim of a sophisticated Imposter Scam ( Customer Support Fraud ). Scammers impersonating XXXX XXXX manipulated me into transferring {$1000.00} USD from my Bank of America debit card ( ending in XXXX ) to an international money transfer app named XXXX. The scammers instructed me to send the funds to a fraudulent recipient in XXXX. My Actions : Within XXXX hours of realizing the fraud, I : Filed an official FBI XXXX Report ( Complaint # XXXX ). ContactedXX/XX/XXXX to freeze the transfer ( XXXX XXXX # XXXX ). Contacted Bank of America to place a Stop Payment and initiate a fraud claim. The Issue with Bank of America : Despite my immediate notification and providing federal law enforcement documentation, Bank of America has refused to treat this as a Regulation XXXX fraud case, claiming I " authorized '' the transaction to XXXX. They have denied my provisional credit and stated I must wait up toXX/XX/XXXX days for a commercial dispute process. I made the transaction under fraudulent inducement. Under the Consumer Financial Protection Act, financial institutions have a duty to protect consumers from known, high-risk fraudulent international transfers. XXXX failed to execute basic XXXX checks allowing a XXXX customer XXXX instantly send flight-related fees to a personal account in XXXX. Bank of America is failing to protect my funds by categorizing a documented Federal crime as a mere " merchant dispute. '' Desired Resolution : I demand that Bank of America immediately provide a permanent credit of {$1000.00} USD to my account, as I am a verified victim of wire fraud, and hold LemFi accountable for facilitating an international scam.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
This account accrued interest everyday which was not disclosed in contract. Company is in violation of predatory lending and failure to disclose ballon payments and failed to report payments to decrease loan amount. I applied for XXXX with a payback amount of 2000 and once 90 days passed Tower Loans contacted me that my account has increased interest due to me paying future payments for 6+ months which the future payments weren't recorded on the account also. I am filing this complaint for violations of consumer protection laws and the Fair Credit Reporting Act ( FCRA ) related to inaccurate credit reporting and failure to investigate disputed information. Experian is reporting multiple negative accounts, including charge-offs, collections, and late payments, that are inaccurate, incomplete, and/or unverifiable. I formally disputed these accounts ; however, Equifax failed to conduct a reasonable reinvestigation as required under federal law. The company continues to report misleading and inconsistent information. Additionally, these accounts contain clear Metro 2 compliance violations, including : Inaccurate account status codes Improper payment histories Missing or incorrect Date of First Delinquency Continued late payment reporting after charge-off Inconsistent account balances and histories These actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Louisiana Unfair Trade Practices and Consumer Protection Law ( La. R.S. 51:1401 et seq. ) Despite multiple disputes and requests for validation, the company has failed to provide documentation such as original contracts, payment histories, or proof of ownership.

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 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Barton Benson Jones PLLC
State: TX

Complaint narrative:
A XXXX was placed on my property by XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX Texas the XXXX is for XXXX. I paid on XXXX XX/XX/year> XXXX to eliminate this HOA assessment debt then the collection lawyer the collection sky rocketed up to " According to the records provided by your association, your current payoff balance is {$3700.00}. '' This is not operating in good faith to pay off the debt. This is well exceeds anything that I expected from these companies. As a XXXX percent XXXX veteran I know when a company is attempting to take advantage of my medical situation. Furthermore, the HOA company refuses to settle this via direct deposit into their account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CT

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX CT is a fraud and took all of the students money for financial aid.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Back on XX/XX/XXXX, an individual who i do not know hacked into my online banking account and bill pay and made herself out a check for XXXX and cashed it at a PNC branch in XXXX. ( I live in XXXX ). i alerted my bank as soon as i saw it, ( approx XX/XX/XXXX and informed them of the fraudulent transaction. they noted it and put an alert on my account. However, when i followed up with my local branch they claimed that they never received a fraud alert, so i did another one with a bank representative. they filed a claim but unfortunately it was denied. i filed a police report with my local police department ( XX/XX/XXXX ), filed a report with the federal trade commission and closed that particular account. i furnished all of the information that PNC had requested and refiled the claim twice more and it was still denied stating that i am responsible for the transaction. this is ridiculous as i have never even heard of this person. PNC sent me the denial letters ( basically form letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that stated that i am able to request their documentation about why they denied the claim three times but nothing EVER was provided. i made numerous attempts to contact PNC but i kept getting different phone numbers, different representatives only to get more frustrated at their lack of competence. no one provided any avenue or direction on how to get my information. finally, i had to get XXXX XXXX involved. my representative sent pertinent documentation to PNC regarding this matter and called with me on the line to follow up and there was none. my representative got confirmed delivery but PNC is claiming that they didnt not receive any documentation regarding my case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Validation of Debt Request - MIDLAND CRED -XX/XX/XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Ive had my purse stolen about XXXX years ago, with my social security card in it and all, about XXXX year later so in XXXX I had a credit card opened of $ XXXX through chase bank ( some how attached to my personal account ) that I did not authorize nor want. They kept spending money after me trying to call and close it multiple times. I tried explaining it was not me, when they opened the card hadnt realized they had done that because I was not notified about a new card being opened up, so by the time I realized it was already at its max and now at $ XXXX of debt because I simply didnt pay due to it being fraud and someone else using my information. After closing my personal account with chase because I dont want to bank with a bank that does not help their customers out, they still called all the time and emailed me about wanting the debt I owed, now I believe it went to collections which means they now have my personal information which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
Validation of Debt Request - RADIUSGLOBAL - XX/XX/XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
CREDIT KARMA has my money. I am trying to get my funds for several days and can't access them. I have access to my account. But when I transfer I get a message saying I can't access my funds. I have spoke with their so called customer support chat since they don't have a phone number. I keep getting the run around. Keep getting transferred to a specialist to help me. Just for them to transfer me to another specialist that can help. I have spent over 3 hours online chatting today alone and spoke with 8 different specialist or supervisor 's just to be transferred again for them to tell me there is nothing they can do, let me transfer. I am missing out on work and making money. They keep saying I understand what you are going through. DO YOU??? ARE YOU MISSING WORK TO FIGHT TO GET YOUR OWN MONEY??? ARE YOU LOOSING MONEY TALKING TO ME??? Then they wanted me on the last chat to transfer my funds to a 3rd party for me to access my funds. If you can transfer to a third party you should be able to transfer to me... I have transferred to my other account before...... PLUS they said I was going to have to pay the 3rd party AGAIN to get my money. They have already charged me over {$500.00} dollars to access what I have taken out. This is insane I should be able to access my money for free whenever I need it. Instead I am in a fight for it and when I got mad They told me " I needed to Act Professional when I speak to them ''. Seriously how about you be professional and do your job so I can access my funds.......... That I trusted you with. Instead I am having anxiety attacks and my XXXX XXXX is SKY HIGH for trying to get my own money. Never AGAIN CREDIT KARMA YOU ARE THE WORST.....

Company response to consumer: Closed with explanation