vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
At XXXX XXXX XX/XX/26, I stopped for gas at the XXXX store # XXXX in XXXX Ohio. I parked at pump # XXXX and used my CAPITOL ONE VISA at the pump, inserting and removing it quickly as indicated. The pump then asked for my ZIP code to verify, which I did, keying in the correct number of XXXX. Even though my valid and always paid-up card was used and accurately verified, the pump indicated the transaction was declined. Moments later I got a text from Capitol One, asking if I tried to make " this purchase '' with my SPARK Classic Miles Card. It read : XXXX Declined {$150.00} However, I did not, of course, try to purchase {$150.00} in gasoline, which my small XXXX XXXX would not hold in any event. In fact, the card did not allow me to purchase ANY gasoline, and I was fortunate that I has enough cash to get anough gas to get the 90 miles home. Yet CAPITOL ONE VISA still allowed XXXX XXXX XXXX XXXX to place a {$150.00} " hold '' charge on my account, without notifying me and without my assent. Capitol One Bank MUST BE AWARE that this practice is unethical if not illegal, and is the subject ot miltiple class action suits, and that when queried, XXXX XXXX XXXX XXXX informed me that this practice is not its policy, but the policy of the bank card. PLEASE See below for the action I am requesting of CFPB. It is troubling and remarkable that this known practice is the subject of class action lawsuits, yet Capitol One continues to remain in business with, and does allow such transactions using its card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
SoFi bank is closing my checking and savings account. They didnt give me a reason why Im confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: LoanCare, LLC
State: OK

Complaint narrative:
Entered into a trial payment with the mortgage company on a lowered payment plan, about {$200.00} lower a month. I made arrangements with my personal bank to automatically send the monthly mortgage payments to the mortgage company. After the trial payment plan had been agreed to and accepted, the mortgage company reached out to set me up on automatic payments causing two payments to be taken out in XXXX of XXXX. I called the mortgage company to confirm the payment was going to be applied to the principal. I was notified by a representative from the mortgage company that one payment was applied to my XXXX mortgage properly, and one payment was applied to the XX/XX/XXXX trial 's payment, with the next trial payment not being due until XX/XX/XXXX. In the end of XXXX, I received a letter letting me know I was no longer eligibile for the trial program due to the XXXX payment being made too early. I was not told or given a warning that the extra payment would kick me out of the program when I confirmed in XXXX the payment had processed. I would have taken steps to mitigate the issue. On my end, as I understood it, I had paid and was in compliance. I have been in contact with my mortgage company that has now placed my loan in foreclosure as of XX/XX/XXXX, and I am ineligible to attempt to apply for payment assistance again due to the termination or speak to anyone regarding an appeal of the decision.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint regarding Capital One charging and retaining a {$39.00} annual fee on a credit card account that I was never able to use. I was approved for a Capital One credit card. Shortly after approval, the account was flagged by Capital One for suspected fraud and restricted. Because of this restriction, I never had access to the card and was unable to activate or use the account at any time. This restriction was particularly confusing given my established relationship with Capital One. At the time, I already had other accounts with Capital One, including a BJs Mastercard, another Capital One credit card, and I had previously paid off an auto loan through Capital One. Despite this existing relationship and payment history, the account was still flagged. A Capital One representative later informed me that documentation such as identification and income verification had been requested. However, given my long-standing relationship with the bank and my existing accounts in good standing, I found these additional requirements unnecessary and unreasonable. Capital One subsequently closed the account without providing me with clear notice that the account had been closed. I only learned of the closure when I contacted them directly. Despite the fact that I never had access to the account and Capital One never had to provide any servicing related to the card, the bank still charged and collected a {$39.00} annual fee. When I contacted Capital One to request a refund of the fee, my request was denied. Charging and retaining an annual fee for a credit card account that was restricted by the bank and never usable is unfair and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I submitted my buyback request on XX/XX/XXXX through the XXXX XXXX XXXX reconsideration process. At the time of submission, I had already reached 120 qualifying PSLF payments. Since submitting the request, I have contacted my loan servicer, Nelnet, multiple times to obtain a status update. I have been told repeatedly that there is no estimated timeline for review or resolution. I called to request updates on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these attempts, I have received no updated or expected resolution date regarding my buyback request. The delay has just about exceeded one year and is preventing completion of my Public Service Loan Forgiveness process even though I have reached the required qualifying payments with approval of the buyback request. Because this request is almost pending for over a year without a determination or timeline, I am requesting that this complaint be escalated for review by the Department of Education to determine why my PSLF buyback request has not been processed and to provide prompt written resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>. I went into the BANK OF AMERICA center to cash a check after I was getting a runaround because I tried to cash it online first and they told me Id have to weigh all the way until the XXXX thats way too long for me to access my money after I waited two weeks to access it from my job already. I have bills and stuff that I need to be paid so I said let me just go into the check cashing and see if I can cash it real fast I couldnt cash it because I already wrote on the back only for deposit at Bank of America I was told to write down the back in order to mobile deposit it but I canceled it because they told me it will take so long. I went into the center yesterday and they gave me a receipt. The lady at the counter told me that the money is gon na process and it will be available for me tomorrow by XXXX XXXX. I even got a receipt saying the same thing now Im going to my account today and its telling me that my money is on hold all the way until the XXXX, which is a whole extra week. That is ridiculous and why would you lie and tell me that my money will be available? I even have a receipt saying that I came in person with my passport my ID I came with all my information. This is me so Im not understanding what is there to verify if I was to cash this check at the check check cashing. I wouldve had the money already, but because I had to write that stupid line of Bank of America on the back just for them not to work out in my favor I couldnt cash a check in person and now its still not trying to give me my money. This is unacceptable. People have stuff and bills that they have to pay that money should be in my account and if you figured out, it was fraud after then you take the money out of my account. You just dont just take my check and take my money so now Im just left here for over a week without no funds. They dont care about their customers thats very selfish. And I also goes against what they advertise, told me in person and also gave me a receipt of, which is why Im making this complaint. Another thing, I find it so funny how in the end of XXXX I cashed a check for {$50.00} and I was able to give it to me in two days not that Im cashing a check for a little under {$800.00} is all these delays? Im not understanding and {$800.00} aint even all that much, if this bank broke or what???? Definitely going to look at other banking options because I can not believe this, and I was suppose to be going out of town this weekend now I cant cause this stupid bank

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, multiple unauthorized transactions totaling {$260.00} were made on my account without my knowledge or authorization after my account was compromised. The repeated charges were from a merchant called XXXX. As soon as I noticed the activity, I contacted Navy Federal Credit Union and reported the fraud. Initially, I received a provisional credit while the investigation was pending. However, the credit was later removed. During the claims process, a representative added a XXXX transaction to the claim without my consent. I did not request for that transaction to be included. I only asked for the repeated XXXX charges to be disputed. After this addition was made by the representative, the provisional credit was reversed. I attempted to contact the merchant XXXX directly by phone and email to obtain information about where the order was shipped. I never received a response, and later received an automated email stating delivery status delay, as if the email could not be delivered. I explained to Navy Federal that the claim had been filed incorrectly and that the unauthorized charges were only related to the XXXX transactions. I also informed them that my account had been compromised and provided proof of the fraudulent activity and attempted charges even after my account had been frozen. Despite providing documentation and explaining the error in how the claim was submitted, Navy Federal denied my fraud claim twice and held me responsible for these unauthorized charges. I am requesting that this matter be reviewed, that the investigation be reopened, and that the fraudulent transactions be properly credited back to my account. I have a negative balance of {$170.00} I will not be held responsible for this.

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 2026-03-12 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting reconsideration of a denied billing dispute regarding merchandise that was delivered in a tampered and incomplete condition. On XX/XX/2026, I purchased a XXXX XXXX XXXX XXXX valued at {$230.00} from Kohls. The package was shipped via XXXX and was marked delivered at XXXX XXXX on the delivery date. The package was received immediately by my mother, who noticed right away that the shipping box appeared opened and tampered with. Later that day, when I returned home from work and inspected the contents, I found the XXXX XXXX box inside the package ; however, the watch itself was missing. The watch box was empty. I therefore did not receive the merchandise that I purchased. Photographs documenting the opened package and empty watch box are attached. Actions Taken to Resolve the Issue 1. Initial Contact with Merchant ( XX/XX/2026 ) On the day of the incident, I contacted Kohls through their chat support to report that the package arrived opened with missing contents. I was instructed to file a dispute with my credit card issuer, Capital One, which I did in good faith. 2. Police Report Filed Due to the missing item and apparent tampering, I filed a police report documenting the incident. 3. Contact with XXXX After my dispute was denied, I contacted XXXX at approximately XXXX XXXX on a later date to request a tampering investigation. XXXX informed me that only the merchant ( Kohls ), as the shipper, can initiate a carrier tampering claim. 4. Follow-Up with Kohls I contacted Kohls again immediately after speaking with XXXX and requested that they open a carrier investigation. Kohls declined to do so, denied my request to speak with a supervisor or loss prevention team during earlier contacts, and directed me to reopen my claim with Capital One instead. During a later escalation with a supervisor, Kohls confirmed they would not issue a refund or replacement and provided incident number XXXX. Instead, they offered {$20.00} in Kohls Cash for a {$230.00} loss, which I declined because it does not resolve the missing merchandise. Dispute Outcome Despite submitting detailed statements explaining that the package was delivered opened and incomplete, Capital One denied my dispute based on delivery confirmation. Delivery confirmation only verifies that a package reached my address ; it does not establish that the merchandise was delivered intact or as described. The item purchased was not received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the following charged-off accounts that appear on my credit report with TransUnion. These accounts should be reviewed for accuracy and completeness, as I believe there are discrepancies regarding the dates, balances, or other reporting issues : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$0.00} Please also review the following inquiries listed on my TransUnion credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Please investigate these items and provide a resolution accordingly. Thank you for your prompt attention to this matter.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Tesla, Inc.
State: AL

Complaint narrative:
Agency : Consumer Financial Protection Bureau Complaint Text I am submitting a complaint regarding repeated fraudulent billing attempts by Tesla , Inc. related to its XXXX network. I own a XXXX XXXX XXXX XXXX located in Alabama. My Tesla account has repeatedly been charged for XXXX sessions occurring in California even though my vehicle has never been in California. Tesla customer support representatives have acknowledged that this issue appears to involve cloning or spoofing of my vehicles VIN within the XXXX system. Despite acknowledging the problem, XXXXesla has not implemented a permanent solution. Because I locked my credit card to prevent fraudulent charges, Teslas system repeatedly flags my account for unpaid Supercharging balances and disables my ability to use the XXXX network until I contact Tesla and request that the fraudulent charges be manually removed. This has resulted in : repeated fraudulent billing attempts loss of charging access for my vehicle hours spent on the phone with Tesla customer service unnecessary credit card replacements and account changes Tesla instructed me to change my password, username, and payment methods, but later acknowledged that these actions would not resolve the problem because it originates within their charging system. The ongoing fraudulent billing attempts and denial of service create a financial and operational burden for me as a consumer. I am requesting assistance in requiring Tesla to correct this billing vulnerability and ensure that I am not repeatedly billed for charging sessions that are clearly occurring in another state where my vehicle is not located.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I guess what happened was I had an auto loan back in XXXX and I got my car repossessed in XXXX it was a lease at the time and after that I got in debt with my XXXX XXXX XXXX XXXX of {$1000.00}, and then I had an loan with my bank of {$500.00} and they closed it back in XXXX as well I got about 4 collections on my credit, and now I got an {$26000.00} student loan with school because I just graduated from college.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A former XXXX client of my XXXX XXXX committed fraud by contacting her bank and submitting a claim stating that the transaction she made to my XXXX XXXX via XXXX was a fraudulent payment transfer. I have submitted evidence at least three times showing that the payment was legitimate. I have shown the payment was for legal services and I provided a copy of the Memorandum I produced for the former client, as well as the Invoice for the payment. Well Fargo and XXXX refuse to accept my evidence and my Zelle Tokens remain blocked. I am currently suing the former client for her fraudulent actions. I did not commit any fraud. I was paid for performing legitimate XXXX services for the former client. Yet, I am being treated as if I committed fraud, when in fact, it was the former client who committed fraud. After I completed the work for the former client she demanded a refund. I follow the proper procedures mandated by the State Bar of California and held the disputed amount in my.IOLTA ( Ttust Account ) for 30 days as required. I provided the former client with the necessary documents for Fee Arbitration. The former client failed to properly dispute the fee with the XXXX XXXX County Bar Association within the 30 days alloted. At that point the former client had no more right to dispute the fee through the proper channels. However, after the 30 days expired, the former client contacted her bank and lied to them by stating that the transaction was fraud. This matter needs to be resolved ASAP. I have not been able to use XXXX either for personal or business purposes since XX/XX/year>.

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 2026-03-12 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: FL

Complaint narrative:
My dispute was accepted then denied when I clearly didnt get any money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC
State: KY

Complaint narrative:
I had a car accident back in XXXX 2025. I had owed $ XXXX on the car when it happened. My insurance paid {$14000.00} of the $ XXXX. I have autogap insurance which is paying the difference of {$6400.00}. Ive sent global lending services my autogap insurance papers and also my cause of loss papers twice like they asked of me, they told me the first time that they would put it in the system for gap insurance department to see it and take care of it, this was last Friday. Today they had me send it again because they said that they didnt have it on file. After I sent them the files again I asked them how long would the process take to finish and come off of my credit. They told me that it could take 30-90 days to be completed and that I also should keep paying on the car even though its totaled out and not in my possession anymore.

Company response to consumer: Closed with explanation