vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
I made an online pick up in the store purchase at XXXX in XXXX Maryland on XX/XX/XXXX that totaled {$82.00}. Within a few hours of me placing the order, they notified me that half of the order was not available and they canceled half of the order and processed the remaining XXXX items and the new total is XXXX which got updated immediately and the remaining items were refunded to my card at that time as well. As seen in the screenshots of my XXXX account. That was on XX/XX/XXXX. Were in a couple of days. I started inquiring with XXXX why I hadnt seen the refund yet and they kept assuring me that they had processed it and they didnt know why this continued and continued and finally they said we have no idea we processed the refunds on the XXXX and they gave me a letter to give XXXX cash app with my card issue that the total should be {$47.00} and not XXXX and that they had processed that payment for XXXX in a refund of the rest on XX/XX/XXXX. See attached letter sent to me by XXXX earlier this week. I submitted a dispute through Cash app saying that the amount of the charge should be XXXX and I submitted the letter from XXXX confirming that. Cash app denied the dispute which is ridiculous because XXXX is the one that processed the refund in the charge! How could Cash App refuse that! Plus, why is Cash app still holding {$82.00} of my money when XXXX confirms that they updated the total to be XXXX on XX/XX/XXXX over a week ago! But more importantly, how could Cash app deny my dispute when its right there in writing from XXXX that the total should be XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and failure to resolve a payment processing issue on my Macys credit card ( Citibank/CBNA ). This account has been open since XXXX with no prior late payments. In XXXX and XX/XX/XXXX, payments did not process correctly due to a processing online servicing issue when making payments in which I was not notified. During that time, I contacted the bank to report and resolve the issue, but it was not corrected. Despite my attempts to address this in real time paying off my entire balance to show good faith, the XXXX late payments were reported. These late marks are inaccurate because they resulted from a payment processing failure and the banks failure to resolve the issue when notified. I disputed this with the credit bureau, and Citibank verified the information as accurate without addressing the servicing failure or my prior attempts to resolve it. I am requesting : A full investigation of payment processing records, my call logs, paper mail and/or emails notifying me from XXXX XXXX Removal of the inaccurate late payments Correction of all credit bureau reporting This reflects a failure to properly investigate and correct known account errors.

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 non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have both Personal and Business Checking/Savings accounts with Citi Bank . It has been now 5 business days that my account has been locked and un accessible. Everyday their customer service provides the same response, that the account is under review and they have no further information. I wish to remove my funds and close my 35 year relationship with them immediately.

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 non-monetary relief
Consumer complaint received 2026-04-02 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: Chime Financial Inc
State: CA

Complaint narrative:
I kept trying to tell chime that the person scammed me out of {$410.00} and they kept denying it like I sent the documents to show proof of what happened and they just kept Denying it and I need this resolved and my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, I purchased a display screen on XXXX for {$260.00}. Both the seller 's profile and the product listing clearly indicated that the model number was XXXX. However, when I received the shipment, I was sent a cheap, inferior XXXX XXXX. It is essentially like wanting to buy XXXX XXXX but receiving a generic, no-name shirt instead. The actual item received was in severe discrepancy with the product description. I subsequently filed a dispute regarding this charge with my bank ; however, the bank ruled in the seller 's favor. Left with nowhere else to turn, I have come herearmed with all my evidenceto continue pursuing this complaint! I intend to defend my rights and get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I sent certified letter to XXXX about a medical debt via Certified Mail to Validate debt. Letter was sent on XXXX with no response from the company. Also called XXXX for validation of debt and to provide me with their legal right to collect debt. They told me they can not provide proof the debt is mine and provided me with no information per my request. I used XXXX and tried to dispute the debt but nothing was done. I still have not received any written proof that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRING OAKS CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL XXXX 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CarMax, Inc.
State: CT

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX XXXX from CarMax in XXXX XXXX, Connecticut in XXXX with approximately XXXX miles. Shortly after the purchase, the vehicle began experiencing mechanical issues. In XX/XX/XXXX, I first brought the vehicle to a XXXX dealership for service. The issues were not fully resolved and continued over time. Later, between XX/XX/XXXX and XX/XX/XXXX, the vehicle was in the shop for over XXXX months under warranty and required a rental vehicle during that time. The vehicle continued to experience problems involving the engine, oil pump system, and transmission. In XXXX, additional repairs were performed at a XXXX dealership in XXXX, Connecticut, and towing was required. In XXXX, the vehicle experienced major engine issues, including oil pressure problems. A XXXX dealership documented that the condition could lead to engine XXXX and increased risk of a crash. The vehicle required a full engine replacement costing {$6500.00}, along with additional repair costs of {$560.00}. Due to repeated mechanical failures, I incurred approximately {$2100.00} in towing expenses and {$12000.00} in rental vehicle costs. Despite multiple repair attempts ( at least XXXX ), the check engine light continues to return, and the vehicle remains unreliable. I initially brought the vehicle to CarMax while it was under the XXXX extended warranty and followed their instructions to take the vehicle to a XXXX dealership for diagnostics and repairs. However, the issues were never properly resolved. I contacted CarMax Customer Relations multiple times to request assistance. The only option offered was a vehicle appraisal, which does not address the repeated mechanical failures or the financial losses incurred. CarMax Auto Finance continues to hold me financially responsible for the vehicle despite the ongoing defects and unresolved issues. I have also filed complaints with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau, but the matter remains unresolved. I am seeking a resolution that addresses the ongoing mechanical issues and the financial losses associated with this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am submitting this complaint regarding unauthorized transactions on my Chime account that occurred between approximately late XX/XX/XXXX and early XX/XX/XXXX. During this time, multiple transactions were made from my account that I did not authorize, initiate, or benefit from. I reported these transactions to Chime promptly after discovering them. I have reason to believe that my financial accounts and/or mobile device were compromised during this period, which allowed unauthorized access to my account. Chime denied my dispute ; however, I was not provided with a detailed explanation of how the transactions were determined to be authorized or what specific investigative steps were taken. I am requesting that Chime : Conduct a thorough and good faith investigation of all disputed transactions Provide a clear explanation of how the transactions were determined to be authorized Provide any available supporting documentation, including login history, device access, IP address data, and authentication methods used Reimburse all unauthorized transactions These transactions represent a significant financial loss, and I am seeking a fair resolution based on a complete review of the account activity. I am willing to cooperate and provide any additional information needed to assist in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NEWREZ is my mortgage institution, loan # XXXX. I had a automatic monthly payment set up of {$2500.00}. Suddenly they came out with a different payment amount and different date, even that I called them several times they could not wait until the date of the set up payment to be honored. NEWREZ reported a late payment to the credit report agencies without a reason. Filed a dispute with the credit bureau agencies trying to restore my credit score.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year>, I was defrauded out of {$300.00} through my Chime account. Scammers had hacked the verified XXXX page of the XXXX Animal Shelter ( XXXX XXXX, VA ) and posed as shelter staff to collect deposits for a puppy. I sent XXXX payments totaling {$300.00} via Chime to the scammers ' Chime accounts. When I contacted Chime to report the fraud and request a refund, they refused to investigate or assist in any way. A police report was filed with the XXXX XXXX XXXX XXXX XXXX, incident number XXXX. The XXXX XXXX XXXX XXXX Office has publicly confirmed this as a fraud scheme and issued a community scam alert. Chime XXXX failure to investigate or provide any remedy for a documented, police-reported fraud case has caused me significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
I'm dealing with chime, and first I paid off my loan early but never received another offer from them when I expected one, but when I tried to asked them they said I should wait 15 days before I would here from them, that I didn't make a mistake paying my loan off early. I suspected that I have to wait till my loan due date was here about three months away, but they assured me that that wasn't the case. We'll its been about 30 days and they have not done anything like the said they was going to do.so I told them I was upset and was going to be taking my services somewhere else. Now I highly suspect retaliation on there part.today was going to be my payday and I'm getting notifications that they have not received anything from my employer. I have numerous freands at work with chime, and they all got paid.i fear tomorrow morning I'll receive the same notification but with my employers pay stub stating what I already know. They have paid me but chime is not processing it and putting me in a uncomfortable situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Medical Data Systems reported a {$720.00} medical collection to my credit report from an emergency room visit. I previously disputed this account with the credit bureaus, but the dispute was denied without proper validation. I have not received an itemized bill or full verification of this debt from Medical Data Systems or the original medical provider. I am requesting documentation showing the original provider, date of service, and itemized charges for this alleged debt. If the debt can not be properly validated, I request that this collection be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Complaint Summary : I am filing a complaint regarding a savings account transferred from XXXX XXXX Citizens Bank in mid XX/XX/year>, which has resulted in ongoing, unjustified fees and an inability to access or close the account despite repeated efforts. Details of the Issue : In XX/XX/year>, XXXX transferred over {$800.00} from my account into a newly created Citizens Bank savings account. From the time of transfer, the account has been functionally unusable. - The account does not allow withdrawals, transfers, or any form of transaction activity. - I have been unable to link external accounts or otherwise move funds despite multiple attempts and calls to customer service. - The account has incurred a XXXX XXXX monthly maintenance fee due to inactivityactivity that I am unable to initiate given the accounts restrictions. - Over approximately XXXX years, I have been charged more than {$240.00} in fees on an account I can not access or use. Additionally : - The Citizens Bank website provides no clear or accessible instructions for closing a savings account. - There are no physical Citizens Bank branches in XXXX, preventing in-person resolution. - Customer service representatives have repeatedly been unable to resolve the issue and have instructed me to send written requests to close the account after hour plus long wait times. - I have sent written request to the provided address, yet the account remains open. Additional Concerns : - The interest rate on the account was reduced to a negligible level ( approximately one-tenth of a percent ). - At no point during the XXXXXXXX-Citizens transfer process was I given a meaningful opportunity to opt out, dispute, or select an alternative account. - I have identified multiple other consumers reporting similar issues following this transfer, suggesting a broader systemic problem. As a tech-savvy anesthesiologist, I am well-equipped to navigate standard banking systems. My inability to resolve this issue despite extensive efforts underscores the severity of this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klarna AB
State: NV

Complaint narrative:
Company Name : Klarna Inc . Issue : Improper handling of a dispute / Fraudulent Merchant Activity Statement of Facts : I am filing this complaint against Klarna for multiple violations of federal consumer protection laws and the CFPBs May 2024 Interpretive Rule regarding Buy Now, Pay Later ( BNPL ) providers. 1. Failure to Investigate " Services Not Rendered '' I am being financed for a {$2000.00} job placement program with " Customer Success Club '' ( processed by Klarna under the deceptive name " XXXX '' ). Immediately after I made a refund inquiry, the merchant revoked my access to the platform, community, and materials. I am currently being forced to pay for a service that has been intentionally withheld. Under Regulation Z, Klarna has a legal mandate to investigate " Services Not Rendered '' disputes, which they have refused to do. 2. Enforcement of an Unauthorized/Unsigned Debt ( Nevada NRS 97B.110 ) As a resident of Nevada, I am protected by NRS 97B.110, which requires a signed consumer contract for credit transactions. No contract or Terms of Service were ever presented at time of sale nor signed. Klarna is attempting to collect on a debt that is legally void and unenforceable in my state. 3. Deceptive Merchant Practices and Abandonment I have provided Klarna with evidence of " Bait and Switch '' advertising ( ads promising " Pay {$0.00} until you land a role '' vs. an immediate {$2000.00} charge ). Furthermore, the merchant has abandoned the transaction ; their primary email domain XXXX ) has been deactivated and my legal demands are bouncing. 4. Active State Attorney General Investigation The Nevada Attorney General has opened a formal investigation into this matter ( Case # XXXX ). Despite being notified of this active fraud investigation, Klarna refuses to freeze my account or reverse the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I am disputing a {$3500.00} balance for Empire Beauty School ( Groups XXXX XXXX XXXXXXXX ) held by Nelnet. This debt was paid in full privately ( {$7000.00} on XX/XX/year> ) and I have an official school ledger proving a {$0.00} balance. My XXXX XXXX loans were already discharged via XXXX XXXX, but these duplicate " ghost '' loans remain on my account due to a school reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
On or about XX/XX/3031, the servicer completed a transaction reflected in its own records as a Principal Payoff of {$350000.00} together with a principal adjustment of ( {$35000.00} ), indicating that the loan balance of approximately {$380000.00} was resolved through a payoff and partial debt cancellation. This transaction corresponds to a short sale of the property. However, I was never informed that a short sale would occur, I did not authorize any such transaction, and I did not sign any documents approving a short sale or transfer of the property. Despite this, the servicer proceeded with the transaction and later issued a Form XXXX reflecting cancellation of debt for IRS purposes XXXX The property is valued at over {>= $1,000,000}, yet the transaction reflected a payoff of approximately {$350000.00} without my knowledge or participation. This raises serious concerns regarding unauthorized activity, lack of consent, and the validity of the transaction reflected in the servicers records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX is a XXXX and was appointed a Representative Payee by the Social Security Administration. This account was opened after I was appointed as Representative Payee, at a time when XXXX XXXX was not managing his own financial affairs and lacked the capacity to independently enter into financial agreements. XXXX XXXX ' Representative Payee, XXXX XXXX was not involved in or aware of this transaction.

Company response to consumer: Closed with non-monetary relief