vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XX/XX/year>, XX/XX/year>, XX/XX/year> * '' My spouse experienced a sudden job loss, creating an immediate, documented household financial hardship. I proactively contacted PennyMac multiple times to establish a temporary 5-month hardship forbearance while my account was current/paid ahead via a biweekly payment schedule. * * PennyMac 's systems glitched due to my paid-ahead status, locked me out of the online application portal, and erroneously generated a late fee for XXXX. I then completed a full Mortgage Assistance Application over the phone with their Loan Resolution department. PennyMac denied the temporary forbearance, stating that per 'investor guidelines ' I am required to intentionally fall 2 months past due before they will grant a temporary forbearance. * Forcing a consumer to intentionally default and severely damage their XXXX credit score to qualify for a temporary unemployment forbearance directly violates XXXX XXXX XXXX servicing guidelines regarding Imminent Default. I demand that PennyMac manually establish the 5-month temporary forbearance backdated to XX/XX/XXXX, waive the erroneous late fee, and place a credit protection hold on my account so this systemic error does not impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
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: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I am filing a follow-up complaint regarding a previously submitted CFPB complaint ( XXXX ) against Santander Consumer Finance concerning failure to cooperate with the Indiana Department of Revenue in removing a satisfied secondary lien from my vehicle title. Santander is the servicer of the loan on behalf of XXXX XXXXXXXX XXXX In response to my original CFPB complaint, Santander stated in writing on XX/XX/year> that the vehicle title was mailed to the Indiana Department XXXX XXXX at XXXX XXXX XXXX XXXX, IN XXXX on XX/XX/year> via first class mail. Based on XXXX response, the CFPB closed the complaint. However, as of XX/XX/year>, the Indiana Department of Revenue has confirmed they have no record of receiving the title from Santander. I have attached XXXX records showing the secondary lien remains. This raises serious concerns because either : 1. The title was never actually mailed despite Santanders representation to the CFPB. or 2. Santander mailed an original vehicle title via untracked first class mail, resulting in the title potentially being lost. I continue to experience financial harm because the unresolved lien remains attached to my vehicle title, preventing sale or transfer of the vehicle. I previously received vehicle purchase offers that significantly decreased during this delay. I am not requesting release of the title to myself. I understand Santander remains the lienholder on the loan. I am requesting only that Santander properly and verifiably send the title to the Indiana Department of Revenue so the satisfied lien can be removed and the title returned to Santander. Santanders failure to properly handle this matter, even after a CFPB complaint, has prolonged this issue for months and continues to cause financial harm and unnecessary hardship. Given the continued lack of resolution, even after Santander 's prior response to the CFPB, I am now considering consulting with an attorney experienced in vehicle title and consumer finance matters in order to protect my interests and determine what additional remedies may be available. I have attached a copy of the initial complaint to CFPB, the response letter from Santander and a copy of the secondary lien info from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: U.S. BANCORP
State: FL

Complaint narrative:
{$8500.00} taken from the Business Checking Acct. On XXXX XXXX XXXX acct was notified and a report was generated Bank unable to find where the transaction originated. Bank appearing in the withdrawal stamens was contacted ( US Bank ELAN credit card ). No records of them have notifying the 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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I attempted to withdraw {$100.00} from at ATM on XX/XX/XXXX at XXXX XXXX. The cash was not dispersed and the receipt said " TEMPORARILY UNABLE TO COMPLETE THIS TRANSACTION '' and has RSP code : P1 on the bottom. The funds were taken from my account. I called the phone number provided on the ATM and the automated system said to submit a regulation E dispute with my bank. I contact my bank, CashApp ( XXXX ) to let them know about the issue. They said it would be resolved when the ATM owner reconciled the receipts for the machine and that may take a couple of days. The next day, XX/XX/XXXX, I submitted a dispute with my bank including a photo of the receipt that clearly shows the funds were not dispersed. I have received no response from my complaint and when I contact customer service they say it is in review, that they have 45 days and they can not provide any further information and that I can not contact the disputes department directly for information. When I advise them of the 10 day requirement for regulation E disputes they acknowledge that is true but then continue to repeatedly tell me that it can take up to 45 days. They have acknowledged that they have 10 business days for this type of dispute to be resolved per regulation E and have failed to do so. They have acknowledged in writing that they are beyond that 10 day period and that I have valid grounds to submit this complaint. They did finally issue provisional credit on XX/XX/XXXX but advised that they still have 45 days to investigate and the credit could be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
On XX/XX/year>, I mistakenly purchased an XXXX subscription under the belief that the upgrade was required to continue working during a professional deadline situation. Within minutes of the transaction, I learned the purchase was unnecessary and immediately contacted the merchant requesting cancellation and a full refund. I explained the purchase was accidental, confirmed the service had not been used, and uninstalled the software immediately. The merchant acknowledged receipt of my request and escalated the matter for review. At no point did the merchant dispute my timeline or claim that my cancellation request was delayed. In addition, Wells Fargo was contacted while the transaction was still pending in an effort to stop or address the charge as quickly as possible after the mistake was discovered. Despite my immediate cancellation request, repeated good-faith attempts to resolve the matter directly, and documentation showing the service was never meaningfully used, Wells Fargo denied the dispute primarily because I technically initiated the transaction. Additionally, after the dispute process began, I lost access to the application/service entirely, meaning I paid for a subscription I neither intended to purchase nor could continue using. My complaint concerns misleading subscription and billing practices, failure to adequately review dispute evidence, a documented pattern of similar consumer complaints involving billing and cancellation issues, and inadequate dispute handling by Wells Fargo. I believe a fair resolution would include reversal/refund of the disputed charge and a proper reconsideration of the evidence and circumstances surrounding this transaction. I acted promptly, responsibly, and in good faith throughout the entire process and attempted repeatedly to resolve the matter directly with the merchant before involving my bank.

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 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: IN

Complaint narrative:
I am filing a complaint regarding a promotional cash bonus offer associated with an E * TRADE Bank account, now operated under Morgan Stanley. Before opening the account, I carefully reviewed all terms, eligibility requirements, limitations, and promotional conditions. Based on those stated requirements, I opened the account and deposited approximately {$25000.00}. I maintained the required balance for the full promotional holding period and complied with all published terms to the best of my knowledge. On the date the promotional bonus was expected to be credited, I instead received notice that my account was deemed ineligible. When I contacted customer service for clarification, I was informed only that my account was allegedly not in good standing. However, no representative was able or willing to provide a specific explanation, documentation, or citation to any term or condition that I violated. I find this extremely concerning. Consumers should not be encouraged to deposit substantial sums of money into accounts based on advertised promotional incentives only to have those incentives denied without transparency or a clear explanation. If there are additional unpublished criteria being used to deny customers after they have fulfilled the stated requirements, that practice appears deceptive and unfair. I am requesting : 1. A complete written explanation of why my account was deemed ineligible ; 2. Identification of the exact term or condition allegedly violated ; 3. A review of my eligibility based on the published promotional terms ; and 4. Payment of the promotional bonus if no legitimate basis exists for denial. I have retained records of the promotional offer, account activity, and communications related to this matter and am prepared to provide supporting documentation upon request. Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I noticed the debt on my credit. This debt is not mine and it is hurting my credit file. I would like for this to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I purchased a adjustable base with The store credit card they never delivered as said and refuse to give me my merchandise

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 2026-05-18 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: Block, Inc.
State: CA

Complaint narrative:
I have a Cash App account where money was continuously drained from my XXXX bank account and used online for social gambling casinos that were not done by behalf. I contacted their fraud department through their chat system on Cash App yet never got anywhere and the issue would always end up being that dispute timed out that they claim to try to get a hold of me yet they never did and complaints that did get filed correctly at that they accepted. They quickly denied them faster than it took me to even create the claim to be filed and did not take my disputes seriously, I have several emails and letters and documentation showing that these transactions that were fraudulently taken from my account were never authorized, and I feel that Cash App needs to be held responsible for their negligence on not maintaining my account and letting large quantities of money flip-flop between my account and an account that did not belong to me that I had no access to that was fraudulently created.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One credit card was stolen and used for unauthorized transactions without my permission. I did not make or authorize these purchases. I reported the card as compromised, but fraudulent charges continued to be processed and the account was later reported as delinquent and charged off. The negative reporting is the result of identity theft and unauthorized use, not legitimate activity by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I withdrew money from an atm that had an error and rebooted before dispensing my cash the cash was deducted from my account and has not been returned. Cashapp says they are doing an investigation but have provided misinformation. They advised it would be done in 24-48 hrs we are now past a week. They also advised they are reaching out to merchant I called and confirmed with merchant no attempt to inquire on the transaction has been made other than me calling. Cashapp has now said they will try to have an outcome wihh th in 10 business days but it can take up to 45 days te merchant confirmed if they had been in contact money would have been refunded. Cashapp closed dispute on my app and now I can only receive info when I call in but when I call no info is allowed to be given as the investigation team hasnt provided info.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
In correspondence to complaint # XXXX. I am requesting a debt validation letter from HUNTER WARFIELD INC. Also evidence is attached with Communication to XXXX XXXX upon moving out. I never received any communication prior to me reaching out to XXXX apartments nor have I received any information regarding my account being sold to a collection agency in XXXX. Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge this debt and request that you provide proper documentation to verify it. Please provide the following : * The name and address of the original creditor * The full amount of the alleged debt, including any fees or interest * Copies of any documents bearing my signature that show I agreed to this debt * Proof that your agency is authorized to collect on this debt * Proof that the debt is within the statute of limitations Until you provide proper validation, you must cease all collection efforts and communication with me regarding this matter. If you are unable to provide the requested validation, I request that you remove this account from my credit report and cease further contact. All future communication with me must be in writing. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
THIS IS A NEW COMPLAINT BASED ON RECENT COMPLIANCE ADMISSIONS AND NEW EVIDENCE. On XX/XX/year>, I received formal correspondence from XXXX in PayPal 's Office of Global Customer Complaints & Advocacy ( Ref : XXXX ). In this letter, PayPal explicitly admitted in writing that they " do not dispute that fraud by inducement exists '' and acknowledged I was " impacted by scam activity '' regarding {$17000.00} paid to an unlicensed entity operating as " XXXX XXXX XXXX '' ( XXXX XXXX ). Despite acknowledging the felony fraud ( Active Law Enforcement Ref : Case # XXXX ), PayPal denied my fraud claims based on a corporate technicality. PayPal stated that because the merchant provided unverified " utility bills '' and proof that the physical property had active electricity, " housing services were rendered. '' This logic is deceptive and financially abusive. A contract initiated by an unlicensed operator practicing real estate illegally is void from the beginning under Florida Statute 489.127. Furthermore, I have obtained definitive proof that the merchant never had the legal authority to manage or lease this asset : the exact townhouse is now actively listed and managed by a legitimate, licensed professional, XXXX XXXX XXXX XXXX XXXX XXXX . The merchant used PayPal 's infrastructure to run an illegal middleman scam, and PayPal is accepting her personal electric bills as justification to stick a consumer with a {$6400.00} debt. To make matters worse, PayPal is actively blocking my federal right to download my complete transaction and chat history, effectively holding my data XXXX so I can not hand a clean file to the State Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: MN

Complaint narrative:
I demand that your reinvestigation include a review of the following " wet-ink '' documentation : The Original Authenticated Contract : I demand to see a copy of the notarized contract between myself and NCB MANAGEMENT SERVICES that authenticates this specific debt and grants them the legal authority to report this data to my credit file. Validation of Debt : Pursuant to 15 U.S.C. 1692g, NCB MANAGEMENT SERVICES must provide a complete breakdown of the alleged debt, including the original principal and any subsequent interest or fees added, to prove the balance is 100 % accurate. Proof of Assignment : Provide the specific " Letter of Assignment '' or " Bill of Sale '' that legally transfers the rights of the original creditor to this third-party agency. Statutory Obligation : If you can not produce a notarized contract or the specific documents listed above that verify every data pointincluding the exact balance, date of first delinquency, and statuswithin the 30-day statutory window, you are in violation of federal law. In such an event, this account must be deleted immediately and permanently from my credit report. Failure to properly investigate this claim will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and potential civil litigation for non-compliance. I expect a corrected copy of my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XXXX Bank of America XXXX Student loan 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 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
Complaint Category Auto Loan / Vehicle Financing Company Complained Against XXXX XXXX XXXX American Credit Acceptance Complaint Narrative On XX/XX/XXXX, my husband and I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Maryland. The dealership informed us that only one lender, American Credit Acceptance, approved us for financing. We were placed into a loan with a 24.00 % interest rate. After the purchase, we discovered through written correspondence that other lenders, including XXXX XXXX and XXXX XXXX XXXX, had approved us under different conditions and submitted counteroffers to the dealership. XXXX XXXX specifically stated that the dealership requested financing amounts that were too high in relation to the vehicles value and included deal terms involving add-on products and other charges. These lender approvals and counteroffers were never disclosed to us before signing the contract. We believe the dealership intentionally withheld alternative financing information and structured the transaction to maximize profit through inflated financing amounts, add-on products, and high-interest financing through American Credit Acceptance. At the time of purchase, our credit scores were approximately XXXX and XXXX. We believe the 24 % interest rate was excessive and inconsistent with our credit profile. We also experienced significant vehicle defects immediately after purchase, including dashboard warning lights and braking issues. Although the dealership initially promised repairs under its dealer repair agreement, they later refused to complete the repairs and directed us to use an aftermarket warranty instead. We were forced to pay for safety-related repairs ourselves at XXXXXXXX XXXX XXXX XXXX . The dealerships conduct has caused substantial financial hardship, unnecessary repair expenses, and damage to our financial situation.

Company response to consumer: Closed with explanation