vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I am submitting a complaint regarding a stalled XXXX Buyback request for my federal student loans. My loans were transferred from XXXX to XXXX, which I believe has added to the issues causing my request to remain unprocessed. Key Details : Original Buyback Request Submission : XX/XX/XXXX via XXXX reconsideration portal Employment Start : XXXX ( all public service employment ) Employment Certified Through : XX/XX/XXXX XXXX XXXX : XXXX qualifying payments/ XXXX months of eligible employment Current Loan Status : Administrative Forbearance under XXXX plan Servicer Transfer : XXXX XXXX Despite submitting this request approximately XXXX months ago, I have not received a buyback calculation or offer. Previous escalations to XXXX and the XXXXXXXX XXXX XXXX Ombudsman have not resolved this delay. I request that CFPB facilitate a manual review and prompt processing of my XXXX buyback request so that my loans can be discharged according to XXXX program rules.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding my credit card account and the failure of the credit card company to send my requested replacement card. In XX/XX/year>, I requested a replacement credit card. Since that time, I have continued to receive account information and communications related to my account, but I have never received the replacement card. I have contacted the company to ask why I am still receiving account information but have not received the replacement card. The issue has not been resolved, and I have not been given a clear explanation. I am concerned about the status of my account and the security of my card. I am requesting that the company investigate this issue, send the replacement card immediately, and explain why the card has not been delivered since my request in XX/XX/year>. Thank you for your assistance in helping resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cashapp has blatantly lied repeatedly on their complaints responses. They closed my account with no explanation. When I attempted to get a supervisor to explain why and reopen the account, they escalated and NEVER responded. The company has LIED TO YOU AND THE PUBLIC about their response from their departments. There was NOTHING that I've ever done against terms of service with their company and they shut me down and when I try to create a new account they ban that one too. This is beyond ridiculous and the company needs to be investigated for fraud breach of terms of service and general shadiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: SC

Complaint narrative:
Please see attached I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX veteran. I hold a mortgage with Carrington Mortgage and I have been trying for 6 months to rectify a situation with them. Long story short XXXX of my autopay payments did not come out of my checking account. ( I had no idea ). They sent out a letter to my home XXXX months after telling me that XXXX of my payments did not come out. I went to XXXX XXXX and they told me that the payment was never sent to the bank. After the payment that did not come out. There was XXXX other payments that came out after was successfully retrieved. My wife XXXX XXXX XXXX has her credit card on file for any overdrafts would take money from her credit card. I appreciate XXXX XXXX for taking the time to show and explain to me what happened because at XXXX i don't do a lot of things online. Which is why we set up the autopay. After calling XXXX about XXXX times I finally was sent up to a senior representative who told me that because of the missed autopay they took off the electronic payment on my account and that was why my wife could not log in and pay our mortgage. I told the lady that we don't have any paper check and online is how we have always paid. So that lady told me she would refund a the late payment and would restore our ability to pay online. By this time it was after the XXXX. But we thought since they prevented us from paying they would not penalize us. I WAS WRONG. So i appled for a VA XXXX XXXX to modify our house for my motorized wheelchair. They said XXXX have us listed as late on our credit report. Which was why they were disapproving the loan for me. I have tried all avenues to talk/reason with them about how it was not our fault they prevented us from makin our payment on time. I feel that because of my age and sometimes I don't have the words to express my self they are treating me like XXXX. My VA rep told me to file a complaint with you guys and FTC and they would see what they could do on their end to help me. I feel so demoralized because i did the best i could and I always watch how things are paid and when they are paid but have never had a company prevent you from making a payment then reporting you as late. That has to be criminal. Since you guys are for the consumers what other resources do you have for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On my last credit card statement, I was charged a {$30.00} late fee and {$140.00} in interest. I called credit card customer service and they said it was because the payment was received on XX/XX/XXXX and the due date is XX/XX/XXXX. However, I checked online with my bank and it clearly indicates that the payment was sent by ACH ( electronically ) on XX/XX/XXXX, shortly after midnight. I called my bank about this and they said that the credit card company likely received the payment that day or the next, but certainly received the payment no later than XX/XX/XXXX. I called credit card customer service to let them know what the bank told me but all they did was take off the late fee but would not take off the interest. I then asked to speak to a supervisor and the supervisor suggested that I send a message about this through the credit card website. When I did that, the response was that they received the payment by mail on XX/XX/XXXX and did not receive it electronically. I replied to tell them again that my bank records clearly show that it was sent electronically via XXXX on XX/XX/XXXX and asked them to check this again, but all I got was another response that was the exactly the same as their first response, which was that the payment was sent by mail and received by them on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: FL

