vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
For the past XXXX years I have, personally and separately apart from my mortgage payment, paid my own XXXX property taxes. As of XX/XX/year>, without my permission, authorization, or knowledge, NewRez contacted the New York XXXX Department of Finance and arranged for my property tax bill to be sent directly to NewRez. They then put my mortgage payment into an escrow account and paid my taxes with that money instead of making the full payment to my mortgage as has been the practice for the past XXXX years. I paid my XX/XX/year> quarterly property tax payment directly to the XXXX XXXX. of XXXX, as I have for the past XXXX years of this mortgage. I did not get my XXXX XXXX. of XXXX XXXX XXXX bill because NewRez had it sent directly to them and they paid the taxes taking the money out of my mortgage payment, so I then appeared to be late on my mortgage payment. I DO NOT want NewRez to pay my taxes. I want to pay them myself directly to the XXXX XXXX. of XXXX. I called NewRez to request this on XX/XX/year>. I faxed a letter to NewRez on XX/XX/XXXX, to request the escrow account be deleted and it was denied. I opened an online account with NewRez and they again denied it on XX/XX/XXXX. On XX/XX/XXXX I called the NewRez Property Tax Dept. to request the escrow acct. be deleted and they sent me a letter dated XX/XX/XXXX denying my request.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I filed a dispute for 'Services Not Rendered ' against XXXX XXXX for XXXX {$200.00} baggage fee. The airline 's system failed, I missed my flight, and the airline admitted in writing that my baggage fee did not transfer, effectively keeping my money without providing the service. '' " Cash App violated Regulation E by failing to conduct a reasonable investigation. As shown in their denial letter dated XX/XX/year>, Cash App improperly investigated this as an 'Unauthorized Transaction ' ( fraud ) rather than 'Services Not Provided. ' They ignored all my attached written evidence from the merchant admitting the service was not rendered and that they forced a store credit against Visa rules. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX. I was trying to apply the SCRA to reduce my interest rate from XXXX XXXX Im in the state of Louisiana where every company honors SCRA even if you got the loan after enlisting. Sent the correct documents got a lawyer to send a letter and they still wont honor it

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 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding improper handling of an alleged debt by a property management company and its associated collection practices. I was never provided proper written notice or validation of the alleged debt prior to any collection activity. The debt was reportedly sent to collections without me receiving required notification or an opportunity to dispute the charges. When I attempted to obtain information regarding the account, I was told that the male associated with the account would need to appear in person before any information would be provided. This prevented me from accessing information about my own account and created a barrier to communication. I then told them that I was transgender and the representative XXXX kept putting me on hold I guess to figure out what to say to me. They also hire maintenance workers that take advantage of tenants. Before moving out my tv caved in due to incorrect mounting and the maintenance worker saw it and gave me a price on the side to fix it. He then fixed it and the property is still charging me for the same exact thing. The company now claims the notice was sent via USPS but can not provide tracking, proof of delivery, or mailing confirmation beyond verbal assertion. I am requesting : 1. Full validation of the alleged debt 2. Proof of mailing and delivery of any required notices 3. Itemized breakdown of charges 4. Explanation of why account information was withheld based on identity assumptions 5. Removal of any attempt to collect or report the debt until proper validation is provided I believe this reflects improper debt collection practices and failure to follow required notice and verification standards.

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 2026-04-30 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am submitting a formal complaint regarding a fraud claim with Truist Financial that was improperly denied. My debit card was fully stolen, and unauthorized transactions totaling {$2200.00} were made without my knowledge or consent. These transactions were conducted in another state where I was not physically present. I did not authorize any of these transactions and had no involvement in them. * Dispute filed : XX/XX/year> * Claim denied : XX/XX/year> ( within XXXX days ) On XX/XX/year>, I contacted Truist to : XXXX. Request the evidence used to deny my claim XXXX. Request a reinvestigation During that call, a female representative informed me that : * My claim was still being looked into * A reinvestigation could not yet be done * I would receive provisional credit on XX/XX/year> However, as of XX/XX/year>, I have now been told : * My request for reinvestigation can not be completed * I must wait for documentation of the evidence used in the denial * I have not received the promised provisional credit This is inconsistent and concerning. I was given conflicting information, and the investigation appears to have been both incomplete and prematurely denied. Additionally, it appears that proper error resolution procedures were not followed, including providing a reasonable investigation, consistent communication, and timely provisional credit where applicable. Under Regulation E, I have the right to : * A thorough and reasonable investigation of unauthorized transactions * Access to documentation used in the decision * Protection from liability for transactions made after my card was stolen I am formally requesting : 1. A full reinvestigation of my fraud claim 2. Immediate provisional credit while the investigation is ongoing 3. All documentation and evidence used to deny my claim 4. A refund of the {$2200.00} in unauthorized transactions The transactions were not authorized, occurred in a different state, my card was stolen, and I have made multiple attempts to resolve this directly with the bank. If this matter is not resolved promptly, I am prepared to pursue further escalation, including continued regulatory complaints.

