vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I lost my job and contacted the company to ask for help before my account situation became worse. At the time, I was already about three months behind on my payments. I spoke with at least two representatives and explained my financial hardship, my loss of income, and the fact that I needed a realistic option that would help me bring the account to a more manageable status. Both representatives told me there was nothing they could do other than offer me a one-payment extension. I specifically explained that a one-payment extension would not put me in a better position, would not stop collection calls, and would not be a real solution because I already knew I would not be able to make the following months payment either. I told them that if this was the final extension the company allows, then it should at least be structured in a way that actually helps the customer recover, not leaves them in the same delinquent position. Despite that, the only option offered was still a one-payment extension. After the extension, I remained past due and continued receiving collection calls. In other words, the extension did not actually resolve the hardship or provide meaningful relief. I was also told to ask family members for help, which was not a realistic solution. Many families are also financially strained, and that suggestion felt dismissive of my circumstances. I believe the company failed to offer a meaningful hardship option or fair assistance despite my efforts to communicate proactively and honestly. I am seeking a review of my account, a realistic hardship solution, and fair treatment for customers experiencing unexpected financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I went on the Goodleap portal and requested payoff information for loan numbeXXXX XXXX. The report generated from my online profile told to mail the payoff to XXXX XXXX XXXX Goodleap XXXX XXXX XXXX XXXX XXXX, TX XXXX. I sent a check to that address and used US Postal service certified mail receipt XXXX XXXX XXXX XXXX XXXX XXXX. I did not think to make a copy of the checkXXXX XXXXAccording to the post office, Reef bank has a forwarding address from the above mentioned address. The post office delivered my payment/letter to the forwarding address. This is what the post office emailed meXXXXGood afternoonXXXXThe company Good leap has a forward in the system for XXXX XXXX XXXX and they are now in XXXX, Texas. The scan events you saw that said forwarded was made by our carrier. The delivery scan event for that envelope was the item being delivered to the XXXX XXXX XXXX as the company also has a XXXX XXXX at our facility. On the scan it says XXXX, Tx as we have a manager here from there at our station who is here helping out and when he makes cans it still shows the location he is from. They item was delivered to the XXXX XXXX for good leap on XXXX If you need any more information from me please feel free to contact me by email at XXXXThanks so much for your timeXXXX forwarded this email to GoodLeap. The customer service representative refuses to retrieve the payment from the XXXX XXXX They want me to pay for a wire transfer, which would cost me more. I want them to apply my payment from the date it was delivered to the original address and close my account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MA

Complaint narrative:
Cashapp allowed a merchant to take money from my account with the wrong address attached to as well as allowed them to not be responsible for my funds while shipping to a completely different address as well as authorized a debit that didnt have the correct information attached

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I had a credit card from XXXX XXXX that had XXXX interest until XX/XX/year> from XXXX XXXX. In XX/XX/year> apparently my account was switched to XXXX XXXX and I was charged extra fees, {$99.00} annual fee and {$2.00} paper fee and I began to accumulate interest. This was sent to me in an email which went to a spam folder and I wasnt aware until the next time I tried to pay my bill. Bu the time I realized it was changed I was out of the window to dispute the changes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
Absolute Resolutions/XXXX XXXX XXXX illegally garnished my wages in XX/XX/XXXX for an alleged debt but was unable to provide proper validation for the debt. I sent 2 debt validation letters ( in XXXX and XX/XX/XXXX ), the initial letter and a second request because the response to my first request did not provide the proper information requested in the debt validation letter. In XX/XX/XXXX I also filed an Objection to the Garnishment and in XX/XX/XXXX, the judge ruled in my favor because Absolute Resolutions/XXXX XXXX XXXX XXXX XXXX appear. I sent Absolute Resolutions/XXXX XXXX XXXX a cease-and-desist letter in XX/XX/XXXX. After the judge ruled in my favor, I sent Absolute ResolutionsXXXX XXXX XXXX a letter demanding they return all of my money that was illegally garnished from my wages. The XXXX XXXX XXXX return a total of XXXX checks to me totaling a little over {$4700.00} on or around XX/XX/XXXX. When I looked at my credit report to see had the debt been removed, it was still there last updated on XX/XX/XXXX for over {$5000.00}. Absolute ResolutionsXXXX XXXX XXXX were unable to validate the alleged debt and a court ruled in my favor of this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I initially disputed a charge ( around XX/XX/XXXX ) with a vendor charge posted to my Coinbase XXXX due to non-delivery of service. After the vendor fulfilled the service, I canceled the dispute in good faith so the original charge could be processed ( around XX/XX/XXXX ). This cancelation was through the same Coinbase app that I originated the dispute. On XX/XX/XXXX, Coinbase XXXX informed me via email that I would be responsible for additional fees and interest related to this situation but did not provide any explanation or breakdown. I immediately requested a detailed explanation and the contractual basis for these charges and received no response. I followed up six times via email ( no responses ) and once via phone ( was told they would look into it ). The website callback and chat functions failed to work. Subsequently, Coinbase XXXX applied multiple unexplained interest charges to my account, including : {$130.00} ( XX/XX/XXXX ) {$130.00} ( XX/XX/XXXX ) {$140.00} ( XX/XX/XXXX ) {$120.00} ( XX/XX/XXXX ) {$160.00} ( XXXX ) These total {$700.00} in interest charges. I have consistently paid my balances in full and did not revolve a balance. The only reason these charges appear to have been assessed is due to Coinbases handling of the dispute and subsequent reinstatement of the charge. At no point was I provided a clear explanation of how these charges were calculated or why multiple separate interest charges were applied on the same day. I believe these charges are improper and the result of either a system error or unfair billing practices. I am requesting : A full reversal of the {$700.00} in interest charges A detailed written explanation of how these charges were calculated Clarification of the contractual basis for applying retroactive interest under these circumstances Despite multiple attempts to resolve this directly with Coinbase, I have received no response. This lack of transparency and failure to respond to repeated inquiries is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I discovered unauthorized ATM withdrawals totaling {$600.00} from my Netspend account. I did not make or authorize these transactions. I immediately reported the issue to Netspend the same day and filed a fraud claim ( Claim Number : XXXX ). I also submitted my written dispute within the required timeframe to ensure compliance with Regulation E and to qualify for provisional credit. Since filing my claim, I have followed up multiple times requesting updates and provisional credit. However, Netspend has only provided generic responses stating that my claim is under review, without addressing my request for provisional credit or confirming eligibility. As a result of these unauthorized transactions, I am experiencing financial hardship and difficulty covering essential expenses. Despite clearly communicating this, my concerns have not been properly addressed. Netspend has failed to provide timely and meaningful communication regarding my claim and has not issued provisional credit while the investigation is ongoing, as required under Regulation E.

