vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 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: TX

Complaint narrative:
I am requesting assistance regarding the closure of my Cash App account. My account was closed for alleged gambling activity, but I have never used my account for gambling. I have been a customer since approximately XXXX and have always used my account for legitimate purposes, including sending money to my children, supporting family members out of state, and conducting small personal and business-related transactions. I have already submitted multiple appeals through Cash App support and have only received generic responses without any clear explanation or evidence. This has caused a financial hardship for me, as I relied on this account regularly. I am respectfully requesting a full investigation, a clear explanation for the closure, and reinstatement of my account if no violation has occurred. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — FHA 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: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I have an XXXX mortgage serviced by Planet Home Lending. I was previously offered a Trial Period Plan in late XXXX, but due to a temporary medical hardship I was unable to complete it. The Trial Period Plan was never accepted, completed, or converted into a permanent modification. I did not sign any final modification agreement, and no permanent home retention option was ever executed. After my hardship was resolved, I submitted a new complete Request for Assistance on XX/XX/XXXX. On XX/XX/XXXX, I received confirmation that my documents were received and under review. My online account continues to show this request as ACTIVE. On XX/XX/XXXX, a representative confirmed that my request was active and that my documents had been received and opened. However, on XX/XX/XXXX, I spoke with my assigned representative, who informed me that no further evaluation would be conducted, that I would not receive any decision, and that I must pay the full balance. Subsequent calls on XX/XX/XXXX and XX/XX/XXXX repeated the same position and referred back to that representative. This directly contradicts : The XX/XX/XXXX confirmation that my application was under review My account portal showing an active request ( # XXXX ) Prior written correspondence encouraging me to pursue home retention options Despite submitting a complete application, following up multiple times, and sending a formal escalation request, I have not received : 1. A written denial 2. A written determination of eligibility 3. Confirmation that my application was formally reviewed It is my understanding that XXXX loss mitigation guidelines require evaluation of a complete application and issuance of a written determination. Since no permanent loss mitigation option was ever executed, I do not believe any restriction should prevent my current application from being reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX, I got on to my account after losing my last phone. And seen on chime account that there were XXXX unatherised transfer transactions XXXX XXXX XXXX unatherised transactions XXXX dates XXXX another 23 unatherised transactions dates XXXX XXXX when I seen these unatherised transactions I called chime and wanted to know what do I do about this because it's not my transactions. So I filed 4 claims with them to dispute these unatherised transactions.and cancelled the cards that were on my account which my physical card I never received it and it was not ever activated. And there were two virtual cards that were on my lost/ stolen phone that on that phone. They canceled the card but I guess they didn't cancel both of them because. On the XX/XX/XXXX I got back on to my account. And seen that there were 12 more unatherised transactions. That had to be because everything was linked on my old phone that got lost or stolen. I had to get a new phone and I got a new number. So I am not understanding how there were all these unatherised transactions the that I didn't do .and more unatherised transactions after the fact I called chime and told them about them and they drained the rest of my account. From dates XXXX for XXXX chime opened another dispute for me but they denied me for the first XXXX on the XXXX and the XXXX and they denied me for the other ones as well and they closed my account.this is ridiculous. And hopefully we can get something figured out about this rather then just denying my claims for these unatherised transactions that's happened and closing me account and I am sol.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized collection activity being reported and communicated by Radius Global Soution is claiming that I owe a balance ; however, I have no account, agreement, or contractual relationship with this company. I have not opened an account with them, nor have I authorized them to collect any debt on my behalf. Despite this, they are reporting or attempting to collect a balance that I do not recognize for the amount of {$1200.00}, act number XXXX. This is extremely concerning and appears to be a violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, which require debt collectors to report accurate information and properly validate any alleged debt. At this time, I am formally disputing this alleged debt in its entirety. I am requesting the following : Immediate investigation of this matter. Full validation of the alleged debt, including the original creditor, signed agreement, and full accounting of the balance. Immediate removal of any negative reporting related to this account from my credit file with XXXX, XXXX, and XXXX if they can not provide proper validation. Immediate cease and desist of all communication and collection attempts regarding this alleged account and these three account remove from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: OK

Complaint narrative:
I have been making regular monthly payments on my loan since XX/XX/XXXX. However, despite consistently paying, my principal balance has barely decreased and has even increased at times. Based on my payment history, a large portion of my payments is being applied to interest and fees rather than the principal. For example, I made a payment of {$250.00} where only {$1.00} was applied to the principal, and in another instance, the full payment was applied to interest with {$0.00} going toward the principal. Additionally, late fees of {$32.00} have been repeatedly assessed and added to my balance, which appears to further prevent my loan from decreasing. This payment structure was not clearly explained to me when I took out the loan. I believe the way payments are being applied is unfair and potentially misleading, as I have been paying for nearly a year without meaningful reduction in my balance. I am requesting a full breakdown of how my payments are being applied, an explanation of the interest and fee structure, and a review of my account for potential corrections or adjustments. I also asked for the payoff as of XX/XX/XXXX the person quoted me {$6400.00} but my balance as of XX/XX/XXXX was {$6300.00}. I have paid approximately {$2600.00} toward this loan, yet only about {$540.00} has been applied to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I am filing a complaint against Ally Bank regarding an unauthorized electronic fund transfer involving XXXX. On XX/XX/year>, a {$1000.00} XXXX transfer was made from my Ally Bank savings account to an individual named XXXX XXXX. I did not initiate, authorize, or approve this transaction in any way. I have never enrolled in or used XXXX prior to this incident. A fraudster impersonated a banker and gained access to my account. They performed the entire transaction without my involvement. I reported the fraud to Ally Bank immediately on the same day it occurred ( XX/XX/year> ). Ally Bank opened a new account for me and issued a provisional credit of {$1000.00} on XX/XX/year>. On XX/XX/year>, Ally recovered {$860.00} from the fraudulent recipient ( XXXX XXXX XXXX ), which indicates that the receiving account was associated with fraud. However, on XX/XX/year>, Ally reversed the full {$1000.00} provisional credit after concluding that the transaction was authorized. Their written determination provided no explanation or evidence to support this conclusion. The letter simply states that the transaction was authorized and processed without error. I have since reopened the dispute with Ally Bank under dispute number XXXX. This transaction was not authorized by me and was the result of unauthorized access to my account ( account takeover ). Under Regulation E, this qualifies as an unauthorized electronic fund transfer. Ally Bank has not provided any documentation demonstrating that I authorized this transaction, nor have they explained how XXXX was enrolled and used on my account without my consent. I am requesting that Ally Bank : * Provide all documentation and evidence used in their determination ( including IP address, device information, and authentication records ) * Explain how XXXX was enrolled and used on my account without my authorization * Reimburse the remaining disputed funds I believe Ally Banks investigation was insufficient and did not meet the requirements of Regulation E for resolving unauthorized electronic fund transfers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account is currently on hold and I can not access my funds. I am not calling to 'verify ' transactions ; I am calling to formally close my account. Because of these ongoing issues, I am moving my bank to XXXX XXXX. I am requesting that you immediately close this account and mail a Cashiers Check for my full remaining balance to my address on file. Please provide me with a case number for this closure request now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I am submitting this complaint regarding the improper denial of XXXX XXXX XXXX XXXX ( XXXX ) benefits by my student loan servicer. Despite providing official documentation of my XXXX XXXX XXXX under XXXX XXXX XXXX exceeding XXXX consecutive days, as well as prior XXXX XXXX XXXX orders, my request for the 6 % interest rate cap was denied on the basis that I was not federally activated under qualifying conditions. This determination fails to account for Texas Government Code 437.213, which explicitly extends full XXXX protectionsincluding the interest rate capto members of the Texas XXXX XXXX serving on state or XXXX XXXX XXXX XXXX. My legal representative formally notified the lender that Texas law provides a broader definition of qualifying military service and that I meet the criteria for XXXXequivalent protections under state law. The lenders refusal to apply these protections appears inconsistent with both federal intent and binding Texas statute, and may constitute a failure to comply with applicable military consumer protection laws. I respectfully request that the XXXX review this matter and assist in ensuring the lender complies with Texas law by granting the appropriate interest rate reduction and refunding any excess interest charged during my period of qualifying service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
This complaint is a follow-up to my previous complaint submitted on XX/XX/XXXX ( Complaint # XXXX ). I am continuing to experience the same issue with Bridgecrest while trying to resolve a deficiency balance after a voluntary repossession. I have now had XXXX separate calls where I requested a written statement of the balance owed before making payment. XXXX The first call, I was offered a settlement of XXXX %, but no written terms were provided before payment was requested. XXXX The second call, I again requested documentation and was told it would not be provided. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I spoke with another representative ( name sounded like XXXX ), who again refused to provide anything in writing and stated the company does not provide written terms before payment. During this most recent call, I asked whether he was aware that refusing to provide documentation could violate federal regulations, and he responded that he was aware. I am making a good-faith effort to resolve this balance with Bridgecrest and avoid the account being sent to third-party collections. I do not want this to escalate unnecessarily and impact my credit when I am actively trying to pay. However, I am being prevented from resolving the balance because the company refused to provide basic written documentation of the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/year>, I attempted to deposit a cashier 's check drawn on my savings account at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX into the ATM machine at Bank of America, located at XXXX XXXX and XXXX XXXX, XXXX XXXXXXXX XXXX at approximately XXXX a.m. Although I inserted the endorsed check, and pressed deposit and requested a paper receipt, nothing happened. I could not retrieve my ATM card for approximately XXXX minutes. Nothing followed. While at the ATM I called the phone number for the branch listed on a Bank of America website. XXXX attempts of no one answering the phone. I entered the empty lobby, explained the situation with the ATM and was asked if I had an appointment. The lobby was empty of customers. I then waited approximately XXXX minutes. XXXX brought me back to her office and I explained the situation. XXXX made several phone calls on my behalf. I provided XXXX with the bottom, detachable portion of the cashier 's check and stated I'd endorsed the check in green ink. I also explained the urgency of the situation since I had made the deposit to cover checks just mailed that morning totaling approx. $ XXXX. I was told my situation did not qualify to be " expedited. '' I was given the claim # XXXX. I have since spent countless hours on the phone with Bank of America. The response I get is that there is not a thing I can do to see that this check was deposited and that the bank will not provide any assistance when the checks I mailed begin to come in and there are " insufficient funds to cover these checks.

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 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: LA

Complaint narrative:
XXXX dollars was sent to PNC Bank on XX/XX/XXXX, to account number ending in XXXX, am account that has been close since XXXX of XXXX XXXX and the account was charged off and closed. The funds was sent to XXXX XXXX, by XXXX. Since that date, I the compliant have been trying to locate the funds, because the funds was for the purpose of funding part of housing and travel expenses and left me stranded here in XXXXXXXX XXXX I asked that these funds be returned and that I was currently stranded and those funds was not sent to that account for the purpose of paying a debt from last year but for my current circumstances. The manager over the collection department stated that they was still going to apply the funds to the balance owed to the account. I stated that I needed these funds returned to me, a this is emergency and was told by representatives that there was nothing they can do. This is unfair and put me the consumer stranded and lose of way for food, housing and transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/year> an email went out from XXXX XXXX portal for a job application as a XXXX XXXX with a {$400.00} XXXX stipend. I sent in my resume and after a " verification process '' ( where I was then hacked ) I was " chosen '' for the position. The first task was to price out a list of items that came to {$1300.00}. I was issued a mobile deposit check for {$1700.00} which was the total of the items and the {$400.00} stipend. I was asked to deposit the check in my account and then wire it to a XXXX XXXX who " worked at XXXX XXXX in accounting ''. I only did this because in previous positions I had to buy supplies and then was reimbursed. After I was tasked twice with purchasing XXXX gift cards and was issued XXXX checks for {$1500.00} each. By Sunday XX/XX/year> the checks had been rejected and I reached out to the " professor ''. he then issued another check for the next task and claimed i would receive a check in the mail covering the expenses. I went to my XXXX office and discovered I had been scammed. I went to Chase bank to try to dispute the charges but because I " initiated '' contact there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
* * I am filing a complaint against Affirm , Inc. regarding Loan ID XXXX, processed on XX/XX/XXXX for {$640.00} for a XXXX reservation XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX less than XXXX hours before check-in the host unilaterally relocated me to a completely different, inferior property without my consent and without providing any photos of the replacement. The hot tub ( a primary advertised amenity ) was non-functional the host admitted this in writing. The replacement unit did not match the original listing in layout, view, or amenities. The host himself was occupying my originally reserved accommodation during my stay. I was forced to remain due to mountainous roads, heavy rain, and nighttime conditions this was not acceptance of the accommodation. I immediately filed complaints with XXXX They acknowledged the host was unresponsive and offered only {$120.00} in non-cash platform credits ( XXXX % of amount paid ), which I declined. I then opened a dispute with Affirm on XX/XX/XXXX. * * Affirm 's dispute handling was improper : * * 1. Affirm closed the dispute against me based solely on XXXX 's claim that " service was performed as described '' without independent verification. 2. When I requested the evidence Affirm relied upon, they refused to provide it citing " confidentiality policies. '' 3. Affirm blocked me from opening a new dispute. 4. Affirm is threatening negative credit reporting ( {$110.00} overdue ) for a loan tied to a service not delivered as agreed. Additionally, XXXX deleted my communication history with the host and their customer service while my dispute was active- yet told Affirm the service was delivered. XXXXXXXX XXXX own records show they acknowledged the accommodation change and the host 's unresponsiveness. * * I am requesting : * * Full cancellation of Loan ID XXXX ( {$640.00} ), removal of any negative credit reporting, and disclosure of the evidence used to close this dispute against me.

Company response to consumer: Closed with explanation