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 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: TX

Complaint narrative:
I purchased a newly built home from XXXX XXXX and have experienced XXXX major flooding events within the first XXXX years of ownership. Despite the home being new construction, the builder has not properly accepted responsibility for the second flood event, related repairs, and resulting damages. There are ongoing concerns regarding water intrusion, drainage failures, possible plumbing issues, and broader concerns involving electrical systems and overall construction quality. The repeated flooding has created substantial financial damage, repair costs, disruption to the home, and concern about long-term structural integrity and safety. Because this is a relatively new build, these issues should fall within builder responsibility, warranty obligations, and construction defect protections. I have requested proper review and repair support, but the warranty claim for the second flood and related damages has not been meaningfully resolved. I am also concerned that the home may require a full independent inspection due to the flooding history and unresolved concerns involving water, electrical systems, and construction quality. Additionally, access to my mortgage account and supporting documents through XXXX XXXX online portal has been restricted or XXXX during this dispute. This has limited my ability to review statements, escrow analyses, payment history, and warranty-related documentation tied to the property. This lack of access has made it more difficult to respond to the servicers requests, verify account activity, and resolve both the servicing dispute and related property issues in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Issue : Synchrony Bank approved me for a Customer Assistance Plan ( CAP ) but has repeatedly failed to provide the required documentation. I have requested the CAP agreement multiple times, and Synchrony has refused to provide it electronically, even though they have emailed other account documents to me. The plan become into affect on XXXX XXXX and I have yet to receive the documents via mail or email. Called Synchrony 3 times between XXXX XXXX. Details : I was approved for a Customer Assistance Plan on my Synchrony account. Synchrony stated that a CAP letter would be mailed to me. I never received it. I contacted Synchrony several times, and each time I was told the letter would be mailed again. It never arrived. During my most recent call, I escalated to a secondlevel supervisor. I requested the CAP documentation electronically because Synchrony has already emailed other account disclosures to me, including my settlement agreement. Despite this, the supervisor stated they can not email the CAP letter and refused to escalate me to the Records/Document Retrieval department XXXX I was told I must wait another XXXX days for a mailed copy, even though previous mailings never arrived. The supervisor also refused to provide access to my account records when requested and declined to escalate the issue further. Why I am filing : I am entitled to copies of all account records, including the CAP agreement that was approved on my account. Synchrony has repeatedly failed to provide the document and is refusing to send it electronically despite having the ability to email other account disclosures. I am simply requesting access to my own account documentation.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am reporting a fraudulent credit card transaction and an incomplete resolution by Bank of America. On XX/XX/year>, I was the victim of a coordinated fraud attack. I received hundreds of unsolicited email signups ( an email XXXX attack ), which obscured legitimate transaction emails. At the same time, Bank of America sent me a fraud alert regarding a charge at XXXX XXXX XXXX XXXX. I immediately responded that I did not authorize the transaction. While reviewing my email, I located XXXX receipts from XXXX XXXX XXXX with this incident : XXXX single-day tickets totaling {$700.00} XXXX all-day dining packages totaling {$330.00} Both transactions : occurred at the same time were from the same merchant were part of the same purchase event used my name and billing address without my authorization I did not make these purchases, nor did I authorize anyone else to do so. I promptly reported both charges to Bank of America. They issued a provisional credit and opened an investigation. On XX/XX/year>, I was notified that Bank of America determined that the {$700.00} ticket charge was fraudulent and refunded it but denied my claim for the {$330.00} dining charge. This decision is inconsistent and incorrect. The ticket purchase and dining package were clearly part of the same fraudulent transaction. They were purchased together, at the same time, from the same merchant, and delivered in the same confirmation emails. There is no reasonable basis to treat XXXX as fraud and the other as authorized. The merchant provided digital tickets issued for the same day, which is consistent with known fraud patterns involving immediate-use purchases. The explanation that my name and address were used does not demonstrate authorization. My personal information has been exposed in prior data breaches, and fraudsters commonly use stolen personal data to pass verification checks. Additionally, the simultaneous email XXXX attack strongly indicates a coordinated fraud attempt designed to conceal these transactions. I attempted to resolve this directly with XXXX XXXX XXXX XXXX, but they informed me they can not assist due to the chargeback process. I have also attempted multiple times to contact Bank of America to reopen the investigation but have been unable to reach a representative due to call disconnections. I am requesting that Bank of America : Reopen the investigation Recognize the {$330.00} dining charge as part of the same fraudulent transaction Issue a full refund for the remaining fraudulent charge I am not responsible for these unauthorized transactions under the Fair Credit Billing Act, and I am seeking a complete and consistent resolution.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
chase closed my business account and want give me my money back that i had left in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I visited a Wells Fargo branch in person to close my checking account. Despite having no pending transactions or outstanding balances at this time, the bank refused to close my account, claiming they could not do so due to " scheduled activity '' in the future. I find this response to be incredibly dishonest and unprofessional. It feels as though the bank is intentionally making it difficult for me to end the relationship. There are currently no pending items on my account, and I have clearly stated my desire to terminate all business with them immediately. Forcing a customer to keep an account open against their will is an unacceptable business practice. I am deeply disappointed by Wells Fargo 's lack of sincerity and their obstructive behavior. I demand that my account be closed immediately and that I receive a formal closing confirmation via mail or email.

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 2026-04-30 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: OK

Complaint narrative:
On XX/XX/year> at XXXXpm XXXX there was a fraudulent charge in the amount of {$280.00} that was approved and over drafted my account, On XX/XX/year> at XXXX pm XXXX there was a fraudulent charge in the amount of {$280.00} that was declined, On XX/XX/year> at XXXX pm XXXX pm est there was a fraudulent charge in the amount of {$180.00} that was declined. On XX/XX/year> at XXXX pm XXXX I saw the notifications on my phone and immediately called chime support to report these as fraudulent, they refused to cancel the pending {$280.00} charge and wouldn't even acknowledge the other charges saying they wouldn't worry about them because they were " declined '' They have since denied my dispute regardless of the evidence I have sent them showing I don't even have an account with the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
FDCPA VIOLATIONS - COLLECTION EMAILS DURING VALIDATION FREEZE On XX/XX/year>, XXXX Collections received my debt validation request via XXXX XXXX Mail ( tracking # XXXX ) regarding XXXX accounts totaling {$6700.00}. Under 15 USC 1692g ( b ), debt collectors must CEASE all collection activities upon receiving a validation request until they provide proper verification. Despite receiving my validation request, XXXX Collections has sent me XXXX collection emails attempting to collect these debts : XXXX. XX/XX/year> ( XXXX hours after receiving my letter ) XXXX. XX/XX/year> ( duplicate email for second account ) XXXX. XX/XX/year> XXXX. XX/XX/year> ( duplicate email for second account ) XXXX. XX/XX/year> XXXX. XX/XX/year> ( duplicate email for second account ) XXXX. XX/XX/year> XXXX. XX/XX/year> ( duplicate email for second account ) XXXX. XX/XX/year> XXXX. XX/XX/year> ( duplicate email for second account ) XXXX. XX/XX/year> XXXX. XX/XX/year> ( duplicate email for second account ) XXXX. XX/XX/year> XXXX. XX/XX/year> ( duplicate email for second account ) XXXX. XX/XX/year> XXXX. XX/XX/year> ( duplicate email for second account ) Every single email : - Explicitly states : " This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose '' - Demands payment or offers settlement options- Includes call-to-action buttons such as " Pay My Balance, '' " Request Settlement, '' " See My Options '' - Was sent AFTER they received my validation request requiring them to stop IMPACT : - 16 violations of 15 USC 1692g ( b ) - Statutory penalties : {$1000.00} per violation = {$16000.00} total - Penalties exceed the debt amount by over 100 % This is not an isolated error. This is a pattern of systematic, flagrant disregard for federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. Phone number : XXXX Email : XXXX Cash App username : $ XXXX I am submitting this complaint because I have been unable to access and properly use my money through Cash App for almost two months, and the company has completely failed to provide any real resolution, explanation, or timeframe. The issue originally started approximately two months ago. Since then, I have contacted Cash App support repeatedly through in-app chat support and by phone. I have followed every instruction they gave me, provided my email address multiple times, verified my identity, and continuously asked for updates regarding my account and access to my funds. The only response I continue receiving from Cash App is that a specialized team is supposedly reviewing my case and that I should wait XXXX business days for an email update. I have now been told this same thing for nearly two months straight. The only actual information they provided me was a case number : Case XXXX XXXXXXXX Despite being told multiple times that someone would contact me by email, nobody from the appropriate department has ever reached out with a real update or explanation. I have provided my email address at least five separate times, and every support interaction results in the same automated or scripted responses with no actual progress. I also attempted to escalate this issue through phone support, but I was again told only to wait without receiving any explanation for why my funds remain inaccessible or why the investigation is taking this long. At this point, I genuinely do not understand why Cash App is withholding access to my money without giving me a clear reason, timeline, or proper communication. This situation is causing serious financial stress because I urgently need access to my funds for education-related expenses and daily living costs. I am requesting that Cash App : XXXX. Immediately provide a real explanation regarding the restriction or issue on my account. XXXX. Restore access to my funds and account functionality. XXXX. Stop providing repetitive automated responses without actual investigation updates. XXXX. Assign this case to a real representative capable of resolving the issue. I have made every reasonable attempt to resolve this directly with the company, but after nearly two months of delays and no meaningful response, I am forced to submit this complaint through the CFPB.

Company response to consumer: Closed with explanation