vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I made a purchase totaling {$1000.00} and later returned all items to the merchant. The return was delivered and confirmed received on XX/XX/year> ( XXXX tracking XXXX ). After the return, the merchant failed to issue a full refund. I then filed a dispute with my financial institution. The dispute was partially approved, and I received a refund of {$530.00}, but the remaining {$530.00} has not been refunded. The merchant is currently in possession of all returned merchandise and has explicitly refused to issue the remaining refund. In written communication, the merchant stated that because the chargeback was filed, they will not process the rest of the refund and directed me back to my financial institution. I contacted my financial institution ( Navy Federal ) regarding the remaining balance. During one call, I was informed that an agent would open another dispute for the remaining amount ; however, no additional dispute was ever initiated. In a subsequent follow-up, I was then told that they are unable to open a new dispute or take further action on this transaction. As a result, I am left without the merchandise and without the full refund owed. I am requesting assistance in recovering the remaining balance of {$530.00} for merchandise that was returned and accepted by the merchant but not fully credited.

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 2026-03-25 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: Zip Co US Inc.
State: GA

Complaint narrative:
I am submitting a complaint regarding Zip ( Zip Co ) and order number XXXX. I was advised by a Zip representative to withdraw a dispute in order to regain access to my account. I followed this instruction in good faith, based on the expectation that my account would be reinstated. However, after withdrawing the dispute, I was informed that I would still not be able to regain access. This is inconsistent with the guidance I was given by your representative. Additionally, the dispute being referenced only reflects the original loan amount of {$69.00}, not the total {$140.00} I was charged. Based on my records, this does not align with the actual activity on my account. I have screenshots of my account from the date in question showing that no additional funds were added that would account for the difference, and that the late fee included would not reasonably bring the total to {$140.00}. I also have my bank statements and supporting documentation showing that this was the only order disputed and the actual amounts involved. These records demonstrate that the {$140.00} total being referenced does not accurately reflect the transaction as presented. I also previously contacted Zip via email regarding this issue and have not received a response for over XXXX weeks, despite following up. This lack of response has prevented me from resolving the matter directly through customer support. At this time, I believe I was misinformed in the guidance provided regarding dispute withdrawal and account reinstatement, and that my billing/dispute issue has not been accurately reviewed or resolved with the proper documentation considered. I am requesting : 1. A full and accurate review of my account using the available transaction records 2. A detailed explanation of how the {$140.00} total was calculated 3. Clarification on why only {$69.00} was considered in the dispute despite documentation indicating otherwise 4. An explanation for why I was instructed to withdraw the dispute in exchange for account reinstatement, but was still denied access 5. A fair resolution based on the evidence I have provided, including screenshots and bank statements 6. A response to my prior email inquiry that has gone unanswered for over 3 weeks I am prepared to provide supporting documentation as needed and expect this matter to be reviewed thoroughly and resolved accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I tried to deposit a check thru cash app. When they declined to deposit it I reached out to support as to why when it's a US Treasury check from the IRS. They only said check can't be post dated or future dates which my check was dated XX/XX/year>. Nothing else was told to me as to why. But to be able to deposit it in the app you have to write under your endorsement cash app mobile deposit only on the before you submit your check. But they declined it so now I have that on the back of my check and no other bank or check cashing place will cash my check now due to that on the back of my check. Cash app instructed me to do that and I think that if they aren't gon na deposit a check they shouldn't have you write anything on your check until they are XXXX percent sure that they will deposit it. So I'm the mean time my electric was cut off and bills I planned to pay didn't get paid. Its not my fault I'm any way that I'm responsible for this policy they have and I feel as tho I should be compensated for having to borrow money to get my electric paid and my insurance on my car that lapsed and just worked hard to get my refund only to have this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App regarding the prolonged and unjustified withholding of my funds. My Cash App account currently reflects a balance of {$600.00}, which has been inaccessible for over XXXX years. Despite multiple attempts to resolve this issue directly with Cash App, I have not received any clear explanation, resolution, or timeline for when my funds will be released. Cash App has restricted access to my funds without providing proper notice or a valid reason. While temporary holds may be reasonable for review purposes, retaining funds for over XXXX years without resolution is excessive and unjustified. Cash App has failed to provide transparency, meaningful communication, or a path to resolve this issue. This has caused financial inconvenience and concern. I am requesting assistance from the Consumer Financial Protection Bureau to intervene and help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Hello, I have been trying to get a hold of CashApp but with XXXX luck on my end. There seems to be XXXX disputes for {$720.00} stuck in some review process. I've gotten credit for all of the other charges on my accounts from the fraudulent merchant, but Cashapp has not been willing to share what is going on with that dispute that started on XX/XX/XXXX, and now were more thatn XXXX days since i filed the dispute. I need someone from CashApp to respond to my messages via text or respond to my complaint, or just give me a call with an update. my account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
I have XXXX mortgage loans serviced by Rocket Mortgage and have been a longterm customer. I make partial mortgage payments to loan number XXXX from each paycheck, which Rocket Mortgage holds in suspense until a full monthly payment is accumulated and then applies to the next due date. My payment history was accurate through early 2026. The XX/XX/XXXX payment was fully satisfied by XX/XX/XXXX, the XX/XX/XXXX payment was fully satisfied by XX/XX/XXXX, and the XX/XX/XXXX payment was fully satisfied by XX/XX/XXXX, before the due date. After XX/XX/XXXX, all subsequent payments should have been applied toward the XX/XX/XXXX payment and then XXXX. However, Rocket Mortgage misapplied XXXX partial payment as a principalonly payment instead of holding it in suspense. After that error, all later partial payments were improperly held in suspense, causing my account to incorrectly show a payment due for XX/XX/XXXX even though sufficient funds had already been paid. I submitted a help ticket and was told I would receive a response within XXXX days. I received no response. I later called customer service and was told the issue should have been resolved by XX/XX/XXXX. While on that call, a representative manually changed several transactions and applied them to XXXX. This corrected XXXX only but did not perform a full reconciliation of the account. As a result, my account still incorrectly shows XXXX as unpaid, even though I made XXXX partial payments after XX/XX/XXXX ( on approximately XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) totaling more than a full monthly payment. Based on the chronological order of payments, XXXX should be fully satisfied and XXXX should be partially satisfied. I sent a formal written escalation email to Rocket Mortgage but received no acknowledgment or response. The account remains inaccurate despite missed response timelines and a promised resolution date. I am requesting that Rocket Mortgage perform a full retroactive reconciliation of my payment history, correctly apply all partial payments in chronological order, confirm that my account is current, and provide written confirmation of the corrected payment history. I am also concerned about potential downstream impacts to my account or credit reporting if this servicing error is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I attempted to consolidate aporoximately XXXX debt with American Express by participation with their Financial Relief Program. Numerous attempts to change my bank account number FAILED. This included XXXX customer service calls, XXXX email to the CEO, numerous feedback requests asking for assistance to the Amex site and an email that bounced to the XXXX based Amex Executive Secretary. All of this is saved in screenshots, call records and emails. The lack of professional conduct, bank account number update and a resolution constitutes harassment. I get numerous emails per week stating that an update is needed and save every bit of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent capital services. /LVNV is a debt buying agency That comes during the last minute of bankruptcy to file unsubstantiated bills and claims. Without giving the debtor myself the opportunity to review these claims or the opportunity to settle these claims No documentation information has been provided to myself. The debtor to establish the validity of these claims. The aforementioned companies XXXX a will established track record with the federal government. I've been a predatory lender involving multiple suits by state-federal and civil clients For violating proof and lending and fair lending laws. I'm asking about an investigation.Be open by the state of florida in regards to their lending and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally dispute an unauthorized transaction on my account in the amount of {$3400.00} made via " Pay Anyone '' on XX/XX/year>. This transaction was not authorized by my free will. It was the result of a sophisticated romance scam where the perpetrator specifically targeted my federal income tax refund. At the time of the transfer, I was experiencing a severe medical emergency ( a documented XXXX XXXX ) and was coerced and forced under extreme emotional duress to complete the payment. Under Electronic Fund Transfer Act ( Regulation E ), a transfer obtained through fraudulent inducement and coercion while a consumer is in a state of medical duress constitutes an unauthorized electronic fund transfer. Transaction Details : Amount : {$3400.00} which was transferred from XXXX in my XXXX account to my chime it is my ( Federal Tax Refund ) Date : XX/XX/year> Recipient Chime Name/Tag : XXXX Transaction ID : XXXX I am currently in the process of filing a report with the XXXX Police Department and the FBIs Internet Crime Complaint Center ( IC3.gov ). I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Chimes liability for transfers obtained through fraud and coercion. I am requesting the following : 1. An immediate investigation into this fraudulent recipient. 2. A full reversal of the {$3400.00} to my account. 3. A provisional credit within 10 business days as required by federal law while the investigation is pending. Please acknowledge receipt of this dispute immediately. I have also filed a formal complaint with TIGTA ( the Treasury Inspector General ) because my federal tax refund was stolen through coercion and fraud. Chime has refused to even look into it or dispute it for me this is my income tax money and I was targeted I am newly divorced with XXXX kids no help from their dad like times are hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My payment keeps getting reversed. Ive called multiple times XXXX fix the issue XXXX gone XXXX the physical branch XXXX fix the issue. At the branch ( XXXX, XXXX XXXX, Florida. XXXX : XXXX ) the associate rekeyed my info in for me, XXXX ensure it was correct. I made a payment after XXXX it was reversed again. When calling in XXXX fix the issue, I told the bank, after my loan is paid off, I never want XXXX bank account or have a loan with them, due XXXX the lack of support or answers XXXX getting. XXXX which the representative told me, I should have just bought my car in cash if I didnt want a loan. Then she hung up on me. Ive been calling for XXXX weeks XXXX made XXXX XXXX XXXX a branch without resolution. Ive not changed my account info. Ive had this loan on auto pay since taking it out. Ive successfully made payments up XXXX this point. I dont understand what changed XXXX why this is an issue all of a sudden.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home 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: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
Statement of Fact : I am filing this complaint because Select Portfolio Servicing ( SPS ) has failed to conduct a " reasonable investigation '' of a formal Notice of Error ( 12 CFR 1024.35 ) received by them on XX/XX/year>. My dispute identified a critical error : SPS offered a 90-day " bridge '' forbearance for a medically certified XXXX intensive XXXX protocol for my son. I provided an oncologist 's certification from XXXX XXXX XXXX XXXX stating my presence is " medically necessary '' for 45 clinic visits per week, making full-time employment impossible for the next 12 months. The Violation : XXXX In their " Dispute Resolution '' letter dated XX/XX/year>, SPS stated they completed a " full review '' and determined " no error occurred. '' However, in the section " Documentation Relied Upon, '' SPS failed to include or even reference the oncologists letter or the treatment plan provided. By their own admission, they ignored the primary evidence of the dispute. Requested Resolution : > I request that SPS correct the error by extending the current forbearance duration to 12 months to align with the certified medical treatment phase, as the current 90-day " bridge '' creates an immediate and unavoidable " imminent default '' once it expires in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NJ

Complaint narrative:
I am submitting this complaint regarding a Total and Permanent XXXX ( XXXX ) discharge application being serviced by XXXX. The application was submitted in XX/XX/XXXX and has remained in processing for several months. Since submission, the account has shown repeated updates stating the application was sent for processing on multiple dates, including XX/XX/XXXX and XX/XX/XXXX. Despite these updates, the account continues to incorrectly state that the XXXX documentation is incomplete. All required documentation has already been submitted, and no clear explanation has been provided regarding what is missing or why the application has not been completed. There has been no meaningful progress or resolution for an extended period of time. This delay is excessive and indicates a failure to properly process the application. I am requesting immediate review, correction of the account status, and a final determination on the discharge without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
b"I am filing this complaint against JPMorgan Chase for the unfair closure of Claim XXXX I purchased an item from XXXX XXXX on XXXX XXXX XXXX, which was never received. On XXXX XXXX XXXX, I received a voicemail from a Best Buy supervisor XXXX XXXX stating that their internal department reviewed the case and concluded the best resolution was for me to file a dispute with my bank for 'item not received.' Despite the merchant's own supervisor explicitly authorizing and directing me to resolve this through a bank dispute, Chase has closed the claim in the merchant's favor. Chase is ignoring the merchant's own verbal admission and instruction to reverse the charge."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prog Holdings, Inc.
State: NY

Complaint narrative:
I contacted this platform concerning a late payment, I have orders with this platform named four. They send sms messages to inform you of when the payment is due I didnt receive that I have informed them of this several times before and did nothing when you miss a scheduled payment they charge a XXXX late fee on top of a XXXX processing fee they also are charging me for an item I didnt receive from XXXX I submitted an email showing the item was cancelled on my XXXX account and they rejected my claim and still are charging me full price instead of adjusting my payment due biweekly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. Please Remove/ Deleted the following Items. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation