vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp closed my account over a month ago and I've been having my account since XXXX they still will not advise why they closed my account or why won't reopen account I advised them I can send my bank statements to prove my income and any additional documents needed and still no response I've called and have had 3 claims and they still have not contacted me or anything I keep having to call them and the representatives let me know that all the claims have been denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I would like capital one to fully proceed with my case as they instructed me on the PDF letter. They sent a letter which I have added to this email, says that my account is closed and they will send a closeout check after XX/XX/XXXX I want to remind them. This is taking longer than needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
This complaint references my original CFPB complaint # XXXX. The facts and requested resolution remain unchanged. I have held an Apple Card for several years with an excellent payment history and routinely pay the balance in full each month. My typical monthly payments are several XXXX dollars. On XX/XX/year>, I submitted a payment through the XXXX XXXX app intended to pay my Apple Card balance in full. The XXXX interface confirmed that the payment had been completed and did not indicate any error or problem at that time. See attachment AppleCard XXXX On XX/XX/year>, I received a notification stating that my payment had been missed. Upon investigation, I discovered that the payment had been scheduled from my XXXX XXXX account and had been declined due to insufficient funds. The transfer was not declined until XX/XX/XXXX, after the due date window had already passed. See attachment AppleCard XXXX Because the XXXX XXXX app confirmed that the payment had been completed, I had no reason to believe there was any issue requiring correction before the due date. As soon as I was notified of the declined transfer, I immediately paid the full balance from my checking account. The central issue in this complaint is not the account balance but the misleading confirmation and delayed notification within the XXXX XXXX payment interface. The system represented the payment as successfully completed and did not alert me to any problem until after the due date had passed, which resulted in interest charges being assessed. If the payment had been declined in real time or the interface had indicated that the payment was unsuccessful or pending verification, I would have corrected the issue immediately. Goldman Sachs prior response did not address this interface and notification issue and therefore did not resolve the underlying concern. I respectfully request that Goldman Sachs reconsider reversing the interest charges associated with this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I paid off my XXXX loan with Santander Consumer USA for {$28000.00}, the exact amount shown in the payoff letter they sent me dated XX/XX/XXXX. The letter said the payoff quote was valid for 14 days, through XX/XX/XXXX. I mailed my payment by priority mail on XX/XX/XXXX, and the check was cashed and cleared on XX/XX/XXXX. Even though they received and cleared my payment, Santander Consumer USA is still refusing to release the title ( pink slip ) to my car as of today, XX/XX/XXXX. After multiple attempts to call Santander Consumer USA, I encountered many inconsistencies. Each time, I was told the issue would be resolved within 10 days, and I was repeatedly transferred to different representatives. I called on the following dates : XX/XX/XXXX, XXXX, and XXXX, XXXX, and XX/XX/XXXX, and XXXX, XXXX, yet the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
Unauthorized charges on my debit card happened between XX/XX/XXXX and XX/XX/XXXX. I called the bank on XX/XX/XXXX to report fraud. I've followed up XXXX times since then, asking for an update on the claim and provisional credit under XXXX XXXX Each time they said they're 'still working on it, ' but no credit has been issued. The XXXX deadline for provisional credit is XX/XX/XXXX, and it's already past that. No real progress or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
" I am filing this complaint against Toyota Motor Credit Corporation regarding predatory and misleading financing on my XXXX XXXX ( XXXX ending in XXXX ). On XX/XX/year>, I was charged a high XXXX % APR. The dealer misrepresented my credit profile to justify this rate. My actual XXXX Score XXXX was XXXX ( categorized as 'XXXX ' by XXXX ) on XX/XX/XXXX, and is XXXX today. I was never provided the legally required Credit Score Disclosure Notice. Additionally, while XXXX has already acknowledged the cancellation of {$3500.00} in optional products ( Case # XXXX ), they have not corrected the interest rate. I demand a formal review of my credit tier and a rate reduction to match my actual creditworthiness. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX NC XXXX XXXX XXXX NC XXXX ] XX/XX/year> Re : Request for Account Verification To Whom It May Concern, I recently obtained a copy of my credit report and noticed an account that I do not recognize. Please verify the following account : Creditor Name : Account Number : Under the Fair Credit Reporting Act, I am requesting verification of this account, including documentation bearing my signature showing that I have a legally binding contract for this debt. If you can not provide such documentation, please remove this account from my credit report immediately. Please send me written confirmation of your investigation results. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have a XXXX with my hands. I attempted to log into the online banking system. I was prompted to change my cards design. I browsed the design catalog. I accidentally tapped on a random design and my order was placed. The website failed to ask for confirmation of changes before the change was made. The order was instant. Now I dont have a debit card because they had to be deactivated. If the system had one additional step before comfirmation, of asking are you sure, this would be very beneficial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Processing Solutions, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding an incorrect debt collection notice related to a XXXX XXXX toll violation that was already paid. Timeline of Events XX/XX/XXXX I received a XXXX XXXX notice for two toll violations. XX/XX/XXXX I paid the violations, in full, in the amount of {$52.00} via XXXX debit from my bank account on XX/XX/XXXX. The payment was successfully withdrawn from my account, and I have attached supporting documentation confirming the transaction. XX/XX/XXXX On XX/XX/XXXX, I added {$25.00} to my XXXX XXXX account as a reload payment. This payment was also successfully debited from my bank account, documented proof attached. XX/XX/XXXX Despite both payments being successfully processed through my bank : - My XXXX XXXX account was never credited for the {$25.00} reload and still reflects a $ XXXX balance. - The XX/XX/XXXX violation payment is not reflected in the system. I recently received a Notice of Assignment to a Collection Agency stating that the toll violation had been assigned to Professional Account Management , LLC ( PAM ) for collection. Attempt to Resolve I contacted XXXX XXXX through their online chat support to address the issue. The representative stated that : - They did not receive my reload payment and the last payment they received was on XX/XX/XXXX, which is incorrect. - They do not see the XX/XX/XXXX violation payment. - They also do not see the XX/XX/XXXX reload payment. At the representatives suggestion, I submitted a formal case through the XXXX XXXX / SRTA customer support system, with documented proof of payments, to have the payments reviewed and applied. However, the case was rejected the same day it was submitted, without resolving the issue or properly applying the documented payments. Both of these payments were successfully debited from my bank account, and I have documentation confirming the transactions. Despite these payments being made, the violation was improperly sent to collections. Consumer Harm As a result of this failure to properly credit payments : - I received a collection notice for a debt that has already been paid. - My XXXX XXXX account balance is inaccurate. - I am being forced to dispute an issue caused by incorrect payment posting or internal recordkeeping errors. Submitting an already-paid debt to collections is extremely concerning and should not occur when payment confirmation exists. Documentation Attached : - Proof of XXXX debit for the XX/XX/XXXX toll violation payment - Proof of XXXX debit for the XX/XX/XXXX XXXX Pass account reload - Screenshot of XXXX XXXX account showing incorrect balance - Copy of the Notice of Assignment to a Collection Agency - Screenshot of XXXX XXXX Representative chat correspondence - Rejection Email from 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 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Rocket Mortgage purchased my Loan from XXXX. The did a " survey '' unbeknownst to me that they added a charge of {$490.00} to my loan for said survey. This was unauthorized & never discussed with me. I asked for proof that this can me done without my consent based on my original contract. Consent was never given. In XXXX of XXXX I had a survey done to which I needed for upgrades to my home. This was already paid for out of pocket by me. Had they asked, they could have gotten an updated survey for no cost. This needs to be removed from my current loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
* * Subject : * * Formal Complaint Unauthorized Transfers and Improper Fraud Claim Denial I am submitting this complaint regarding unauthorized transfers totaling * * {$3900.00} * * from my Chime account after my * * mobile phone was stolen * * dispute # XXXX. Shortly after the theft, an unknown individual accessed my Chime mobile application and initiated multiple transfers to other Chime accounts * * without my authorization * *. These receiving accounts are identified in the * * police report * * that I provided to Chime. I * * reported the fraud immediately * * and submitted all requested documentation, including the police report. However, Chime denied my claim stating that no error occurred because the transfers were initiated from a device with my account information saved. Under the * * Electronic Fund Transfer Act and Regulation E * *, a transaction initiated by a third party using a * * stolen device or compromised credentials is not considered an authorized electronic fund transfer * *. A financial institution must conduct a * * reasonable investigation * * before denying such a claim. Chimes denial appears to rely solely on the fact that the transactions originated from a device associated with my account rather than evidence that * * I personally authorized the transfers * *. This does not satisfy the investigation standards required under Regulation E. I am requesting that Chime and its partner bank * * reopen the investigation * *, review the receiving Chime accounts identified in the police report, and provide the documentation relied upon to deny my claim. I respectfully request reimbursement of the * * {$3900.00} in unauthorized transfers * * and confirmation that the investigation has been conducted in compliance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am formally disputing the {$1600.00} deficiency balance on my lease with Ally Financial. I am asserting a Total Failure of Consideration and a claim for restitution under the FTC Holder Rule ( 16 C.F.R. 433.2 ) .Basis for Claim : Unsafe and Unmerchantable Vehicle This brand-new vehicle was out of service for 274 days of my 36-month lease ( approximately 25 % of the term ) due to life-threatening safety recalls, specifically : Increased Risk of Fire ( Recall XXXX ) Engine May Stall ( Recall XXXX ) The manufacturer failed to remedy these defects across 7 separate repair attempts, as documented by the attached service history and internal reprogramming logs. Because Ally Financial failed to provide a safe, merchantable vehicle for a significant portion of the lease, I am demanding the following : 1. Immediate waiver and zeroing out of the {$1600.00} deficiency balance. 2. A cash refund of {$6800.00}, representing my monthly payments of {$750.00} made while the vehicle was unusable. The total amount sought from Ally Financial is {$8400.00}. I have exhausted private remedies, including a bad-faith 'ineligible ' finding from XXXX arbitration. I demand an immediate freeze on all negative credit reporting related to this lease during the pendency of this federal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I went into the XXXX store in XXXX XXXX on XXXX XXXX. to use my credit card to obtain a item for my apartment and upon trying to purchase it, they sent me to the XXXX department. When I went to the finance department they asked me to run a XXXX credit inquiry on my credit report in order to reactivate my account. The lady XXXX give me any more information so I waited until today, Saturday XX/XX/XXXX to call customer service. The XXXX department told me that they had deactivated my account because I had XXXX late payment last month and because the credit bureau had provided negative information to them. Then she went on to tell me that in order to reactivate my account, I would have to submit authorization for them to run a XXXX credit inquiry on my credit report. I was immediately frustrated because a XXXX inquiry will only damage my credit more and to have that run for a company that I have an active credit card opened with makes no sense. They are only damaging my credit report more so by acting like XXXX opening a new account when that isnt the case. They also never told me about any account deactivation and the representative said she wasnt sure why they dont alert the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I am submitting this complaint regarding payment processing issues on my XXXX XXXX credit card account issued by Comenity Bank. Several payments I made were initially accepted and posted but later reversed and marked as returned payments. Due to these reversals, late fees, returned payment fees, and interest accumulated despite my good-faith attempts to pay. My bank, XXXX XXXX XXXX XXXX XXXX, confirmed funds were available, and similar payments had processed successfully before. In XXXX, I contacted the company, and they said an investigation was ongoing and I would receive a follow-up letter, but none came. In late XXXX, I sent another letter requesting written clarification due to receiving unclear calls. After that, the calls stopped, but I received no written explanation, and fees continued. In the last XXXX weeks, they began calling a family member instead of directly resolving the matter with me. As a result, the balance grew due to fees and interest, not new purchases. Despite certified mail, the issue was unresolved. I request removal of fees, correction of the balance, and correction of any negative credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RockLoans Holdings LLC
State: TX

Complaint narrative:
I did not apply for these loans. They were fraudulently taken from my account. These have been closed without sending a XXXX to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
I received messages from chime about money being placed back into my account. I haven't yet received it and it's past the date chime gave me. I would like that XXXX be placed back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am a homeowner attempting to refinance an existing mortgage to a lower interest rate. My new lender has fully cleared my file for closing with a final appraisal of $ XXXX. However, my current servicer, Rocket Mortgage, is intentionally obstructing the process by withholding the NY XXXX ( Mortgage Assignment ) documents. Key facts of the misconduct : On XX/XX/year>, I requested the XXXX XXXX XXXX. For over 20 days, Rocket Mortgage remained automated-responsive with no human response despite multiple follow-ups by my new lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and me. On XX/XX/year>, after I filed a state-level complaint ( DFS ), Rocket Mortgage issued a formal letter today stating they may not even respond to my inquiry until XX/XX/year>. Rocket is using a XXXX " automated investigation period '' as a pretext to hold my loan hostage. This delay is causing me a daily financial loss of {$150.00} ( interest gap and rate lock extension fees ). If this delay causes my 5.000 % rate lock to expire, I face over {$180000.00} in long-term interest damages. Rocket is attempting to deflect responsibility by pointing to the " Note Holder '' ( XXXX ) and " Owner '' ( XXXX XXXX ), despite Rocket being the authorized Servicer with the sole duty to execute this assignment. This is an Unfair, Deceptive, or Abusive Act or Practice ( UDAP ) designed to extract extra interest from a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: MN

Complaint narrative:
In XXXX XXXX, unauthorized credit card transactions were processed in XXXX totaling {$460.00}. These transactions began XX/XX/year> and continued through XX/XX/year>. During this time I was traveling internationally from XX/XX/year> to XX/XX/year>, with documented travel only in XXXX ( XXXX ), XXXX, and XXXX. I was never in XXXX and retained possession of both physical credit cards at all times. Several of the disputed transactions occurred after my return to the United States. I promptly reported the charges to the bank and cooperated with the fraud investigation. The bank denied the claim stating only that the card was present in XXXX. I did not provide or authorized anyone my Credit Card. My appeal was also denied, and the bank refused to allow arbitration. Independent records, including travel itineraries, passport stamps, telecommunications records, and ride-share activity logs, confirm that I was not in XXXX when the transactions occurred. I am requesting reversal of the unauthorized charges and disclosure of the evidence relied upon in denying the claim.

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 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
A collection account from Jefferson Capital LLC for approximately {$510.00} recently appeared on my credit report and is reported as relating to an XXXX loan allegedly opened on XX/XX/year>. The consumer has no knowledge of this account and did not open or authorize any XXXX loan on that date. This account is being disputed because it is not recognized and there has been no prior communication or validation of the alleged debt. The consumer has never received documentation showing the original loan agreement, the merchant involved in the purchase, or proof that this account was opened or authorized. We request full validation of this debt, including the original XXXX loan agreement, the merchant and purchase details, and documentation showing that the consumer authorized this account. If the company can not provide verification that this debt belongs to the consumer, the collection account should be removed from the credit report immediately.

Company response to consumer: Closed with explanation