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: TX

Complaint narrative:
On XXXX the XXXX I sent {$200.00} through Cash App to XXXX XXXX XXXX. She has sent me money through this Cash App before so when I sent the money I let her know it was coming. She then let me know that her Cash App was closed and she had no access to it due to it being hacked months prior. I immediately tried to cancel the transaction. It had only been XXXX minute. I was unable to cancel it had already said complete and was withdrawn from my balance. So I requested a refund and explained what happened. Cash App denied the refund stating that the recipient denied to refund but the recipient doesn't have access to the closed account. So i appealed. They denied my appeal stating they were correct the first time. They informed me that when you send funds to an account that is not active the money is unable to be retrieved. That is insane to me. So who gets the money if I can't get it refunded and the other part also hasn't received it? I don't feel this is fair at all. I wonder how many other people this happens to and Cash App keeps the money. The money was being sent to my XXXX children. Cash App let me know that the appeal and dispute are final and can not be re opened. I am also unable to do a new appeal or dispute. They recommend that I reported my issue to CFPB and XXXX. {$200.00} is a lot of money to throw away. I also filed a complaint with Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: SOFI TECHNOLOGIES, INC.
State: NE

Complaint narrative:
In XXXX I opened XXXX XXXX XXXX accounts, one for me and one for my wife, at SoFi bank. I have been a loyal customer of SoFi since XXXX, keeping all my assets in their account. In XXXX, given an anxiety condition that prompts me to constantly check my financial situation, I decided to move the XXXX XXXX to a different institution so I did not have to look at the balance or change the contributions every time I accessed my online banking with SoFi. When I transferred our two accounts with an automatic transfer to a different institution, I got charged {$200.00} per account ( {$400.00} in total ) overnight with no explanation. I tried to call SoFi and request a cancellation of the transfer, but Ive been told it was too late. I asked for a refund for these unreasonable fees, and Ive been told sorry, nothing we can do about it. Half of the fee ( {$100.00} ) was to close the account, and I told the I did not want to close the account, but they said the account is closed automatically when you transfer funds out of it. In short, I feel like I lost {$400.00} of my hard earned and saved money, without a clear indication that these fees would be assessed, nor with any kind of help and support from SoFi in trying to mitigate the damage. This whole experience changed my perspective of SoFi and made me realize how undisclosed fees are a widespread problem that involves even what I considered a reputable and human-centric institution like SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/year>, I arrived at the XXXX XXXX gate on time while passengers were still boarding. Despite this, the gate agent refused to allow me to board, spoke to me in a loud and disrespectful manner, and denied me travel during a time of personal grief following my sisters death. A XXXX XXXX employee witnessed the incident, intervened, and assisted me in securing a same day replacement flight to XXXX XXXX I did not cancel my XXXX reservation, nor was I a no show. I was present, prepared to board, and improperly denied boarding due to the gate agents conduct not any failure on my part. XXXX claim that I did not arrive on time is incorrect and misleading. On XX/XX/year>, the return flight was immediately canceled due to the negative experience that transpired with XXXX XXXX. This left me in an inconvenient situation having to resort to other means on returning home to XXXX. This packet includes new supporting documentation, including proof of the XXXX XXXX replacement ticket, records of my contact with XXXX, a sworn statement, a witness style narrative, and a detailed statement of the gate agents behavior. I respectfully request that Barclays reopen and reinvestigate Case XXXX XXXXXXXX under the Fair Credit Billing Act ( FCBA ).

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 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I received a deposit to my PayPal account from XXXX XXXX on about XX/XX/XXXX for the amount of {$490.00}, from that balance I used to make a payment toward a XXXX installment, in the amount of {$110.00}. Which left me with a balance of {$390.00} that amount was automatically added withdrawn from a unauthorized account linked to my PayPal, I immediately contacted PayPal and explained that I never had an account with XXXX ending in XXXX, I had a previous account ending in. XXXX which was closed, and my current account ends in XXXX, I also explained that I did not at any point give my information out, nor did I give someone access or permission to access my account. My claim was immediately Denied. I call a second time. Explaining that I didn't receive my funds, the representative became accusatory, and said that the account ending in XXXX had been linked to my account for 4 years. I explained that I had no knowledge, and that person had probably been taking from me for years. Paypal denied my claim again and closed the case and I'm out of {$390.00}. I called XXXX and they confirmed that I NEVER had an account ending in XXXX, I have my current statement with my account number. I'm also having then send me my statements dated back to XXXX which would be dated back to the 4 years Pay pal is saying that the account was added.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: KS

Complaint narrative:
This is not my debt as I have been a victim of identity and credit fraud. I was informed by XXXX about a fraud alert on XX/XX/year>. I contacted Aargon agency that is attempting to collect debt from me, by email on XX/XX/year> which was within 30 days of the notification of the debt to dispute. In my email I requested all medical records, itemized bill showing the original creditor, and personal information of the thief involving the {$1200.00} Non-Emergency charges. I have not heard back from them. I sent another email to XXXX on XX/XX/XXXX. Please let me know what else I need to do. 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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to formally complain about an unlawful and discriminatory credit card denial I experienced at your TD Bank branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am an existing TD Bank checking account holder in good standing. I recently received a promotional credit card offer directly from TD Bank, which I accepted and followed up on in person at the above-referenced branch. During my visit, the branch representative denied my application, stating that my Social Security Number ( SSN ) is marked Valid for Work Only with XXXX Authorization and that I am not a XXXXXXXX XXXX. No other reason was provided. My creditworthiness, account history, or financial standing were never evaluated. I want to make clear the following facts : My SSN is valid, active, and not expired. I hold an active TD Bank checking account, demonstrating that TD Bank has already accepted my credentials for financial purposes. I was invited to apply through a TD Bank promotional offer I did not initiate the application unsolicited. The denial was made solely based on my immigration status, without any credit evaluation. This action appears to be in direct violation of the Equal Credit Opportunity Act ( ECOA ), which prohibits discrimination in credit decisions based on national origin or citizenship status when it is not a legitimate, individualized credit risk factor. In XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) and the U.S. Department of Justice jointly warned financial institutions that denying credit solely on the basis of immigration status may constitute illegal discrimination under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am a current employee and personal banking customer of Wells Fargo. I have active federal litigation pending against Wells Fargo in the XXXX XXXX XXXX for the XXXX XXXX XXXX ( filed XXXX ). On or around XX/XX/XXXX, I submitted an employment-related complaint to Wells Fargo XXXX XXXX. Rather than being processed through the internal HR system under my employee identification, the complaint was rerouted to Wells Fargo 's Enterprise Complaints Management Office ( ECMO ) and logged under my personal banking customer account, assigned consumer Case XXXX XXXXXXXX. I received an automated acknowledgment email addressed to me as a banking customer not as an employee confirming the complaint had been received by ECMO. Upon inquiry, a Wells Fargo employee informed me that my personal banking account has a notation stating " do not connect. '' This notation was not placed at my request and was not disclosed to me. It functions as an internal directive restricting normal communication and escalation channels available to me as a customer. I submitted a written inquiry on XX/XX/XXXX to XXXX XXXX XXXX at ECMO asking how my HR complaint was redirected to that office and logged under my customer account. I subsequently emailed ECMO supervisor XXXX XXXX requesting written answers to three specific questions : who authorized the routing, what policy governs it, and the nature and origin of the account notation. As of the date of this complaint I have received no substantive response. The placement of a restrictive notation on my personal banking account, combined with the deliberate cross-referencing of my employee identity with my customer profile to route an HR complaint through a consumer channel, occurred during the pendency of active federal litigation against Wells Fargo. I believe this conduct represents improper account management and warrants regulatory review.

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 2026-04-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian , XXXX and XXXX violated my rights as aconsumer under XXXX XXXX XXXX and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report XXXX fcra XXXX XXXX. Remove XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, crdt account XXXX date ; XXXX XXXX, XXXX XXXX account XXXX date ; XXXX XXXX XXXX, XXXX XXXX account XXXX date ; XXXX 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