vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, American Expressed opened a case in order to resolve purchase protection claim XXXX This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On or around XX/XX/year>, I was XXXX by an impersonation scam involving individuals posing as XXXX customer support. I believed I was communicating with legitimate XXXX representatives who stated they were assisting me with a refund related to a purchase issue. During this interaction, I was misled into following instructions that resulted in unauthorized access and activity on my Cash App account. As a result, {$990.00} was transferred and converted into XXXX from my account without my informed consent under fraudulent pretenses. After discovering the issue, I contacted Cash App support to report the fraud and request assistance. I also continued to follow up on this issue over time, including contacting them when it first occurred and reaching out again in subsequent years to seek resolution. Cash App informed me that claims had been filed and investigated ; however, the outcome was repeatedly denied on the basis that the transactions were considered authorized due to account access. I requested additional information including claim numbers, investigation details, and supporting documentation regarding the handling of my fraud report. This information was not fully provided to me. I am submitting this complaint because I believe this was a fraud case involving impersonation and deception, and I am requesting a full review of how the case was handled, including prior claim history and investigation notes. Requested resolution : I am requesting a full refund of the {$990.00} loss due to fraud, as well as a formal reassessment of how this case was investigated and classified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: OH

Complaint narrative:
They gave me misleading information. The process that I used was not from a linked bank account. The money came from my Cash App balance that was sent from another Cash App user. I cant understand why they are telling me it came from a linked bank account. It is th wrong auto response. I have screenshots of there policy which states usually it is less than 24 hours and this is not a usual to cancel a transaction for refund back to the card it came from. I used the wallet or tap to pay the XXXX store associate states she has to send it back and I re- tap my wallet for the refund which I believe to be instant refund back to me. My refund is still pending. This transaction happened at approximately XXXX yesterday Wednesday, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: VA

Complaint narrative:
Day charged me for every transaction that I made on my account.And then they did not put it back online account, then I tell you down to block other companies from charging me and they did not and now I have been charged so many different fees on my account and it does not make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
Company : XXXX XXXX XXXX Loans Issue : Mortgage / Escrow / Property Taxes What happened : I purchased my home through Veterans United Home Loans and moved in on XX/XX/XXXX. As a first-time homeowner, I relied on my loan officer and lender to clearly explain how property taxes would be handled. During the loan process and at closing, I was under the impression that property taxes would be paid through escrow as part of my monthly mortgage payment. This was my understanding based on how the process was explained to me. After closing, I received money back, which was presented to me simply as extra money returned after closing. It was not explained that this money was connected to property taxes or that it needed to be set aside for a specific purpose. Because of this, I reasonably understood it to be a general refund and had no reason to believe it was intended to cover future tax obligations. I was later notified of a property tax bill of approximately {$2400.00} due XX/XX/XXXX, which came as an unexpected financial obligation. This created financial strain because I was not informed that I would need to plan for this payment separately. I am not disputing responsibility for property taxes from the time I took ownership of the home on XX/XX/XXXX. However, I am concerned that : * There was a lack of clear communication regarding escrow and tax responsibilities * The funds returned to me after closing were not properly explained * I may be charged for time prior to my ownership I am requesting : * A full review of my loan and escrow account * A clear explanation of how escrow was handled * Clarification on whether any portion of this tax bill reflects time before I owned the home * Consideration of assistance or resolution due to the lack of transparency This situation has caused confusion and financial hardship, and I am seeking clarification and accountability.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Subject : Dispute of Debt Bankruptcy Claim To Whom It May Concern, I am currently in a XXXX XXXX XXXX and recently reviewed the unsecured claims filed in my case. I am formally disputing the following account : Navy Federal Credit Union ( Account ending in XXXX ) Balance : {$12000.00} I do not recognize this account and have never used or authorized it. I have no knowledge of this debt and am not responsible for this balance. Please provide documentation that verifies this account belongs to me, including any application or agreement with my signature. If you are unable to provide valid proof, I request that this claim be removed from my bankruptcy case immediately. I am also working with my bankruptcy attorney to address this matter through the court. Thank you for your prompt attention. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP

Complaint narrative:
I am filing a complaint regarding an account that was closed but is still being treated as active with incorrect fees and collection-related notices. I visited a U.S. Bank branch in XXXX, California XXXX XXXX XXXX area ) on XX/XX/year>, and requested to close my account in person. The representative processed the closure and took my debit card at that time. I was informed that the account was closed. However, I later received notices stating that my account had insufficient funds and that a {$15.00} fee was charged starting XX/XX/year>. This is incorrect because the account had already been closed. On XX/XX/year>, I contacted customer service and was clearly told that no balance was due and that I did not need to make any payment. Despite this, I am now receiving PAZ collection notifications. This is an error on the banks side. I request the following : 1. Written confirmation that my account was closed in good standing as of XX/XX/year> XXXX. Removal of any fees or charges applied after closure 3. Immediate cessation of any collection activity related to this account 4. Confirmation that no negative information has been or will be reported to any consumer reporting agencies ( including ChexSystems ) I am currently outside of the United States, so visiting a branch is not possible. This issue must be resolved remotely.

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 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/year>, Shellpoint Mortgage Servicing sent me confidential non-public personal information ( NPI ) belonging to another borrower a clear violation of the Gramm-Leach-Bliley Act and Regulation P, regardless of whether my own data was simultaneously exposed. Shellpoint acknowledged this incident in a letter dated XX/XX/year>. As their sole remedy, they issued a {$89.00} virtual prepaid Mastercard ( via XXXX XXXX / XXXX ) with a 6-month expiration and forfeiture clause a conditional, expiring instrument with no direct cash value and third-party enrollment requirements. I responded in writing requesting a cash-equivalent credit to my loan account and written confirmation of their internal compliance handling of this incident. I have not received an adequate response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I placed an order on XX/XX/year> for two vacuum cleaners {$74.00} through XXXX ( XXXX ). They didnt have the two I ordered so they did a substitution and charged my card an hour later for {$100.00}. I returned both items on XX/XX/year>. I waited out the XXXX plus days that XXXX told me to wait, no refund came to my card. I made my dispute with Goldman Sachss Apple credit card on XX/XX/year>. I provided my return receipt, I provided the original receipt with XXXX. They denied the claim with no explanation. I cant talk with anyone in disputes only people reporting the dispute. I reopened it twice, denied. I even called XXXX on a conference call with Goldman and the agent told them everything should have been refunded. XXXX only issued a refund of {$53.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MA

Complaint narrative:
Boy oh Boy. Direct Express Surely loves playing games with benefits that are government protected. First off I spent more than XXXX hours in XXXX. In an attempt to.havr my cancelled Purchase refunded to XXXX XXXX. Ai wrote about 10 different letters and Made more than 60 phone calls. It 2asnt until I filed a complaint XXXX XXXX and the CFPB did direct express take action. But not quickly because the refund that should have went back into my account the same day. Took until XX/XX/year> to receive it. In the amount of XXXX. 3 Months! Now its XX/XX/XXXX and Direct Express has decided to REVERSE the credit of the XXXX. Overdrafting my account and again leaving me short about XXXX dollars to pay my rent and monthly bills. This is absurd by any measure. Seem to me they put the money back because of complaints. Waited 30 days .. and is now reversing the credit that was supposed to be permanent! This bank is a joke and playing with folks money who live on a fixed income is an even bigger joke. They held MY MONEY for 3 months. Refused to issued refund. When you call your on hold for hours at time. Then they make you repeat yourself XXXX times as they pass you person to person. And act brand new at each stage of the call. Then say sorry we cant help. I am not even gon na begin to go through that stress again. Ill.let the CFPB handle this. Because I have not the time or patience to deal with that routinely steals money from government benefits and act like its legal. Please see previous XXXX complaints filed. Because their action to overdrawn my account again today is blatently postureous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On Tuesday XX/XX/year> I wired {$2000.00} from another business I own to an account at TD Bank. To date, the bank has not credited the wire to my business account at TD Bank. Its stuck in their " compliance '' department without reason. They refuse to provide and additional information This is theft of fund

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, i received a notification and email stating that my cashapp account has been deactivated due to violation of Terms of Service! When i reached out to cashapp support, they told me that they couldn't give me further information about it & that they would have to investigate because it was system generated. I was told since XXXX that i will hear something back within XXXX business days. In XXXX, i reached out again for another update since it has been past the XXXX business day window for them to investigate and was told yet again i will have to wait another XXXX business days. So i called instead and filed a complaint then was told that it will take XXXX business days from XXXX. As of recently XX/XX/year>, i received a email stating that I'll hear an update within yet another XXXX business days and now it's the end of XXXX. It's been well past the XXXX business days window and yet again i am reaching out for another update. I been waiting XXXX months for a response on my cashapp account and been receiving little to none updates from cashapp support team. This is beyond frustrating and inconveniencing! As well as very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Complaint Against Mercedes-Benz Financial Services Inaccurate Repossession Reporting I am filing a complaint regarding the reporting of a repossession account on my credit report by Mercedes-Benz Financial Services . The company has verified this account as accurate with the credit bureaus ; however, the information being reported is incomplete and unverifiable. Specifically, the company has failed to provide critical details related to the repossession and disposition of the vehicle, including : - The date of sale or disposition of the vehicle - Documentation showing compliance with legal requirements for the sale - A full and accurate accounting of any remaining balance Despite this, the account continues to be reported as a repossession, which is misleading and may be inaccurate due to missing required information. Under the Fair Credit Reporting Act, all reported information must be complete and verifiable. Reporting a repossession without providing key details regarding the disposition of the vehicle raises serious concerns about the accuracy of this account. I am requesting that Mercedes-Benz Financial Services : 1. Provide full documentation supporting the repossession and subsequent reporting 2. Correct or delete the repossession status if the information can not be fully verified 3. Ensure all reporting complies with applicable laws If the company can not provide complete documentation, this account should be removed from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CL Holdings LLC
State: CT

Complaint narrative:
Under 15 U.S.C. 1681s-2 ( a ), companies that furnish information to credit bureaus are legally required to report information that is accurate and complete. Reporting information that can not be verified, or that contains inaccuracies, may constitute a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
I was sued by Velocity on a debt I disputed. They never sent court admissible proof of validation. After waiting 75 days, they sent a stack of printouts that name multiple owners and contained a page purported to have been account info from 4 years ago. The printout had contact information I did not even have at the purported date. They sent a broken chain of title. There are no less than 6 different legal entities shown to own this previously settled account. Their complaint with the summons names a completely different entity than the one they have on the bill of sale. They refused to provide the underlying terms agreement on this mass block sales of loans that come with disclaimers from the seller. Their affidavit is a robo affidavit and the woman signed tio it has no first hand knowledge of the account in question. They are in current noncomplaince with a court ordered discovery. They pushed through a false proposed order and 'won ' the case until I successfully had the court vacate the error. I have warned them multiple times that I have XXXX XXXX issues and please stop pushing the suit, yet they continued, aggressively. I have had to be prescribed 3 separate additional XXXX medications to combat the stress and anguish this long case has cause me. I have been sued for 10 months over a debt the credit bureaus have investigated and removed completely. I have filed a federal suit against Velocity for their conduct in the current case. The case should have never been filed against me. Lastly, they have told the CFPB, the SCDCA, and the XXXX of NJ that they know I disputed the debt. Yet, to 3 different judges in live court and through their filings they told the court falsely that I admitted the debt. I NEVER ADMITTED THE DEBT. They contorted a hardship statement that was sent in the same envelope with the FDCPA Dispute Letter. They cherry picked and contorted my words.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
On XX/XX/XXXX I cancelled my JetBlue Mastercard. Since I had already been charged the {$99.00} annual fee earlier in that billing cycle, I was advised by the phone representative that the card would be closed immediately and the annual fee would be credited to the account in 15 days. She said that I did not have to pay my bill- the only amount due was {$99.00} for the annual fee- and that after those 15 days the credit would post to the account which would update my balance to be {$0.00}. I received a bill on XX/XX/XXXX showing I still owed the annual fee and was being charged a late fee. On XX/XX/XXXX, after 15 days have passed, the annual fee still shows as being charged to me. This is in error- since I closed the card within the agreed upon terms to receive a refund of the annual fee, please remove that charge from my account and confirm a {$0.00} balance.

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 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
on XX/XX/year> I made my car payment early like I do every month. However, on XX/XX/year> a second payment was drafted for my account for the same amount even though this months payment was already made. I have contacted the company in which the loan is through four times since Monday and have been offered no help. I have also contacted my bank and they also stated that they could not do anything that it was up to the loan company to refund the money. Every month since Ive opened the loan, I have made the payment a few days earlier than it is supposed to auto draft and it has never come out two times. I use that money to pay my rent however, now Im sure almost {$800.00} and I dont have the money to pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scolopax, LLC
State: SC

Complaint narrative:
Subject : Dispute of Debt Bankruptcy Claim To Whom It May Concern, I am currently in a XXXX XXXX bankruptcy and recently reviewed the unsecured claims filed in my case. I am formally disputing the following account : Scolopax ( BFSC ) Balance : {$3600.00} I do not recognize this account and have never used or authorized it. I have no knowledge of this debt and am not responsible for this balance. Please provide documentation that verifies this account belongs to me, including any application or agreement with my signature. If you are unable to provide valid proof, I request that this claim be removed from my bankruptcy case immediately. I am also working with my bankruptcy attorney to address this matter through the court. Thank you for your prompt attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation