vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Since last XXXX of XXXX despite numerous attempts sending proof of who I am Capital One does not let me enter my account or allow me to use my card instead they claim fraud and continue adding up late fees. I'm XXXX, have had XXXX XXXX XXXX have sent all my personal info yet they laugh on the other end and won't allow me even to see my balance let alone use my 3 Capital One cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This complaint is regarding Santander XXXX USA. I currently have two vehicles financed through Santander that were originally purchased in Georgia. My family relocated to Florida on XX/XX/2026, and I have been attempting to obtain the necessary title documentation so that the vehicles can be registered in Florida. I first contacted Santander in late XX/XX/2026 to notify them of our move and explain that the XXXX XXXX XXXX Tax Collector 's Office requires the vehicle titles to complete the registration process. Despite this notification, Santander has not sent the titles. On XX/XX/2026, I emailed Santander the required forms provided by the XXXX XXXX XXXX Tax Collector 's Office, as instructed by Santander, so that the titles could be sent directly to the Tax Collector 's Office. I received no response. I followed up by phone and, on XX/XX/2026, Santander provided only a generic document stating that we had moved to Florida and needed to register our vehicles there. This was not the documentation requested by the XXXX Tax Collector 's Office and did not resolve the issue. On XX/XX/2026, I sent another email marked as urgent and again received no response. I subsequently attempted to call Santander multiple times but was unable to reach anyone for several days. The Santander website provides a fax number for title-related requests, so on XX/XX/2026, I faxed the required documents. Once again, I received no response. On XX/XX/2026, I contacted Santander and was informed that I needed to contact the XXXX DMV to pay a title release hold. I did so immediately, only to learn that this information was incorrect because Georgia does not hold the titlesSantander does. At this point, we are on our second temporary registration and have only four weeks remaining to register our vehicles in Florida. Despite numerous phone calls, emails, and a fax submission over the course of several weeks, Santander has failed to provide the required title documentation or offer a clear resolution. I am requesting immediate assistance in obtaining the necessary title documents so that our vehicles can be properly registered in Florida before our temporary registrations expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
I am submitting this complaint against KeyBank regarding a banking failure during my honeymoon in XXXX ( May 1228, 2026 ). As a loyal customer since XXXX, I am demanding accountability for their poor service and refusal to resolve this matter. While abroad in a cash-heavy country where having physical currency is an absolute necessity, my KeyBank card consistently failed at a handful of different bank ATMs across multiple locations. This technical failure left me stranded without access to my own money for 2 weeks, forced me to run up foreign transaction fees on daily purchases, and required me to borrow cash from my wife and figure out how to repay her. I was assured the card was clear, yet it never worked. I attempted to resolve this today via chat through their app but KeyBank refused to credit the fees, prompting me to file this complaint. Somebody must be held accountable and corrective action must be taken, or these systemic issues will continue to hurt other customers. I am not having it. I request a full reimbursement of all foreign transaction fees incurred during my trip. If KeyBank fails to resolve this, I will immediately close all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
In XX/XX/year>, my XXXX XXXX XXXX XXXX account was closed due to fraudulent charges on my account that were not caused by me.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
An international wire transfer was initiated by the law firm I used to be a partner of ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) ), in business since XXXX. The wire is for my company XXXX XXXX, a XXXX XXXX XXXX established in XXXX of which I am the sole owner. The wire transfers from XXXX to XXXX XXXX are a regular occurrence, at least 1 every month for variable amounts based on work performed as support to the law firm to which I provide services as off counsel. The wire went From XXXX XXXX to XXXX XXXX XXXX using CITI as intermediate. The wire initiated XXXX XXXX XX/XX/XXXX, for {$26000.00}, but has not arrived. After countless hours and calls to all institutions, I finally found out it was " sanctioned '' by CITI without explanation by a wire supervisor that relayed this information. I tried to find out more information to be able to clear it and provide whatever is necessary, but they would not provide it to me or my bank ( XXXX ). They said they would provide to XXXX, but XXXX says nothing has been communicated and its incredibly difficult to get someone on the line. This is just insane and unjust. I want my money as I am a law abiding US citizen that pays my taxes and abides by the law and needs MY money to make mortgages and car payments that can not wait for a bank bureaucrat to decide not everything coming from XXXX is to be flagged or illegal. Shame on CITI for taking this position and not facilitating its easy resolution. The XXXX number for this transaction is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX complaint was opened because Capital One refused to help with fraudulent charges. They responded in a copy/paste manner to CFPB and CFPB accepted the response and closed it - none of my concerns had been addressed in that original complaint and CFPB still accepted it. Now, my credit card was canceled by Capital One out of XXXX XXXX XXXX Utah. This is retaliatory because of my use of card protection. Capital One moved to XXXX XXXX XXXX Utah because it is a XXXX full of cheap illiterate labor and loose laws. Same as XXXX XXXX they merged with they are a piece of XXXX company. CFPB allows this retaliation directly from the complaint I raised. CFPB has also mailed me paper mail when I specifically ask not to showing their carelessness for not even reading these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I deposited a verified corporate payroll check in the amount of {$1900.00} using the banks mobile banking app. Following the deposit, I received an official automated email from the bank stating that a 9-day hold had been placed on the funds, making my paycheck entirely unavailable. On XX/XX/XXXX, I contacted customer service to resolve this issue and request a partial release of funds to cover immediate living expenses, as this is my primary source of income. The front-line agent stated they could not see the hold on their primary dashboard. I escalated the call to a supervisor, who was able to locate the hold in the banks backend risk/compliance system. The supervisor informed me that the hold could not be lifted or modified under any circumstances. I then requested that the bank reject or cancel the deposit so that I could take the physical check to the issuing bank to cash it immediately. The supervisor denied this request, stating they could not reject the digital image. The bank is currently holding 100 % of my hard-earned payroll funds, refusing to release even the statutory minimums required under Regulation CC for standard deposits, and refusing to release the check back to me so I can access my money elsewhere. This has caused immediate financial hardship and places my account at risk for predatory overdraft fees.

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 2026-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
We had a hardship in XXXX and received a modification approval that increased our mortgage and they say that this is when our mortgage type changed from FHA to conventional without our consent I didnt know the change occurred until I applied for assistance and was told we had a conventional loan and they couldnt help us. Please look into this matter. I have also contacted the attorney general on this matter. In XXXX XXXX XXXX send letters saying that there was a mistake on loans and they were correcting it because we had a bankruptcy in XXXX and our house was included and should never been shown on our credit report but it did but they corrected it and this was the same time that our loan was switched!! They have a class action lawsuit against them for mishandling loan accounts please help us with this serious matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
The collection agency is contacting my place of employment. When speaking with the staff they are rude and refuse to answer my questions. Im currently paying XXXX XXXX so not sure why I am receiving collection calls to make additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: TX

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT REFLECT MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MAINTAINED MY ACCOUNT AS AGREED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
I have attempted to follow the proper channels for loan modification, all paper work was submitted and payments have been scheduled but they will not work with me because according to them, my loan is too new. I'm trying to prevent foreclosure and they have been rude and not helpful. They will not work with me to accept the funds I do have or apply it to what I need to get current.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On the date of XX/XX/year> I encountered an unfortunate breach of privacy and a violation of the Gramm Leach Billey Act while using Cash App by one of its employees. I ( XXXX XXXX ) was asked to send money to/by XXXX XXXX and I sent an amount of {$75.00} usd shortly after I received a phone call from XXXX XXXX stating she didnt understand why XXXX XXXX wasnt getting the payment that she sent via Cash App if the payment I ( XXXX XXXX ) sent was received. The issue at hand is I never disclosed with XXXX XXXX that I sent XXXX XXXX money so I inquired how did she know I sent money to XXXX and XXXX replied the people from Cash App told her that I ( XXXX XXXX ) sent XXXX XXXX {$75.00} usd and that the payment went through and they ensured XXXX that her payment was received as well. I then contacted Cash App and notified them of what has taken place. I have looked into this matter and I have reached the conclusion that this violates Cash Apps privacy policy and violates the GLBA Act because under no circumstances should there have been a record of my transaction as well as my full legal disclosed to someone who was not involved in the transaction ( XXXX XXXX ). I have provided a full record of the transactions an well as the phone calls to Cash App from XXXX and myself which are to be recorded and monitored by Cash App from my understanding a recording of XXXX 2nd phone call to Cash App as well as a text conversation between XXXX and myself discussing what has taken place

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In the middle of XX/XX/year>, my wife and I refinanced our house. In beginning of XXXX we received a delinquent notice from the county tax collector with an additional {$380.00}. I contacted the current lender the day I received the notice. After multiple emails back and forth, a " thorough review from leadership '' they claim that it is the responsibility of the borrower to pay the property taxes and that this information is clearly stated in my loan agreement. I asked where I can find this information and they stated that they can not provide that information. I have also asked why do I have an actively funded escrow account if I have to pay for my property taxes. On XX/XX/XXXX, the escrow company paid the property taxes and the delinquent fee. I have requested to receive a refund for the amount equal to the delinquent fee ( {$380.00} ) and they have denied because they claim it to not be their responsibility. On their side, they thought the previous lender would have paid it and that since I received an escrow refund, I should have used the escrow refund to pay for my property taxes. A quick internet search shows that the escrow company is legally responsible to pay the taxes on time. I paid an initial escrow deposit upon closing and as a consumer, I had the belief that these companies had my best interest in mind and that they would take care of business as they are supposed to. I have a total of 42 email messages where I have tried to work with the company for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued rep orting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
My attorney wants you to send a report of an itemized breakdown why I owe XXXX left? And the chart shows in my email wha exactly will be charged. He wants to see if it matches your records. Please send itemize breakdown why I owe XXXX for 5 extensions over the whole loan thank you!!! And he said no where it states in this email you stating I will owe XXXX as a ballon payment, it states I will be charged XXXX for two month extension. He wants to know where the extra XXXX came from on the loan? Please send copies of an explanation! Thank you

Company response to consumer: Closed with explanation