vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
In XXXX, I opened a new account to have the same bank a my wife for our vacations. My XXXX wasnt working to send air receive money so I called multiple times to try to fix the issue. When I said just a moment to getting the pin from my phone, the woman put me on hold, locked my account down and said I wasnt who I said I was based on how long it took to get my pin and I put her on mute according the the notes she put in the file. The next person took an XXXX XXXX XXXX XXXX asking background questions including where my father owns property ( which shouldnt be part of a background as Im XXXX and he bought this property a few years ago, we arent close ). Even though I answered all of their questions correctly, she said she couldnt clear me because it was the end of her shift and she had questions about me being in XXXX and my login saying XXXX. I explained I have both XXXX XXXX that is associated with a XXXX all over the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. She said shed pass me to XXXX who grilled me again. I answered everything correctly, have offered bank statements to my home address, passport photo and photo of me, drivers license, but they are claiming they can hold my money because Im not me but will not tell me how to prove I am me to get my money.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
See initial complaint info below. WellsFargo responded that they credited me {$70.00} on XX/XX/XXXX due to two of the {$35.00} fees being waived. Ive checked transactions on the XXXX and well as other dates in the vicinity and do not see any {$70.00} credits or fees waived. I now have {$630.00} in fees for the past year. It seems that I cant even decline this sort of coverage as its up to Bank discretion and a customer cant opt out of all types. My original purpose of this complaint also stands : WellsFargo explained that these fees are at the banks discretion due to various types of overdraft protection ; however, what is the point of the fees other than to profit off of customers with low bank balances? Wells Fargo checking account - I do not have overdraft protection and never did. I even made sure by trying to see if it was on there and it says, " There are no eligible options available to protect this account. '' I did a search on my everyday checking transactions of, " overdraft fee '' to see how many and it's showing that I have 17 overdraft fees of {$35.00} totaling {$590.00} within the last year XXXX XXXX XXXX. I verified with the company that I don't have overdraft protection so why am I still getting fees for transactions instead of just declining them. I was told that these are charges for reoccurring payments. I could transfer money to cover the reoccurring payments, but then a fee occurs and I am in the negative again. Two of the transactions that I received a {$35.00} fee were for an {$11.00} and many of them are for a transaction of less than {$40.00}. These fees target low income and middle class who have the most difficulty with cost-of-living expenses. XXXX XXXX XXXX has fees of {$15.00} instead of {$35.00} and a lot of the time they are waived which is more reasonable than Wells Fargo practices. Please review Wells Fargo practices and the purposes of the fees to determine if the sole intention is to profit off of low- or middle-class account holders.

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 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest is financing my XXXX and I just got informed that XXXX dollars of my {$330.00} payment goes to the balance of my car loan and the rest is interest how is this legal does anyone know what is right and wrong how dare you and this company allow this to happen I see that more and more criminals in corporate suits are allowed to do whatever they want to hard working people and it is simple wrong should be illegal and is evil greed and immoral. I thought that price gouging and taking advantage of people was illegal something needs to be done I am beyond mad and I will not stop until someone does something because this is wrong wrong wrong and I am sick of all the corruption!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: Benht: Economic Development Corporation
State: FL

Complaint narrative:
I looking on line for a personal loan and this company offers me {$600.00} dollars and now I just found it that I have to pay back $ XXXX.im already paid {$280.00} last month. What can I do? .last week I put the stop payment on my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I bought {$310.00} of " XXXX XXXX '' stocks on Cash app and it never went through. Now I have nothing. Not even in my bank balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime Account Number Ending In : XXXX Open Claim ID : XXXXDispute Amount : $ XXXXChime Financial is actively violating Federal Regulation E ( Electronic Fund Transfer Act ) guidelines, committing gross internal errors, and engaging in severe consumer retaliation.On XX/XX/2026, I officially revoked payment authorization in writing to the merchant ( XXXX XXXX XXXX XXXX XXXX ). The merchant wrongfully withdrew {$1000.00} after authorization was legally revoked.Chime 's staff committed gross compliance errors by mislabeling my paperwork as " Unauthorized Fraud '' instead of " Cancelled Service '' XXXX, leading to automated system denials. On XXXX XXXX XXXX XXXX, I spoke with XXXX Chime supervisors who openly admitted on a recorded line that Chime 's staff committed these internal filing errors. They opened a corrected claim under ID : XXXXOn XXXX XXXX XXXX Chime 's back office requested additional details via email. I replied immediately with exact answers and my XX/XX/XXXX cancellation proof. Today, XX/XX/2026, I called to check the status. Multiple Chime phone agents and an active customer service supervisor explicitly refused to connect me to dispute management or honor Regulation E timelines, and they intentionally hung up on me multiple times to avoid handling an admitted internal bank error.Chime is illegally stalling my federally protected funds. I am requesting an immediate XXXX compliance review, an investigation into the phone call recordings from today, and the instant release of my {$1000.00} temporary credit as mandated under Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/XXXX, I used an installment loan through Affirm to purchase goods advertised with XXXX XXXX shipping. The purchase amount was approximately {$160.00}. The item was not delivered until XX/XX/XXXX, approximately XXXX months after purchase. Because the merchant did not fulfill the order for approximately XXXX months, the standard XXXX dispute window expired before the transaction was actually completed. By the time the item was delivered, Affirm 's system would not allow me to submit a dispute because the purchase date was more than 120 days old. I contacted Affirm multiple times and explained that my concern was not a standard late dispute. My concern was that the merchant 's delay extended beyond the dispute window itself. I submitted supporting documentation, including the order confirmation showing express XXXX shipping, delivery records showing delivery on XX/XX/XXXX, merchant communications, and other supporting evidence. Affirm opened and escalated Cases XXXX and XXXX. However, the XXXX XXXX responded by repeating the standard XXXX dispute policy and stating that the purchase was no longer eligible for dispute. The response did not address the extraordinary delivery delay, whether my evidence was reviewed, or whether any exception or alternative resolution was considered. I am requesting that Affirm review its handling of this matter and provide a substantive review of the delayed fulfillment issue rather than relying solely on the original purchase date to deny consideration of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KS

Complaint narrative:
MoneyGram Reference # is XXXX Sent US {$400.00} to XXXX, XXXX on XX/XX/XXXX. XXXX. Per MoneyGram receiver would receive funds on XX/XX/year> in his Bank. Amount to be received is XXXX XXXX XXXX. As of XX/XX/XXXX, money not received. Called Customer Service. XXXX verified the Bank IFSC Code and Account Number + Name of Receiver. All this was verbal over the phone. So there appear to be no typos. MoneyGram claims money was sent on XXXX, XXXX Told them I need documents proving they have sent money to the Bank in XXXX. Told them I will send proof to the Receiver and Receiver will take documents to his Bank. This will be much faster. They said that because their team is investigating they are unable to send me the proof. It is my money so I should be able to get proof of the remittance anytime and NOT wait for their investigation. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On or about XX/XX/year> I was notified by Cash App that they deactivated my account for violating the terms of service. I have requested multiple time that they provide me with the specific actions that they alleged I did that violated the terms of service. Each time they respond with a XXXX response saying the same thing that I violated the terms of service but did not give me the specific actions that they claim I did. I believe that they are using XXXXI the monitor accounts that are not vetted by a human. Ive asked to speak to a human and get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing the alleged balance being reported and collected by National Credit Systems. I submitted a written request for validation of the account, including a signed lease agreement, itemized move-out statement, proof of damages or fees assessed, and documentation establishing the companys legal authority to collect the alleged balance. The company has failed to provide sufficient documentation validating the debt while continuing to report the account to consumer reporting agencies. I am requesting : - Proper validation of the alleged debt - Investigation into the accuracy of the reporting - Correction or deletion of any inaccurate or unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was offered XXXX % rewards cash back, and I spent {$2500.00} USD I was only given {$250.00} and when confronted, Capital One did nothing and just closed the support ticket. It was a bait and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
XX/XX/year> I spoke to XXXX XXXX, which is holding my VA mortgage. XXXX of this year I was hospitalized due to my XXXX through the VA and I was late on a payment. Then XXXX XXXX tripled my payments to {$9000.00} which I can not afford. They stated that the VA did not properly do some paperwork for my VA mortgage that that is not covered under my Disability.

