vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent a Cash App payment to my daughter. I entered her information and confirmed her name. However, once I pressed send, the payment went to a company called XXXX XXXX XXXX XXXX XXXX. I immediately notified Cash App and my bank about the fraudulent transaction. Cash App continued to delay the process telling me they were investigating while informing my bank that I was lying and that I had intentionally made the transaction to this company. I have no idea who this company is or where they are located, and Cash App would not provide any information about them. The only information about me Cash App provided to my bank was my profile information and stated i made the tranaction. Cash app also blocked me from requesting the money back. I asked them question like what type of business is this, where is this business located ask them for a reciept and a discription of me do they have video that they can show of me. Cash app provided XXXX and the info they had on the company and XXXXgave me what they provided. Attached. i still have no idea where this company is located or what type of business this is. On XX/XX/XXXX, I sent my daughter {$30.00}. Because of the previous incident, I carefully checked to make sure the Cash App number, name, and all other information were correct. My daughters Cash App account even has a gold verification badge. However, when I pressed send, it immediately changed to someone named XXXX XXXX. I do not know any by this name before i hit send it showed all my daughters information it showed the XXXXXXXX XXXX XXXX XXXX. The last time this happened, Cash App told me to request the money back. However, according to Cash App this person has their information blocked, and again Cash App claims they can not help. I believe Cash App is aware that this is happening to people but is not helping. It seems like some kind of scam is occurring, and I believe Cash App knows about it. I can not be the only person this has happened to. it is Cash App responsibility to notify us and have some kind of security in place we cant just be out of our money. XXXX did not complete an investigation. It was their employee that informed me that all Cash App did was provide my profile and say i was lying. My checking acct was closed because of this. My last name is no longer XXXX this complainant is being filed as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing regarding dispute XXXX and would like to request a further review of the determination. The merchants documentation appears to rely on a signature associated with the delivery/pickup as proof that the parcel was received. However, the signature provided is clearly not mine, and I did not receive or collect this package, nor did I authorize anyone to do so on my behalf. Because the signature does not match my own and my evidence addressing this discrepancy does not appear to have been considered in the determination, the documentation provided by the merchant does not establish that the merchandise was delivered to the cardholder. For this reason, I respectfully request that this dispute be reopened and reviewed again, with specific consideration given to the signature mismatch and the evidence previously submitted. If additional documentation is required from me to assist with a proper review, I would be happy to provide it. Thank you for your time and attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
On XXXX XXXX I got a call from a person who says she was a customer service associate to confrm if I referred somebody to use their money transfer company. That day I did referred somwbody. The person I referred gave them my number so they were able to call. They asked the name lf the person I referred and they said that for that I get a referral rewards. They told me that they will send me a code to make sure that the person whom I referred was referred by me. So they send me a code in my phone and I read it back to them. After that they said that I earned a referral rewards and I can use that to fund money transfers but I cant transfer money yet until they put in that reward which will take 3 to 4 days. That call took about 15 mins. So when I hanged up after 15 mins, I logged on to my Remitly Account and found there was three money transfer that I did not do. It was {$830.00} to my brothers mobile wallet and {$870.00} to my sister-in-laws sisters mobile wallet ( bith XXXX which is a mobile wallet in the XXXX ). The third money transer of {$350.00} to a niece of my friend which showed pending. Those money never went to my brothers and sister-in-laws sisters monile wallet so I quickly called Remitly tp report about thia unauthorized transaction and also called my bank XXXX to report this and rquest them to cancel any transaction from Remitly. I logged in to my XXXX and showed Pending on all three money transfer. While talking with both Remitly and XXXX, XXXX cancelled my debit card and was able to stop the Remitly Transaction of {$350.00} that shows Pending. The reference number of the transaction that went through are XXXX and XXXX ) .XXXX says they will investigate this and Remitly says they have suspended my Remitly account since it was compromised. After 72, hours reporting, I called Remitly and said they can not do anything about it and will not refund my {$1700.00}. Because they are just the middle man. I asked them to give me the mobile wallet number where my money went to but they refused saying its against their policy. I asked them how will I trace where it went when they have suspended my Remitly account and cant login anymore. They said they cant do anything about it. Up to this day, there is still no update from XXXX, no news if I can ever get my money back. Meanwhile while that unauthorized transaction was happening, something was also happening with my paypal acxount where an person whom i dont know named XXXX XXXX XXXX sending {$450.00} to her mobile wallet ( XXXX. i will attach a picture of that number that XXXX was able to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing regarding dispute XXXX and would like to request a further review of the determination. After reviewing the outcome and the documentation provided, it appears that the decision relied primarily on the merchants response without fully addressing the evidence I submitted as part of the dispute. Because the supporting materials I provided raise questions regarding the merchants claim, I respectfully request that this case be reviewed again with full consideration of the documentation previously submitted. If any additional clarification or documentation would assist in conducting a more complete review, I would be happy to provide it. Thank you for your time and attention. Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 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: MS

Complaint narrative:
I had multiple transactions in the amount of XXXX I have disputed it XXXX times I have uploaded a police report and me reaching out to the merchant chime refuses to reopen my dispute they refused I asked chime to send the evidence they used to make the decision they only send me a log of times and dates of transactions I asked to speak with a supervisor they said they cant help me and have hung up in my face twice I asked if it was reviewed under regulation E guidelines and they couldnt answer I need my funds to be returned to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: CO

Complaint narrative:
XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. As of XX/XX/year> you owed {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Your XXXX Credit Card with a balance of {$2600.00} and your account agreement were sold and transferred on or about XX/XX/year> to Midland Credit Management. Midland Credit Management , Inc is now the owner of your account is is responsible for collecting Future payments in answering questions that you might have.They may contact you about your account directly or through a representative. Since your account has been sold, please do not send future payments to XXXX XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I submitted a complaint to the CFPB, and it was resolved by the company on XX/XX/year>. They stated that they submitted a credit to my account on XX/XX/year>. It has been over XXXX business days they said to allow for processing, and no credit has been issued to my account as of XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
XX/XX/XXXX of XXXX I moved out of XXXX XXXX apartments. Landlord states I moved out XX/XX/XXXX and is stating I owe rent for XXXX. This was a month a month lease and proper move out notice was given. I was on section XXXX XXXX XXXX XXXX and had to notify XXXX XXXX XXXX of my intent to move. Notice was given XX/XX/XXXX move out date was XX/XX/XXXX of XXXX original lease was XX/XX/XXXX of XXXX to XX/XX/XXXX of XXXX that was sent to IQ data collections with original lease that was expired and deposit was kept with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 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:
FPB Complaint Letter : Recovery of Held XXXX To : Consumer Financial Protection Bureau ( CFPB ) Company Name : Block, Inc. ( Cash App ) Subject : Unlawful Withholding of Cryptocurrency Assets since 2020 Name : XXXX XXXX XXXX Company ; XXXX XXXX Account ID : $ XXXX I am filing this formal complaint against Block, Inc. ( Cash App ) for holding my XXXX assets XXXX since XX/XX/year>. Despite multiple attempts to communicate with the company, I have been met with " bullying '' tactics and a lack of transparency regarding my property. I have recently discovered that my account has been moved to their " Unclaimed Property '' department. Key Issues : XXXX Assets : Block, Inc. has prohibited me from accessing or managing my XXXX for over five years. Lack of Due Process : The company has failed to provide a clear path for identity verification or asset recovery, choosing instead to ignore my requests. Threat of Liquidation : I am concerned the company intends to " bail out '' on my positions by liquidating my XXXX into cash without my consent, which would cause significant financial loss. Desired Resolution : I demand that Block, Inc. immediately : Provide a direct point of contact within their Unclaimed Property or Compliance department. Allow me to complete any necessary verification to regain full access to my XXXX. Cease any plans to liquidate my XXXX holdings or transfer them to a state agency as cash. I am an active participant in the market and have a clear interest in these assets. They are not abandoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/year> I checked my account balance using my Santander mobile app. I discovered multiple unauthorized transactions had completed for the amounts of {$400.00} and {$200.00} that were taken out totaling to an amount of XXXX. Then XXXX more unauthorized transactions after this. The alarming issue is that I have fraud alerts and card notifications set up for when any transactions are attempted or my card is used. For these specific transactions I was not notified and fraud alerts did not alarm me. I immediately blocked my card and called into Santander to issue me a new debit card and report these fraud charges. I was told I needed to pay for a debit card to be expedited when the company allowed fraud charges. Also the representative told me the charges from XXXX was a known fraud issue and he had just dealt with multiple customers reporting the same fraud charges from this account. I was told my case would be resolved in XXXX days with a XXXX provision period. I explained I am a single mother and need the money put back into my account for bills and auto payments. I asked if there was anyway to have the refund policy faster than 10 days he gave me a seperate number to contact. This is the third time my card/account has been compromised in less than a year. I do not feel secure about this company or my finances with Santander. Ive expressed repeatedly that these issues should not be happening and dont feel too confident with them not knowing or resolving these issues. I would like my funds refunded as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been an excellent customer of Citibank for many years. My credit card has a {$32000.00} limit, I always pay it in full and there has never been a late payment. I recently received promotional material to change my current Platinum Select World Elite Mastercard to a more expensive Globe Mastercard, for which I would receive XXXX bonus XXXX XXXX miles after spending {$7000.00} in the first three months. When I spoke to Citi tonight, they said I could now receive those miles, only if I closed my old account and opened a new one. This is completely against the advertising and promotion that induced me change to the more expensive card in the first place. And when I try to close out one account and open another, as they advised, the bank is now refusing to let me close my account. All this seems designed to prevent me from earning my XXXX miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems Is attempting to collect a XXXXXXXX XXXX debt from that is showing on my credit report that the last payment was made in 2023... this is incorrect and the debt is too old to be reporting.. I contacted XXXX ( the original creditor ) and was told according to their records the account is closed and I do not owe anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am requesting full validation of the alleged deficiency balance related to the repossession and sale of my 2013 Jeep associated with the above account. Please provide the following documentation to verify the accuracy and enforceability of this debt : 1. A copy of the original signed loan agreement or contract bearing my signature. 2. A complete payment history and account ledger from the date the account was opened through charge-off and repossession. 3. An itemized breakdown and supporting receipts for all repossession-related charges, including but not limited to towing, storage, holding, transport, processing, and disposition fees totaling {$1600.00}. 4. Proof of sale of the collateral, including the auction or sale receipt, the date of sale, the entity that purchased the vehicle, and documentation showing the vehicle sold for {$9000.00}. 5. Documentation demonstrating that the disposition of the vehicle was conducted in a commercially reasonable manner as required under the Uniform Commercial Code. 6. Copies of any notices allegedly sent to me prior to the sale, including the Notice of Intent to Sell and any post-sale deficiency notices. Additionally, there appears to be an incons istency in the balance reported. Navy Federal states the deficiency balance is {$30000.00}, while the balance reported to TransUnion, Equifax and Experian reflects {$30000.00}. This discrepancy raises concerns regarding the accuracy of the information being furnished. Under the Fair Credit Reporting Act and applicable Uniform Commercial Code provisions governing repossessions, if the creditor can not provide documentation demonstrating the existence of a valid signed contract, the complete accounting of the alleged debt, proper notice of sale, and proof that the collateral was disposed of in a commercially reasonable manner, the creditor may not lawfully pursue or report a deficiency balance. If the requested documentation can not be produced, I request that this account be corrected or removed from all consumer reporting agencies immediately. If this account can not be fully substantiated with the requested documentation, I expect the tradeline to be deleted from all credit reporting agencies to ensure compliance with federal consumer protection laws.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: CO

Complaint narrative:
MRS BPO , LLC is a debt collector. We are trying to collect a debt that you owe to Unknown Loan Type code. We will use any information you give us to help collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC Email : [ XXXX ] ( XXXX : XXXX ) Date : XX/XX/2026 Subject : Request to Close FIT Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my FIT Mastercard account. After reviewing the interest rate, program fees, and other charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. A significant portion of the available credit was immediately consumed by fees, and the high interest rate combined with ongoing charges has made it extremely difficult to make meaningful progress toward paying down the balance. As a consumer residing in North Carolina, I believe the lending practices associated with this account may violate consumer protection laws related to unfair and deceptive trade practices. The terms and financial impact of this account were not clearly represented in a way that allowed me to fully understand how quickly fees and interest would accumulate. Because of these concerns, I am requesting the following : 1. Immediate closure of this account 2. Adjustment of the balance to * * {$0.00} * * and the account marked * * Paid in Full * * 3. Removal of any negative reporting related to this account from all credit reporting agencies 4. Written confirmation that the account has been permanently closed and resolved If this matter can not be resolved promptly, I will submit formal complaints to the * * North Carolina Attorney Generals Consumer Protection Division * *, the * * Consumer Financial Protection Bureau * *, and other appropriate regulatory agencies requesting review of these lending practices. Please provide written confirmation of resolution within 15 days. Sincerely, 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
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: DE

Complaint narrative:
Halsted Financial Services has been emailing me 2 times a day Starting XXXX XXXX and have done it straight even today XXXX XXXX. They have constantly harassed me. The times and days are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation