vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: WY

Complaint narrative:
I was treated very poorly for asking to verify the debt they claimed I owed as well as asking another time what I could pay to resolve the debt and have it removed. The man I spoke to cussed at me and called me lazy and worthless for having the debt in the first place. He told me I wouldn't be allowed settle anything and that instead he will add more to it if I didn't pay at that moment. I asked for them to remove it if I paid and he agreed claiming he would send the email stating they will honor it. Instead I received nothing and they won't even talk to me now that it's paid. They have updated it to paid instead of doing what they claimed. This company needs to be investigated and I would like to have it removed as my rights were violated. I contacted them on XX/XX/year> and paid {$2600.00} which is what he stated I needed to pay to have it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app closed my account and took my money never answered me or sent me email or anything about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: WI

Complaint narrative:
I receive child support XXXX a year on the way2go card. Every year after a few transactions that DO NOT exceed the daily limit, my card locks up XXXX can not be used anywhere, not even in person. I am told something different every time I've called XXXX nothing that is suggested has worked. The last call I made earlier today, the XXXX told me that it's apparently the fault of all of the XXXX XXXX I need XXXX talk XXXX them because there's no information that they can see so she can not help me. I rephrased the question XXXX asked what XXXX do if the transactions all fail XXXX say " declined by bank '' which is what they're telling me. She still said not their problem it's the merchant.. Unfortunately every merchant also tells me we just see that it is declined by the bank but there is no other information. So all in all it's been XXXX retailers today who have said that they can't see why it declined other than it's the fault of the bank XXXX then when I call the XXXX customer service team who does not have a direct line XXXX I have XXXX jump through hoops XXXX get a human, they pass the buck XXXX say well we can't see anything. I see so many complaints on reddit about this same thing happening XXXX others. Declined by bank is what the error message is for them too. I can't use the money right now that I pay up front all year XXXX i really need XXXX. It's very disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Account copied from XXXX ( XXXX ) Police Department Report # XXXX reported on XX/XX/year> : I was contacted by a XXXX number ( XXXX ) which read as XXXX on Caller ID on Thursday evening - they said they were conducting a fraud investigation and confirmed charges on my account which I corroborated by logging in. After that they sent me to a second number ( the " fraud investigator '' ) who also called from an area code I knew to be associated with XXXX XXXX from previous interactions ( XXXX / XXXX XXXX TX ). The person on the other line called repeatedly and fraudulently lead me to submit " test '' transactions which continually bounced back so I assumed it was on the up and up - however eventually on Sunday morning he indicated that I needed to call a provider to greenlight a specific transaction so a " sting '' could be followed through on on the other end. This finally gave me the red flag which signaled this wasn't XXXX but was an elaborate impersonation fraud. Currently pending charges which haven't been cancelled total {$3000.00} ( while another {$3000.00} in charges have gone through already but are being disputed ) but I've cancelled all accounts and cards with the associated institutions where transactions occurred ( XXXX XXXX XXXX XXXX XXXX, XXXX, Chase ). I've also filed a fraud report with Chase ( Claim # XXXX ), XXXX ( nothing filed because no charges were processed ), XXXX SECU ( need to confirm tomorrow in a physical location but it was reported by phone today ), and the FTC ( # XXXX ). My wife ( person whose info is attached ) witnessed the initial calls and continued calls over the course of the days in question. Additional Notes ( Updates since filing the police report ) : Chase has denied reimbursement citing my authorization despite the fact that the authorization was only made due to an impersonation fraud scheme which should be covered under XXXX 's imposter scam reimbursement policy for impersonation of a financial institution. The scheme included spoofing XXXX 's actual customer service number ( XXXX ) and XXXX area code, which is the hallmark of a qualifying financial-institution impersonation scam. I've provided the same information as above and noted the specific transactions totaling {$4000.00} ( 4 {$1000.00} transactions ) which should be reimbursed. I'm also seeing the current Chase claim number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am filing this complaint because USAA continues to prevent me from accessing, securing, disputing activity on, and closing my account despite repeated attempts over several months. My account has been subject to ongoing identity theft and account takeover activity since XX/XX/2026. Although USAA previously responded to a CFPB complaint and stated that my account had been restored, I continue to experience account access failures and remain unable to effectively manage or close the account. On XX/XX/2026, I traveled to the USAA Service Center in XXXX, Maryland accompanied by my attorney. During that visit, USAA personnel were able to provide printed account statements, which revealed additional unauthorized and suspicious activity continuing through XX/XX/2026. However, the service center advised that they could not process disputes, secure the account, or close the account. I was instructed that those actions could only be completed by calling USAA. Based on the continued unauthorized activity and inability to secure the account, my attorney advised me to withdraw substantially all remaining funds. I withdrew the available balance, leaving approximately {$100.00} in the account, and obtained a cashier 's check for approximately {$5400.00}. Following the XXXX visit, I made multiple calls to USAA in an attempt to dispute unauthorized transactions and close the account. During each call, I was transferred to a specialized security team. After extensive verification attempts, the calls were terminated by USAA representatives without providing a resolution, without allowing disputes to be completed, and without allowing the account to be closed. As of today, I remain unable to reliably access, dispute activity on, secure, or close the account. No practical resolution process has been provided despite repeated requests, attorney involvement, prior CFPB complaints, and an active law enforcement investigation. I am attaching supporting documentation, including account records and a recording of a recent call demonstrating the inability to complete the dispute and closure process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I tried to register It failed because I didnt have social security number They keep sending me emails with NO link to unsubscribe

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I deposited a {$6000.00} check at a Bank of America ATM. The check was drawn from my Bank of America business account and payable to me. The funds were removed from my business account, but they were never credited to my Bank of America personal account. I reported the issue to Bank of America and a claim was opened. The claim was later closed with the explanation that the bank could not locate the deposit and that I was liable for it. The check/funds were processed and debited from my business account, yet the bank has not identified where the funds were credited. I am requesting a complete trace of the transaction, identification of the destination account or disposition of the funds, and restoration of the {$6000.00} if the funds can not be properly accounted for.

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 2026-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: CA

Complaint narrative:
I paid off my lease in XX/XX/year>. They provided me documents to sign and send back, I did. Then they said my current mileage was illegible. I resent, then I had not checked a box. I resent it again. Then again. I spoke with them on the phone and could only send this via mail which I did. They cashed my check in XXXX, It is XX/XX/year>. Now they want me to resign the bill of sale. Which I already did in XXXX, They refuse to release my title to me. If they needed the bill of sale re-signed, why did they not send withthe 4 mileage requests?? and address the 3 times I spoke on the phone with them. I paid off my car, I have provided all required legal documents, I am not sure why they refuse to release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
The company has contacted my exhusband twice regarding debt I owe that he has nothing to do with and was purchased well after our divorce. The texts have amounts I owe as well as payment options which is all private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I used the Cash app to purchase items from a private seller that I had 2 weeks prior, purchased items from because I had just moved to New Mexico and certain things I was accustomed to from XXXX XXXX were not available in New Mexico. I had purchased from this private seller like I said about two weeks prior to the XXXX successfully and was gon na have repeat business and had text and set up a transaction just like the one two weeks before he told me to send him the money and he would send me the products via US Postal Service to my PO Box since I had XXXX recieved my new address in New Mexico yet. As soon as I sent the money, I stopped receiving text messages and all my calls went to voicemail and could no longer get a hold of this person. I had sent {$230.00} to him who also has a cash app account. I even tried requesting multiple times, the amount of money that I had sent him so he could send it back. To which he denied the requests every time but would not Return my calls or text messages. On XX/XX/XXXX, I contacted Cash app support. I was instructed to request the money back from the individual which I did and also told her if he does not respond that I can take an action which I did. I submitted a fraud complaint to Cash app because this person stole my money and I was told that I needed to wait for a resolution and review of the situation. This is the case numberthey gave me : XXXX. So I kept checking in periodically until finally almost a month later about two days ago I was informed that they made a decision and they could not reimburse me all the facts and evidence is literally right in front of them because its through their app and it shows all the attempts that I tried to get my money back And how many times I contacted the chat and they literally told me to kick rocks basically and that they wouldnt be reimbursing me for the money that somebody from their platform and app used to take my money from me and not return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Hometap Equity Partners, LLC
State: NC

Complaint narrative:
The original loan was in the amount of XXXX, with the distribution of {$35000.00}. I was informed that it would be 20 % of the sale price of the home which would be in excess of {$100000.00} I feel like this is a predatory loan on the equity of my home. I also feel like it violates the North Carolina usury laws. I am XXXX with limited Social Security Disability income.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC
State: FL

Complaint narrative:
XX/XX/XXXX : I sent a formal written dispute and debt validation request via email to Arcon Credit Solutions LLC ( XXXX ) for reference # XXXX. I requested : ( 1 ) original signed credit agreement, ( 2 ) itemized account statement, ( 3 ) chain of ownership documentation, ( 4 ) proof of licensing in Florida, and ( 5 ) date of first delinquency. This is my right under the Fair Debt Collection Practices Act ( FDCPA ). XX/XX/XXXX : Arcon sent a settlement offer letter that stated : Because of the age of your debt, XXXX XXXX XXXX XXXX will not sue you for this debt in Florida. This is an admission the debt is time-barred. Last payment was XX/XX/XXXX XXXX XXXX statute of limitations expired XX/XX/XXXX. XX/XX/XXXX : XXXX XXXX XXXX, XXXX responded to my dispute with a generic form letter stating only we have determined that our credit reporting is accurate WITHOUT providing any of the requested documentation. This fails to constitute proper debt validation under federal law. XX/XX/XXXX ( current ) : The account still appears on my credit report showing open balance of {$15000.00} as a collection account. They continue reporting an unvalidated, time-barred debt in violation of the Fair Credit Reporting Act ( FCRA ). Violations : Failure to validate debt under FDCPA 1692g. Continuing to collect and report time-barred debt in violation of FDCPA 1692e and FCRA 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received daily phone calls from Jefferson Capital with no message left. I finally called back and learned that they were trying to contact someone other than me. I told them to cease contacting me as I am not the correct person. They began calling me again from a different number a week later. A quick listing of the calls and dates is below. Resuming contact on XXXX is a violation of the FDCPA, and them doing so under a different number evaded the block I placed on the first number they called me from, so it is likely they will select another number to continue to harass me with. XXXX XXXX Called back and requested a second time they cease, rep did not immediately connect me to supervisor when requested XXXX XXXX Call received, no message left XXXX XX/XX/XXXX Called back and informed them they had the wrong number and should cease contacting me XXXX XX/XX/XXXX Call received, no message left XXXX XX/XX/XXXX Call received, no message left XXXX XXXX Call received, no message left XXXX XXXX Call received, no message left XXXX XXXX Call received, no message left XXXX XXXX Call received, no message left

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I purchased and XXXX online from the XXXX XXXX XXXX, Maryland store pick up on XX/XX/year> for a total of {$740.00} on my Apple Card through Goldman Sachs Bank. I went into the store and the employee, XXXX was having an issue processing my trade in so called over a manager. The manager cancelled my order, recharged my account {$990.00} and gave me {$250.00} cash for my trade in and were to issue a {$250.00} credit to my Apple Card. Instead, they processed the {$250.00} as a purchase. I immediately filed a dispute on XX/XX/year> with a Goldman Sachs representative who at first tried to tell me the {$250.00} was for taxes and shipping but I had already paid that for an amount of {$59.00}. I received notice today XX/XX/year> that my dispute was denied due to the transaction being authorized. On todays date I also spent 37 minutes on the phone with Goldman Sachs representative, XXXX who told me for the first 25 minutes of the conversation that I authorized the charge until he understood and said he would re submit the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am disputing another collection agency for recently picking up a hospital debt that has already been pain through the XXXX relief funding at the time in 2020. I was unemployed and had gone to XXXX and received financial assistance. I do not owe this debt. Ability Recovery Service has pick up a debt that has been paid through XXXX funding. I am also enclosing a dispute for XXXX XXXX. They charged of the debt and has disputed it twice. I paid XXXX XXXX XXXX what was owed from me. Which was {$390.00}. I do not owe republic finance any debt. They have been paid. See copies attached

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 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XXXX at XXXX I called wells fargo customer service asking to speek to a supervisor about a social security check needing to be processed to be available for my daily needs. This got me processed and transfered to escalation support worker on the helpline named XXXX. I was told that they have no process to dispute this check and that I would have to wait the 5 federal required days to let it process through their system. I had to finish the call and wait for their system to finish, which haven't yet.

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 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I vacated the property due to unresolved issues with the unit and made attempts to contact property management regarding these concerns, but I was unable to receive communication or assistance. Many of the charges being claimed were added to the ledger after I had already vacated the premises. At this time, I dispute the accuracy and validity of the balance being reported. I am requesting full validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: LA

Complaint narrative:
From XXXX to XXXX, I noticed an increase on my mortgage payments to due property taxes being paid and insurance increase, around {$15.00}, so I figured that instead of paying the shortage out front, thats {$15.00} increase would be fine. On XX/XX/year>, I received a Delinquency Bill in the mail. I called my mortgage Company XXXX by LoanCare. They said it seemed that they already paid my property tax, but to file the bill anyway. Over the next few months I made multiple calls, all discussing my escrow and why the shortage keeps fluctuating : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX, XXXX, and XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX and XXXX XX/XX/year> XXXX and XXXX I made a payment to escrow as I was told my shortage was {$760.00}. Thinking that was going to be the end of it. XX/XX/year> XXXX XX/XX/year> XXXX and XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX And XX/XX/year> XXXX XXXX and XXXX XXXX, spoke with a supervisor XXXX. She said no refunds were in order and that my property taxes were paid. I called the tax collector, they said my property had gone to tax sales. Over these phone calls, I got different news every time, do you have to properties?, everythings fine, waiting on a refund, we had the wrong parcel My mortgage had increased almost {$500.00} due to the companys mistake, yet Im the one paying for it. So, today I am filing this complaint as I am fed up with whatever is going on and would like to have some answers from someone.

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