vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, Taptap Send formally confirmed via email that a transaction to my XXXX bank account was non-reversible and that the funds were final. Relying on this official confirmation, I treated the funds as settled. However, on XX/XX/XXXX, the companys partner bank in the XXXX initiated a Debit Advice for XXXX to claw back these funds. This action directly contradicted Taptap Sends written guarantee of finality. I discovered this pending debit in XX/XX/XXXX and immediately reached out to resolve the error. Pattern of Non-Compliance : XX/XX/XXXX : I contacted support with legal proof ( the signed Debit Advice ). The agent was dismissive, refused to escalate the matter, and demanded a " final bank statement '' despite the account being in a pending negative status. XX/XX/XXXX : I discovered that Taptap Send had marked my request as " SOLVED '' in their support portal without ever contacting me or conducting an investigation. XX/XX/XXXX : I sent a second formal notice escalating the matter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a generic " holding '' email from a representative named XXXX stating the issue was " escalated to the department in charge. '' XXXX XXXX : Immediately after sending that holding email, Taptap Send CLOSED the case again in their support portal. They have ceased all communication and have failed to coordinate with their partner bank to stop the unauthorized collection. Regulatory Violation : Under Federal Regulation E, a financial institution is required to investigate a reported error. By summarily closing my tickets without contact or a resolution, Taptap Send is in direct violation of these procedures. They are allowing a partner bank to seize XXXX based on a contradiction of their own stated policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a lawn care company ask for a {$40.00} deposit to cut my yard. They ended up not being able to come out after I sent it. I immediately tried to cancel the XXXX payment. There is no cancel button on XXXX or through my bank. I used the messenger feature in the bank app to contact a representative to process the cancellation. No one responded for over XXXX minutes. I had to restart a new conversation to get a response. During this new conversation XXXX claimed it was delivered and that I took over XXXX minutes to try and cancel it. This is obviously not true at all they can look at the messages and wait times. I will provide screen shots as well. He then proceeds to say its delivered but I instantly go to the app and screen shot the pending delivery. They then stopped responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I was charged {$2100.00} by a travel agency called XXXX XXXX for a XXXX XXXX flight and in-cabin pet reservation service. The merchant later confirmed in writing that a refund of {$1900.00} had been processed and would be returned within XXXX billing cycles. The merchant also provided a refund reference number. However, no refund was ever received. I made multiple attempts to resolve the issue directly with the merchant, including follow-up emails and a formal demand for refund in XX/XX/XXXX. The merchant stopped responding and did not issue the promised refund. I then filed a billing dispute with Bank of America and provided supporting documentation, including the merchants written refund confirmation and my follow-up communications. The claim was denied. I reopened the dispute and submitted additional evidence, but the bank denied the claim again, stating they could not confirm cancellation of the service. My dispute is not based on unauthorized charges or cancellation alone. The issue is that the merchant acknowledged a refund obligation but failed to process the refund, and Bank of America failed to properly evaluate the evidence provided. I am requesting that Bank of America XXXX and properly review the dispute under the correct category of credit not processed or services not rendered.

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 2026-05-06 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: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Two fraudulant charges, there is no company to contact. Contacted bank and reported two fraud charges. Each time bank closed fraud investigation stating I authorized the charges. I did not authorize charge. I did not order anything from company that charged my account fraudently. Bank making false statement of me receiving request to authorize charges. Bank does not call back and falsely accusing me of making charges. I am unable to close account due to bank accounts internally compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding TD Banks failure to prevent and resolve unauthorized recurring charges. A merchant identified as XXXX XXXX XXXX ( XXXX ) charged my credit card on XX/XX/year> for {$130.00} and {$15.00} without my authorization. In response, I closed that card and was issued a new card in XX/XX/year>. Despite this, the same merchant charged my new card on XX/XX/year> ( {$130.00} ), XX/XX/year> ( {$130.00} ), and XX/XX/year> ( {$130.00} ). This demonstrates that the merchant was able to continue billing through a recurring payment or account updater mechanism, even after the original card was closed. I did not authorize any such continuation. I contacted TD Bank to dispute these charges as unauthorized and to request that the merchant be blocked. I was informed by a representative ( XXXX ) that TD Bank could not block the merchant unless I acknowledged the charges as authorized and cancelled the subscription myself. I was further advised to manually lock and unlock my card to prevent future charges or to contact the merchant directly. I escalated the matter to a supervisor ( XXXX XXXX, who confirmed that TD Bank could not block the merchant at this time. I was told I would need to wait until I receive a new credit card and then attempt to block the merchant myself through TD Banks website or mobile application. This does not address the ongoing unauthorized charges and places the burden on me to manage fraudulent activity. These instructions are unreasonable and do not constitute adequate fraud protection. Requiring a customer to either accept fraudulent charges as authorized or rely on a suspicious merchant to stop billing is not an appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I used XXXX to purchase a flight through XXXX totaling {$1300.00}. The airline, XXXX XXXX, has permanently ceased operations and will not provide the service. I contacted XXXX, and they refused to issue a refund and instructed me to file a chargeback with my payment provider. I then contacted XXXX, and they refused to process a dispute, stating they can not override the merchant, despite the service not being rendered. I have attempted resolution with both parties and have been redirected back and forth. I am requesting a full refund for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I am currently receiving daily robo calls from Global Lending. My car was repossessed in XXXX making it more than XXXX XXXXears since at this point. The repo should be a charge off and I shouldn't be continuously harassed. When I answer, there is nothing but silence on the other end of the line, but when I don't I get this long voicemail asking me to call them. I just feel like it's harassment to have a company call you daily when the debt has been settled more that XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Truist Credit Card Disputes Department, I am writing regarding claim number XXXX, which has now been denied again. I am extremely disappointed and frustrated by XXXX handling of this matter. This dispute involves a business credit card transaction for services not rendered. The merchant, XXXX XXXX XXXX, accepted payment for XXXX XXXX XXXX XXXX XXXX that was to be completed over several months, with delivery expected in XXXX XXXX. Because of that agreed timeline, it would have been impossible for me to know within 60 days of the original XXXX and XX/XX/XXXX transactions that the services would not be delivered. Despite this, Truist has continued to deny my claim solely based on the date the dispute was filed, while refusing to fully investigate the actual issue : the merchant failed to provide the contracted services. No reasonable review appears to have been made regarding : Whether the merchant delivered any completed work Whether proof of services exists Whether the merchant is reachable My documentation shows repeated attempts to resolve this directly The contractual timeline showed that delivery was expected months later This is especially disheartening because another banking institution reviewed similar transactions with this same merchant, conducted a proper investigation, and ruled in my favor after determining I was not provided the services purchased. Instead, Truist has chosen to ignore the facts and rely only on the XXXX filing date, leaving me financially harmed while the merchant keeps my funds. I now feel I have been wronged not only by the merchant but also by the institution I trusted to protect its business cardholders. As a loyal Truist customer, I expected far better treatment and a fair review process. This experience has severely damaged my confidence in Truists commitment to its clients. Because this matter has not been handled properly, I will now be pursuing all available remedies, including filing formal complaints against Truist with thXXXX XXXX XXXX XXXX, the Federal Trade Commission, and any other appropriate regulatory agencies. I am also exploring all legal options available to recover my losses. I am requesting one final escalation of claim XXXX to a supervisor or XXXX review team for a complete investigation based on the facts of this case, not solely the transaction date. Please contact me immediately regarding next steps. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX Sincerely, XXXX 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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
The complaint is regarding my Robinhood account. On XX/XX/year>, I went to put in my passcode to access my Robinhood account. They said I had to sign in. I have only ever had to use the passcode to sign in. I tried to sign in with my email and password. It said it needed my license or some government issued ID. I scanned them my license both front and back and it kept spinning and spinning, it finally said, try again later. So Try again an hour or so later and the same thing happens. So I delete the app and re add it and retry. That time, I was able to get my license to go through. Then it asks for facial recognition picture to front and sides of my face. I do that and I still can not get into my account. I call Robinhood and they say in an automated message that you can be added to a list and they will call you back. Then they disconnect, so there is no way to have them call you back or leave a message for them. I try another way to contact them and they say that if I type my number ( which they should already have ) they will call me back. They never attempted to call me back. I get an email from Robinhood at XXXX XXXX on the evening of the of XX/XX/XXXX and they say in the email that they tried to call me but they weren't able to reach me. They did not try to call. I had no missed calls. I said in the email that no one attempted to call me and that I needed someone to contact me to get me into my Robinhood account. At at XXXX, I get another email from them saying, " based on our records, this case is closed '' and if it isn't resolved to go to their contact us page. I email them back, saying it isn't resolved and I am still unable to get into my account. They never emailed me back. I go to the contact us page that they suggested and it took me to a page telling me to put in my email and my legal name. When I hit submit it says, there is an error. I then clicked on " I forgot my password '', hoping that would help. They said they would send a code to verify my identity. It took over XXXX minutes to send the code and when I go back into enter it, the page is gone. I tried again this morning to get into the account to no avail. This is why I am reaching out to you. I have looked on line to see if anyone else is having this problem and it appears a lot of people have had the same trouble with Robinhood. All I need is to get into my account. It seems to be a scam but I am actually in the Robinhood website, so I am not sure. But they make it impossible to get into it and impossible to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Contact with seller, XXXX XXXX, she turned boat over to XXXX XXXX XXXX to handle transaction and shipping. I signed escrow agreement and wired {$12000.00} to Wells Fargo. Then communication ceased. Phone numbers no longer in service, no return emails. XXXX XXXX XXXX website had been determined to be fraudulent and they plagiarized another companys logo and pictures ( the company you will get if you call number when click on phone icon on web page. Filed fraud recovery claim thru my bank to Wells Fargo with law enforcement report but no response.

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 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am filing a formal dispute regarding an auto loan that was misrepresented at the time of purchase and executed under circumstances that did not allow for informed consent. At the time of signing, my understanding was that I would be acting as a co-signer to assist with loan approval and that XXXX XXXX would be the primary borrower. This understanding was discussed prior to signing and reflected our expectations going into the transaction. Additionally, XXXX XXXX has supporting evidence and communications showing that the dealership discussions involved obtaining a co-signer for him, not making him the co-signer on the finalized loan. This further supports that the borrower structure reflected in the contract does not match what was represented to us prior to signing. We were not given a meaningful opportunity to fully review the contract before signing, nor were we informed that we could take the documents home to review them prior to completing the transaction. The process felt rushed and pressured, as the dealership appeared focused on completing the final sale of the day quickly. Important terms, including borrower designation, were not clearly explained to us before the electronic signatures were completed. However, after reviewing the finalized contract, I discovered that I was listed as the primary borrower instead. This was not properly explained to me during the signing process, and I did not knowingly agree to being designated as the primary borrower on the account. The signing process was rushed, as we were the final sale of the day and were pressured to complete the transaction quickly. We were not given a fair opportunity to review the documents, and at no point were we informed that we could take the paperwork and review it before signing. The documents were presented electronically and key terms, including borrower designation, were not properly explained. Additionally, I do not have a valid drivers license, which raises further concerns regarding how this loan was structured and approved. Had the true structure of the loan been clearly explained, I would not have agreed to these terms. I attempted to resolve this matter directly with Santander Consumer USA, but my concerns were dismissed and not properly addressed. This issue originated during the sales and financing process at XXXX XXXX XXXX in XXXX, XXXX, where the loan terms were presented and misrepresented. This situation constitutes misrepresentation, lack of informed consent, and potentially deceptive sales practices during the loan origination process. I am requesting a full investigation into this matter and an appropriate resolution. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I received a call from XXXX XXXX in regards to Bridgecrest filing a claim on my XXXX XXXX XXXX for accident and repossession. I originally had a loan with Bridgecrest through XXXX for my XXXX XXXX XXXX I purchased in XXXX. In XXXX, I took out a personal loan with XXXX XXXX and paid my balance with Bridgecrest in full on XX/XX/XXXX. Since XX/XX/XXXX, my XXXX XXXX XXXX has been paid off with Bridgecrest and they released my title to me lien-free from their company. They also sent me a letter showing my account has been paid off in full successfully. XXXX XXXX calling me that they are filing a claim on damages and repossession for a lien is completely false and they have no right to anything with my XXXX XXXX XXXX, as they are no longer my lien holder. Only XXXX XXXX has a lien to my XXXX XXXX XXXX. The XXXX XXXX claim Bridgecrest had submitted is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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