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 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
I have been sued by XXXX XXXX XXXX who turned it over to a collections agency who then turned it over a law firm who is never in office or will never answer their phone. They have taken all my money from my bank account. But my identity was stolen when this account was opened. I cant get ahold of them to fix this. Look Ill make a payment arrangement even though I didnt actually start this but I cant get anyone on the phone to answer. I have to pay my bills that are due the XXXX and I cant because of this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: OH

Complaint narrative:
I was working with a loan XXXX named XXXX to secure a house from my father in law that we are currently living in and was told AFTER a hard credit pull that I would be able to get the $ XXXX I was asking for with just my XXXX XXXX XXXX XXXX funds. I was told he was going on a week long trip and then would be back. I tried to contact him several times after I submitted the required other paperwork about a week after he got back and could not get a response. I contacted the main office for the company and was told he was no longer with the company. My file was then transferred to a new loan XXXX and they told me I would no longer be able to get the $ XXXX and would only be able to get $ XXXX with no information changing. They responded to the last complaint that my no longer being employed with lowes is the reason for change. The pervious loan XXXX was already informed of me no longer being employed by lowes and still offered the terms for a loan without lowes income being part of the equation and after a hard credit pull. I want the loan promised or I will be forced to sell legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/year>2026 I made XXXX mobile deposits, {$120.00} and {$120.00}, at the end of this transaction, I received the prompt as always that the checks were successfully deposited. To my surprise, they never ended up reaching my account and Chase claims they have no record of the mobile deposit occuring. My mother ( the issuer of these checks ) contacted her bank, they showed the checks were cashed by Chase and were cleared. We spoke management as well as corporate of XXXX XXXX, who provided Visual images and transaction info of the checks showing they were cashed by Chase. We went into our local Chase Branch and presented this information, the branch placed a claim, which was quickly denied. Chase still refuses to issue me my money, claiming they have no record of it even though I provided indisputable proof they cashed the checks. Below is an image of XXXX of the checks with the transation numbers showing it was cashed by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Tried to do a transfer, they held it for 2 days, no real explanation, no customer service and never any answers on where money and why the long transfer times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
I was a victim of identity theft this is not my debt. I am attempting to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
For over a month, I had issues accessing my Wells Fargo funds. I repeatedly contacted Wells Fargo and was advised that there were no issues on the bank 's side and that the account access issue had been resolved. Despite these statements, I was still unable to access my money. Because the issue remained unresolved, Wells Fargo created a new account for me. I can now log in to the new account, but Wells Fargo has not transferred my funds from the previous account into the new account. It has now been over a week since the new account was established, and the funds still have not been transferred. I have repeatedly requested updates regarding the status of my funds, whether the transfer has been submitted, what department is handling the matter, and when my funds will become available. I have not received a clear explanation or a firm timeline for resolution. This situation has caused severe financial hardship. I have been without stable housing for over a month and have experienced difficulty obtaining basic necessities, including food, transportation, and phone service, because I do not have access to my money. I have also incurred fees and/or a negative account balance while waiting for Wells Fargo to transfer my funds to the replacement account. I believe these charges resulted from the delay in making my funds available. I am requesting immediate access to my funds, completion of the transfer to the replacement account, reversal of any fees caused by this delay, and a clear written explanation and timeline for 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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I made multiple valid payments to American Express, but the company refused to credit any of them. Their own documents state they accept a valid payment clearable through the XXXX, banking system. My payments met that requirement. Their letter incorrectly claimed the payments were made outside the XXXX banking system. I asked them to resolve the billing errors, but they did not provide the information I requested. The issue remains unresolved, and the company continues to send credit-reporting threats instead of addressing the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Systems, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft this was not me that made this debt

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 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: OH

Complaint narrative:
I haven't been able to order a cash app card for over a year now. They keep saying that there is something wrong with my address. I've sent in my lease, my ID, my bank statements on several different occasions to try and resolve the issue. When I call customer service all that they keep saying is that the people in charge of ordering cards can only reach out to me via email. They will email asking for proof of address and I'll send them something and than I never hear from them and the process starts all over again. This has been going on for almost a year now.

Company response to consumer: Closed with explanation