vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Since approximately XX/XX/year>, I have repeatedly requested a loan modification or other loss mitigation assistance for my vehicle loan. I sought help before my account reached its current delinquent status and made multiple attempts to work with the company to avoid repossession. My financial hardship began after I was forced to evacuate my apartment due to toxic mold contamination stemmed from a natural disaster. I was homeless and living out of my vehicle for approximately XXXX months. During that time, I lost most of my personal belongings and business equipment. I am also XXXX and have been dealing with a XXXX XXXX XXXX XXXX XXXX which requires ongoing XXXX XXXX XXXX XXXX Despite explaining my hardship and requesting assistance, I have repeatedly been denied a loan modification. The company has not provided a meaningful explanation of how eligibility is determined and appears to rely primarily on automated processes. I have also repeatedly requested to speak with a supervisor or someone with authority to review my circumstances and supporting documentation, but those requests have been denied or ignored. I am concerned that my application and supporting information have not been reviewed by an individual with authority to make a fair determination. Instead, I continue to receive denials without a meaningful review of my situation or any realistic assistance options. As a result, my vehicle is now at risk of repossession even though I sought help well before reaching this point. I am requesting that the company conduct a thorough manual review of my account, hardship circumstances, and supporting documentation by a qualified decision-maker and provide a clear explanation of any determination regarding loan modification or other available assistance programs.

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

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) for an unauthorized transfer of {$2000.00} from my Cash App savings account on XX/XX/year>. On XX/XX/year>, I was approached in person by a XXXX who asked me to donate to his high school basketball program. I agreed to send a small donation via Cash App. When I attempted to scan his QR code, he took my phone from my hands without permission. While he had physical control of my phone, he accessed my Cash App account and transferred {$2000.00} from my savings balance without my authorization or consent. He then deleted the Cash App app from my phone and ran off. The username that he sent it to is XXXX I did not initiate, authorize, or approve the {$2000.00} transfer. I only intended a small donation and never willingly surrendered control of my phone or account. This was a clear case of physical theft and unauthorized account takeover. I promptly contacted Cash App support regarding this theft. They assigned me Case Tracking Number XXXX. As of today, I have not received a resolution or refund despite explaining the circumstances. I also reported the incident to the police on XX/XX/XXXX XXXX this is the only number theyve given me for this case This unauthorized transaction has caused me significant financial hardship. I believe Cash App failed to properly secure the account against this device takeover and has not adequately investigated or refunded this clear unauthorized transfer, which conflicts with their obligations under Regulation E and the CFPBs prior enforcement actions against Block , Inc. for fraud and unauthorized transaction handling. I request that Cash App : Treat this as an unauthorized electronic funds transfer Reverse the {$2000.00} transaction Refund the full amount to my account immediately Provide any additional relief the CFPB deems appropriate Attached documents include : Cash App Case Tracking Number details, transaction records showing the {$2000.00} transfer, communications with Cash App, police report ( if available ), and account statements

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There are some differences charge offs on my credit report that is hurting my score they are already fixed and sent to third parties can u guys get them of my report also I have old personal info that is no longer accurate that I would like deleted

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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX my date of Birth is XX/XX/XXXX and the last Four Of My social security Number is XXXX, I am a Victim of Identity Theft and This is a Fraudulent Creditor that is not mine and must be removed under the Outline of the FCRA, This has affected my credit scores and has violated my rights as a consumer and under the Outline of The FCRA, I am enforcing my rights, and I am requesting an immediate removal of these fraudulent creditors that are not mine, This the fraudulent Creditor that does not belong to me named Target/TD ACCT # XXXXXXXX XXXX XXXX XXXX The fraudulent date was XX/XX/XXXX this was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwood Financial, LLC.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a financial hardship request along with all required supporting documentation in connection with an existing payment agreement being handled through a debt collection law firm. At the time of submission, I was informed that the review process would take approximately two weeks. I followed up multiple times as the review remained pending beyond that timeframe. On XX/XX/year>, I was informed that the client had not yet responded. On XX/XX/XXXX, I was advised to continue making payments as scheduled. On XX/XX/XXXX, I followed up again due to no resolution. On XX/XX/XXXX, I was informed that the matter had been escalated to the client and that a response was expected that week. On XX/XX/year>, I was again informed that the matter had been escalated to the client, but no final decision or timeline was provided. As of today, nearly two months after submission, I have not received a final determination regarding my hardship request. I have not been provided with approval, denial, or written confirmation of any temporary payment arrangement such as a hold, forbearance, or modified payment plan. This ongoing delay has left me without clear guidance on my payment obligations while the hardship review remains unresolved, despite repeated follow-ups and prior representations that a decision would be forthcoming. I am requesting assistance in obtaining a final determination of my hardship request or written clarification of my current payment obligations while the review is still pending.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: NE

Complaint narrative:
On XX/XX/year>, multiple unauthorized transactions were made from my Cash App balance. The transactions that remain in dispute are XXXX XXXX {$170.00} to XXXXXXXX XXXX XXXX XXXX XXXX {$170.00} to XXXX XXXX XXXX XXXX XXXX {$53.00} to Attock These transactions totaled {$410.00} and occurred on the same day as other unauthorized transactions that Cash App investigated and determined were unauthorized. Cash App approved and refunded some transactions from this incident but denied reimbursement for the three transactions listed above, even though they occurred as part of the same sequence of activity and were made back-to-back with the transactions that were approved. I did not authorize any of these transactions, did not make these purchases, and did not receive any benefit from them. After discovering the unauthorized activity, I promptly reported it to Cash App and filed a dispute. Cash App denied my dispute. I then submitted an appeal and explained that these transactions were part of the same unauthorized activity as the transactions Cash App had already refunded. Cash App later denied my appeal and stated that its original decision was correct. However, Cash App has not provided evidence demonstrating that I authorized these transactions or explained why transactions from the same unauthorized incident were treated differently. I am requesting a full reinvestigation of the denied transactions totaling {$410.00}. I also request that Cash App provide the evidence relied upon to determine that these transactions were authorized, including device information, login records, IP addresses, authentication records, and any other documentation used during its investigation. Resolution Requested : Reimbursement of the unauthorized transactions totaling {$410.00} and a complete explanation of the basis for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Company : SYNCHRONY FINANCIAL ( Synchrony Bank ) Complaint Description : I am filing a formal dispute against Synchrony Bank regarding the abrupt, automated closure of my Lowes Rewards Credit Card account. Synchrony issued a letter stating they closed the account because they were " unable to verify identifying information on this account. " This automated determination is demonstrably false, arbitrary, and represents a failure of the banks internal Know Your Customer ( KYC ) data validation systems. I have a tier-one credit profile with a credit score above XXXX, have resided at my current residential address for over 30 years, and maintain active, open accounts with multiple other federal lenders who have XXXX issues verifying my identity. Furthermore, I have been a loyal, active user of this Lowes card, making regular large purchases ( including countertops and appliances ) that were successfully delivered to my verified home address and paid in full immediately. Synchrony Bank 's automated systems have acted in bad faith by terminating a perfect-standing account without first attempting to contact me or requesting manual identity documentation. This reckless closure harms my overall available credit mix and utilization through no fault of my own.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Date mailed : XX/XX/year> RE : Investigation Request Under FCRA 609 Unable to Verify Accounts To Whom It May Concern : I am disputing the following account on my credit report as they are unable to be verified : Please provide documentation used to verify these accounts, including any signed contracts or agreements. If not verified within 30 days, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I am trying to get a payment plan to make payments towards my credit card was told it had to be 90 days past due which it is and then I could do a payment plan option but now Im being told that the only thing they can do is waive a late fee and pay my past due amount of {$300.00} which I dont have and they are refusing to help me when I sent the information about my hardship and my award letter for being on XXXX for the credit program but was denied because they need a written statement from the doctor that diagnosed me but I didnt see a doctor I was deemed XXXX by the state of XXXX on XX/XX/year> and even had that on my award letter and still are refusing to help me I have tried to make a payment of {$25.00} and was told that even if I did make that payment it wont stop it from going to collections after XXXX months past due all I want to do is get a payment plan to be able to keep the card out of collections and to pay the card off over time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: WI

Complaint narrative:
XX/XX/year> at XXXX Central time. XXXX XXXX ext XXXX Called to address debt. He stated that the pripor collector put that I refused to pay. He asked if I had any money towards it now and I said no i have negative XXXX dollars in my account. XXXX also said " Customer service is not needed for debt collection. I did bring up that I spoke t a woman before and forgot the steps. he looked in the file and saw that it was someone name XXXX. XXXX hung up on me and did not give me any chance to ask questions. I called back again and XXXX Transferred me to XXXX and XXXX said " we did not get disconnected on accident ''. They are aware, I am sleeping in my car, jave a XXXX XXXX XXXX daughter and am trying.

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 using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Union 's handling of my fraud claim involving unauthorized debit card transactions. I reported the transactions promptly and provided all requested information. Navy Federal denied my claim and subsequently denied my appeal. However, I have not been provided with the documentation, evidence, investigative findings, or methodology used to determine that the transactions were authorized by me. I formally requested copies of all evidence relied upon in making this determination, including transaction records, IP address information, merchant responses, device information, card usage analysis, and any other documentation reviewed during the investigation. To date, I have not received sufficient information explaining the basis of the denial. I am requesting a complete review of this matter and disclosure of the evidence used to deny my fraud claim and appeal. I believe I am entitled to understand how this decision was reached and to have my claim fairly evaluated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TN

Complaint narrative:
MOHELA is engaging in unfair and deceptive practices by refusing to process my timely XXXX XXXX, miscalculating my payment from {$210.00} to over {$500.00}, and forcing an unauthorized payment delay until XXXX to artificially accrue interest. I am ready, willing, and able to pay my legally calculated XXXX amount of {$210.00} immediately. I demand an immediate manual audit of my XXXX application and a 0 % interest processing forbearance until it is corrected. I have been trying to work with them on this since XXXX of XXXX and have been gaining interest on my account since. My balance has gained about {$2000.00} in interest since first speaking to them.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am filing a complaint regarding my SYNCB/TJX credit card account. In XX/XX/year>, I contacted the company and requested that my account be closed. I was informed that I needed to pay the remaining balance in full before the account could be closed. I paid the required amount, and the account was closed with a XXXX balance. Recently, I discovered that additional interest charges and fees had accumulated on the account after it was supposedly closed, resulting in a balance of approximately {$290.00}. I never used the card after the account was closed. These charges also negatively affected my credit report and credit score. To prevent further damage to my credit, I paid the outstanding balance. However, I dispute these charges and request a full investigation. I would like the company to provide documentation showing how these charges were generated after the account was closed and to correct any inaccurate reporting to the credit bureaus. I also request reimbursement of any improper fees and restoration of my credit history if errors were made.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Date mailed : XX/XX/year> RE : Investigation Request Under FCRA 609 Unable to Verify Accounts To Whom It May Concern : I am disputing the following account on my credit report as they are unable to be verified : Please provide documentation used to verify these accounts, including any signed contracts or agreements. If not verified within 30 days, they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/year> I called into Citi Bank to see how to open a custodial account. The agent walked me through the steps to open it online and then stated I would get documents in the mail to finish the next steps. About 2 weeks ago I called for an update on the documents since I had not received them and they told me they were never sent. I asked why and they said the account was not opened as a custodial account. I asked them how did that happen since I talked on the phone for a walkthrough. They said they would do a call listening. I let them know I would still like the account with them but as a custodial account and they basically said we have to wait till we listen to the call and then we will call you back. They didn't call back so I did and the next agent was so rude and said we don't do that. It has been a lot of back and forth and they say they can't find my call. I think this is deceptive as it was an error made by the bank. The agents are not trained and provided false information. Now the company will not make this right. I would either like my account closed with a waived fee or I would like my account converted into a custodial account.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
For years I had a phone account with XXXX. There was a shooting that took place in XXXX XXXX and my phone was in the cross fire. I got a new phone but they made me basically have 2 accounts. I paid XXXX for my phone and left for XXXX. 2 yrs later I got a call/letter from jefferson capital say I XXXX plus. When I called in to XXXX that's no longer in business they couldn't help. Don't see a balance. The debt company jefferson then sent me correspondence in XXXX that the account was removed. It was removed and my score increased. Now it's back and my score dropped. I want immediate assistance. This company harass me and I don't owe a XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
Just this morning I was notified via phone call about a credit card debit, when I asked the supervisor for a letter or notification involving the credit they denied. I asked why they were denying me of my right and they simply said weve mailed it once and we will not be mailing again.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
This complaint is against Rocket Mortgage. I feel that the XX/XX/year> escrow analysis is incorrect and inflated. I request an investigation into an XXXX XXXX XXXX withdrawal of XXXX and a re-analysis of my escrow. There was a withdrawal from my escrow account, XXXX XXXX XXXX : XXXX, in XX/XX/year>, leaving a negative balance and a recorded shortage of {$5100.00}. There is no indication of what this is for, or who was paid, and received no notification of this transaction. There is only XXXX deposit on the XX/XX/year> escrow analysis, which seems odd. I switched insurance companies in XXXX 2026, so there are XXXX charges for XXXX XXXX in the XXXX analysis in addition to the XXXX XXXX XXXX, leaving my actual total disbursements to {$8000.00}. The projection reads : Escrow account projection Description Annual XXXX XXXX Tax {$450.00} XXXX XXXX {$1800.00} Hazard Sfr {$3300.00} Total annual taxes and/or insurance : {$5600.00} New monthly escrow payment : {$460.00} The summary for my updated payment adds a shortage payment of {$430.00} Taking my monthly payment from {$1400.00} to {$1900.00}. I was able to confirm that my new property taxes for XXXX are XXXX My current home insurance rate is XXXX and is not recalculated until XX/XX/year>. I entered all the transactions into a spreadsheet dating back to the origination of the mortgage, but the figures do not correlate with the information in Rocket Mortgage 's escrow analysis. Thank you for your help with this matter.

Company response to consumer: Closed with explanation