Complaint narrative:
Hello, I am writing regarding my Cash App account, which was locked after I attempted to use my card while traveling outside of the United States to send money. Since returning, I have contacted Cash App support several times requesting assistance to withdraw the funds in my account. Despite my efforts and my willingness to verify my identity or provide any necessary documentation, I have not been able to access my money. I also opened a formal complaint, and it has now been XXXX days, yet my {$3200.00} balance continues to be held without resolution. I respectfully request that this matter be reviewed urgently and that my funds be released or transferred to my linked bank account as soon as possible. Please let me know what information or verification is required from my side to resolve this issue. Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: TX

Complaint narrative:
XX/XX/XXXXXXXX and XX/XX/XXXXXXXX I was told twice I could send in my temporary paper ID to verify my identity when I sent it in two days later I received a email stating they couldnt verify me and it was nothing they could do go to my local office I called them and asked why I was denied they told me they couldnt tell me anything go to my social security office I asked if I could send in my social security card and birth certificate the lady told me she didnt know I could try I sent in my information they denied me again told me to go to my local social security office I went to my local security office they said they no longer work with XXXX XXXX I reach out to u.s treasury they told me to flag the payments I did u.s treasury said they was able to verify the account was mines it was nothing they can do about it two checks with the amount of {$910.00} has went to this card and they will not grant me access to my funds after sending forms of ID they keep sending me to social security and social security no longer reaching out to them they stop last year of XX/XX/XXXXXXXX I asked the guy what is it exactly Im suppose to say to social security and he hung up in my face this has been a on going battler for two months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: GA

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TRUEBILL, INC
State: MA

Complaint narrative:
I initially did not know that there was a charge from Rocket Money and thought it was a free app. Months ago I requested cancelation from Rocket Money when I realized I was being charged. Although I had been informed that I would not be charged I am still receiving charges and their representatives keep stringing me along giving me misinformation at XXXX This is my initial response that has not been followed through and I'm still being charged.Hi XXXX, Thank you for contacting Rocket Money. I understand your concern about charges continuing after you cancelled your subscriptions, and I want to ensure everything is clear and resolved for you. After reviewing our records, I see that your Rocket Money XXXX subscription was cancelled on XX/XX/year>, and no charges have been made since then. If possible, please provide a screenshot of the charge. Could it be that you signed up for Rocket Money using a different email address? If that is the case, please send me your full name and the email address you originally used to sign up so I can locate your account. Thank you for your assistance with this. Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: NY

Complaint narrative:
I logged into my blockchain.com account which I had not used in a while and I saw that I had some funds in there- I do not actively use that wallet/account so figured I would send it to my active wallet on a different platform. I was notified minutes after initiating the Send request that my account had been frozen along with my funds. They requested I share a bunch of personal information with them, including a selfie photo with the date and my ID. I provided all of the information and have not heard a single thing back, even after contacting them numerous times. My funds are still frozen on their platform and it doesn't seem like that is going to change any time soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>XXXX I discovered 3 large transaction ( totaling {$10000.00} ) had been made on my account via Card # Entered by Customer/Merchant that were not authorized be me or my husband on XX/XX/year>. As soon as I discovered that, I initiated a fraud claim and dispute on-line through the Wells Fargo portal . I received a call on XX/XX/XXXX from Wells Fargo stating they denied my claim and would not refund my account. No credits had been issued by Wells Fargo at any point during their investigation. And advised me to reach out to the merchant directly ( XXXX XXXX XXXX, XXXX XXXX, ph # XXXXXXXX ) So I did. In doing so it was discovered that my Debit card was fraudulently duplicated along with my drivers license. I immediately contact my local authorities to file a identity theft and fraud case # XXXX with XXXX XXXX with the XXXX XXXX Texas XXXX XXXX. I have email documentation, along with text messages from the merchant that contain a fraudulent Drivers license and debit card that was used. However the picture, height and signature on the id was not me. The debit card used was a red card. My actual card is XXXX. On Friday the XXXX of XXXX late afternoon, I contacted Wells Fargo again regarding the claim. I wanted them to re-investigate and spoke with XXXX with the Wells Fargo fraud dept ( XXXX ). She said they would reopen the claim if I could email them the documentation I had obtained to XXXX. I did just that. I called back on XX/XX/year> to follow up on the status. I first spoke to a XXXX who put me on hold a few times to review the documents I had submitted. She then stated it was not enough information to determine I had not authorized this charge. I then asked to speak to a supervisor. At which point she transferred me to her supervisor XXXX. At that time she advised me they had reviewed the information and would still be denying the claim because who ever used my card had the correct card information. I told them this was unacceptable. I have since submitted a request for the follow items from Wells Fargo. 1. A detailed explanation of the basis for the denial of my fraud claim. 2. Any merchant response or documentation provided to Wells Fargo during the investigation. 3. Transaction authorization logs and verification details used for the payment. 4. Any IP address, device identification, or location data associated with the transaction. 5. Any billing information, identity verification, or authentication data submitted during the transaction. 6. Internal investigation notes or findings related to this claim. 7. Any evidence Wells Fargo relied upon to determine that I authorized this 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 2026-03-12 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This is my response to Ally financial to their previous response to my first complaint. Ally is claiming that my calls to them were because I never received the gap refund check of {$720.00}. This is untrue. My calls were pertaining to the missing maintenance check that I was expecting that was mailed from XXXX to Ally and the amount of {$850.00}. If anyone wants to look at the calls, they would see I was never asking them to cancel the gap refund check because I didnt receive it. I was calling for a month and a half because Ally could not locate the Maintenance check of {$850.00}. I had proof of when it was cash by Ally and when they finally told me that they located it and would be sending it to me. The customer service representatives must have been confused or misinterpreted something but I was pretty clear about the intentions of my call. Ally sent me three checks that bounced in my account, causing my money to be frozen for three weeks in my bank account to finally be closed and all my efforts to get Ally to help me save the relationship they would not this has caused me great financial harm and has wasted a good amount of my time. I would like to have a final resolution with Ally so I can stop making regulatory complaints. I would like to be compensated for all the financial harm. This has caused me in the amount of {$1000.00} I look forward to a quick and fair resolution. I have sent two demand letters by certified mail. One was delivered a week ago on Friday and a week ago on Sunday. I need a permanent fix not another temporary solution. I am trying to resolve this without further escalation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have an on line checking account with capital one bank. I used the on line service to purchase a cashiers check for XXXX XXXX dollars ( {$20.00} cost ). I order the cashiers check and had it delivered to XXXX XXXX Arizona, ( one hour from my home ) the following day. ( XX/XX/year>XXXX ) where I was going to complete a purchase contract for a land parcel. I retrieved the check and delivered it to XXXX XXXX, the payee and seller. We completed the transaction with my receiving the title and deed and I gave payment in the form of certified funds through the purchased cashiers check. The following day, XX/XX/year>XXXX XXXX informed me that his spouses credit union had closed out her bank account because the cashiers check bounced because it had been canceled. XXXX called to advise me that the check had no funds. We came to an understanding and we agreed to meet the following day. Because capital one bank advise XXXX that I had cancelled the cashiers check before it was delivered. XXXX was convinced that I had intentionally and preplanned to commit check fraud. XXXX did report me to XXXX XXXX Police Department for fraud. This information came directly from capital one bank when XXXX called them to inquire about the bounced check. I called capital one on three different times. XX/XX/XXXX, at XXXX XXXX, spoke to customer service. XX/XX/XXXX at XXXX XXXX, spoke to customer service to advise them the cashiers check was not honored. I was told to fax and affidavit requesting that I am canceling the cashiers check in order to get my money back. I advise them that I wanted to know why the check was not honored. I called for the third time and spoke to a supervisor, who stated that some one called to cancel the check. Check would not tell me who called. I advise them that they were giving wrong information to the payee. The payee believes that I canceled the check because that is what capital one told them. I advised her that I was now accused of committing fraud based on the information they are providing the payee. I was told that I would receive a letter via mail address these questions. She said an investigation would be conducted including listening to the calls. She said that I need the original cashiers check or the signed affidavit stating that I am requesting them to cancel the cashiers check due to my own negligence. I have not been issued a refund of my XXXX XXXX dollars. I want a refund of my XXXX XXXX dollars and any interest for holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I did my forgiveness and got approved then they put me back in debt for the same loan my school had closed so I was owed money back I filed all the paperwork Im also XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are some inaccurate accounts and and inquiries on my consumer report. I've listed in my dispute letter the accounts that were opened fraudulently. FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX - XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX - XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation