vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
They keep sending me in circles to retrieve these funds from their bank. Im tired of it I want to sue for emotional and mental distress as well as my finances

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 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We hired a contractor XX/XX/year> to make improvements to our home and add XXXX Additional Dwelling Units. Or contractor applied for us for XXXX loans totaling approximately {$500000.00}. This project was to be completed within one year, prior to the promotional offer expired. 

When complete we were told we could apply for a XXXX XXXX XXXX or a reverse Mortgage to pay this loan off. 

Since the contractor never finished the build, left our home demolished and filed for bankruptcy, we have no way to make these payments. 

Our current thoughts lead us to bank FRAUD. How did all of these lenders give us money without even having a discussion with us about our ability to repay these loans. If our income was ever looked at we would have never qualified for these loans. 

Another thought is WHY was all these funds distributed directly to our contractor? Why didnt they have to prove work completed and get an additional draw?

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
Randomly my Cash App account said I needed to have a photo ID to verify my account but when I tired to it wouldn't let me do it, it would automatically say that it couldn't verify me and make me do the process all over again to the same thing. I asked support for help but they kept giving me the same answer and eventually told me to just wait for awhile and try again. I already have been trying all morning for it. I even asked if they could do a manual verification but told me that I couldn't do it due to policy leaving me with missing my money of {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
TRANSWORLD SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
This issue is not resolved. Please reopen XXXX or allow my email XXXX or my phone number XXXX access so I can make an account. 

I can not make account. This issue is not resolved. I need help reopening XXXX or regaining access to my email or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I initiated a purchase for a 2026 Tesla Model Y Long Range AWD ( Order XXXX ) through Tesla 's online ordering system. During the financing application process on Tesla 's website, I was shown a pre-approval at 2.99 % APR. I proceeded with the order based on this rate.

However, when I reached the final financing step to complete the purchase for this same order, the APR suddenly changed to 7.99 % - a 5 percentage point increase. This is a material difference that made the monthly payment significantly higher than what I had been pre-approved for at 2.99 %.

I have an exceptional credit score of 800+, which should qualify me for the best available rates. There was no explanation provided for why the APR increased so drastically between the pre-approval screen and the final offer, nor was there any disclosure that the 2.99 % rate was conditional or subject to change. 

Unable to proceed with financing at 7.99 %, I canceled my order on XX/XX/year>, and requested a refund of my {$250.00} Order Fee. Tesla is refusing to refund this fee, citing their order agreement that fees are non-refundable after submission. However, my cancellation was directly caused by Tesla 's material change in the financing terms between pre-approval and final offer.

I formally disputed this with Tesla via email to XXXX on XX/XX/year>, requesting a refund of the {$250.00} Order Fee, a written explanation for the APR change, and confirmation that my order is canceled. I believe Tesla 's practice of showing one APR during pre-approval and then switching to a much higher rate at final approval constitutes a deceptive financing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/2025, I received a notice from Sequium Asset Solutions ( Ref : XXXX ) regarding an alleged debt to XXXX. I formally disputed this debt via email on the same day and requested full validation, specifically requesting a copy of a contract bearing my signature, as I never signed a contract with XXXX. 
Sequium acknowledged the dispute on XX/XX/2025. I allowed 30 days for them to provide proof. They failed to provide any documentation. On XX/XX/2025, I sent a Final Notice demanding they close the file due to their failure to validate the debt.

As of today, Sequium has failed to provide validation, has failed to prove I have any legal obligation to pay this debt, and has failed to confirm the closure of the account despite my formal dispute. They are in violation of the FDCPA for failing to provide validation upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XX/XX/XXXX I submitted a complaint to you all stating My name is XXXX XXXX XXXX bank with Citi Bank my account number with them is XXXX I've recently had 2 unfortunate tragedies happen to me back to back pertaining to fraud I've submitted a 2nd claim Monday XX/XX/XXXX case/reference number XXXX I've explained the situation to them several times and the reason being of even the transactions because of lack of verification from them I have been calling back to back every single day this week practically begging for someone to note that I need this matterexpedited/escalated and every representative that I have spoke to have worded that provisional credits would be credited up to 10 business days but since I've asked for the matter to be expedited/escalated it should take up to 3 days I asked could provisional credits be funded back to my account XX/XX/XXXX I received a check from Citi Bank with the funds from the dispute I opened and Im not able to cash the check anywhere Ive tried everywhere I called Citi once 1 representative told me to try giving it to somebody I trust and letting them cash it or do a mobile deposit nothing is working and no Citi Bank representative gave me no more options to resolve the issue they are all saying its no other payment method they can provide me

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I attempted to deposit a retirement check for approximately {$10000.00} into a Chase ATM located outside the Chase branch in XXXX, NY. 

The ATM malfunctioned and issued a receipt instructing me to contact the branch to confirm receipt of my check. 

I filed a claim with Chase. The claim was later closed with Chase stating the check was not received, without providing confirmation of a full ATM audit or rebalance.

Chase branch staff were unable or unwilling to assist further despite the documentation.

I later confirmed with the check issuer that the check was never cashed and had to request a reissued retirement check.

I am submitting this complaint due to Chases failure to properly investigate an ATM malfunction involving a high-dollar check and for closing the claim without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing an electronic fund transfer error related to Chase Pay in XXXX on my checking ( debit ) account. On XX/XX/2024, a XXXX in XXXX debit of {$120.00} was posted and later removed by Chase. Chase then issued XXXX credits of {$120.00} on XX/XX/XXXX and XX/XX/XXXX, while leaving a separate debit of {$120.00} posted on XX/XX/XXXX. 
I did not authorize duplicate credits, nor did I request the original debit to be removed. These debits and credits were initiated electronically by Chase as part of its XXXX in XXXX system. Chase now claims this is my fault and states that Regulation E does not apply, instead demanding repayment without properly correcting or reconciling the account ledger. 
A debit of {$120.00} that posted on XX/XX/2024, for my Pay in XXXX purchase has disappeared from both my account and Chases records. Despite this, credits related to the transaction remain, and the account is not properly reconciled. Chase refuses to investigate and claims this is not subject to Regulation E. I am requesting a full investigation, correction of the account ledger, and written confirmation of the correct total paid and remaining balance. 
This constitutes an electronic fund transfer error, including credits not properly applied and incorrect debits, under Regulation E. I am requesting that Chase be required to formally investigate, reconcile the XXXX in XXXX plan, correct the erroneous transactions, and provide written confirmation of the correct balance. 
XXXX showing credits on XX/XX/XXXX and XX/XX/XXXX, and charge on XX/XX/XXXX, with XX/XX/XXXX debit missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Reverse 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: Peer Advisors, LLC
State: PA

Complaint narrative:
This is HUD adminstered by XXXX. The XXXX taxes were under a payment agreement with XXXX XXXX, but HUD stepped in and paid them. They claim to have sent me a repayment agreement, I did not make the payments, they sent me a default notice. Then someone showed up in our driveway without notice and started taking pictures. He refused to provide ID or even a reason. We filled a police report but then found that HUD had sent him. That was several weeks ago. Today it happened again, no notice, no ID and we filed a police report again. I paid the full amount of the repayment agreement : the late payments in XXXX and the rest XXXX weeks ago, have gotten no acknowledgement. I also have notified them that I will be paying the XXXX taxes late, in XX/XX/XXXX, but have received no acknowledgement or paperwork. 
I can not get anyone on the phone and do not get responses to emails. This is harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I asked that my stocks be moved. The company did move most of it but kept XXXX share of my XXXX and sold it. Now they refuse to give me my money back. I have reached out to the company and they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
on XXXX XXXX, I was taken advantage of a scammer that was pretending to be fraud prevention. I called fraud imediatley. They suspened the account and started a new one to transfer the funds in my account. I informed them and anyone else in customer service that it was an emergency situation and that I do not have acess to my money during this time. I was told that it would take XXXX business days to close the account and be able to have acess to my online banking so I could purchase food to survive. I'm running low on food and need to be able to purchase groceries. I was lied to by U.S. Bank personnel that my account would be ready to go sunday, then monday, then tuesday. It's Wednesday and they're still not ready to go. I've been on the phone with customer service and Fraud Deparment every day for the past four days for atleast an hour and half each time. Still the old account not closed. I get to starve and go hungry while Fraud department and cooperating groups take way too long to rectify this situation. the request to close the old account was finally finalized today. After XXXX full days and XXXX business days, they still haven't done anything. Every time I call they keep denying me acess to my hard earned money and waste my time.

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 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: RS Clark and Associates, Inc.
State: SC

Complaint narrative:
There is an account from RS Clark & Associates with the original creditor of XXXX XXXX account # XXXX opened XX/XX/year> in the amount of {$72.00} that I did not open and do not know who did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One credit card that advertised a {$200.00} welcome bonus after spending {$500.00} within the first 3 months of account opening. I was approved for the card. 

After using the card, the {$200.00} welcome bonus was not applied to my account. I contacted Capital One customer service on XX/XX/year> and was informed that I was not eligible for the bonus due to my credit score at the time of application. 

I contacted Capital One again on XX/XX/year> and was told that I need to wait until after the XXXX promotional period for the bonus to post, even though I have already met the {$500.00} spending requirement. This explanation conflicted with the prior statement that I was not eligible due to my credit score.

I then spoke with a supervisor, who stated that there are many factors involved in determining eligibility for the welcome bonus but was unable to identify which specific factor applied to my account or explain why the bonus was not applied.

The advertised offer did not state that the welcome bonus was limited based on credit score.

I am requesting that Capital One apply the advertised {$200.00} welcome bonus to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
Received a XXXX that was clearly incorrect. Basic math told me it was incorrect. Called Sallie Mae to let them know my tax form was incorrect and explained that the math was not adding up. The customer service person reviewed my account and then came back and told me to consult a tax professional on my own. 

I then contacted a different representative from Sallie Mae over the online live chat to explain the situation again and why the tax form could not possibly be correct because the reported interest received by lender was nearly half of my total loan amount. She told me to calculate it on my own and that Sallie Mae would not be reviewing or correcting my XXXX form. I asked to be put in contact with their tax department. She told me that they do not speak with customers. Once again, she told me to calculate the interest paid on my own by going through every single payment I made on every single loan for the year. 

The total I paid in interest for 2025 was over {$40000.00} less than what they provided me to report to the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
As advertised when setting up a checking account with chase in XXXXXXXX XXXX  you are able to XXXX for doing so, by keeping account open and getting deposits of XXXX or more XXXX a month.. I set up a secure checking account with them and was told I'd def get the XXXX. After having the account I noticed transactions not done by XXXX, the account owner XXXX so I disputed odd transactions I NEVER once got compensated back for being honest about any them as well.. I was forced to get a new debit card. I joined XX/XX/year> and still they refuse to give me the XXXX intive for signing up .. XXXX now when I call she says i had a bank account within the past 3 years. Which is not true literally makes no sense I feel scammed and taken advantage of BAD!! almost as if someone working there took my XXXX and then switched my account to something else to prevent me from getting it and cover there XXXX. the fraud dep with them does NOT help in anyway when needing help fast with fraudulent transactions..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX I received XXXX checks in my mailbox. XXXX check from the dept of treasury for a prior year income tax in the amount of XXXX. My other check came from a settlement that I was part of in the amount of XXXX. I deposited them both into the account, thinking that my checks wouldn't have been held due to the longevity of the account being open. after depositing the cashier tells me that there's a hold in place until XX/XX/XXXX, the day the checks are clear. He gave me a number of customer service over the phone to ask for the hold to be released. after leaving I called the number and asked about the hold. the person i spoke with assured them they would be clear after the holiday in the a full amount. So XX/XX/XXXX I called and told customer service my funds were not released as promised by the previous person spoken to on XXXX XXXX. They told me the funds would be released later that day but they never did. the next person I spoke to on XX/XX/XXXX told me the checks cleared on XX/XX/XXXX and to check back then. I decided to go into the branch for further clarification. Id, and sec form of id, and the teller tells me my account is restricted. I said no its not I just spoke on the phone with someone and i asked why they were restricting my account, and the response was closure of my account. In disbelief I asked to speak to their supervisor. they said it was bout an hour wait, I said I'd wait. someone who works in the teller area comes and calls customer service and asks for the reason for the closure. they said I had an account in XXXX that had gotten closed. I immediately responded and said I've never banked with chase, and he said well your social came back as a match to having an account. I said it must be fraud because I never did. plus when I opened the account I ran into a similar issue and we took care of it and I verified it was not me who had opened the account in XXXX and they opened an account for me back in XXXX XXXX they accused my checks to be fictacious. which they weren't and came back and cleared on the XXXX of XXXX. I'm waiting on a check that was sent out on the XXXX and still has yet to come. its the XXXX now, and still nothing. my check is XXXX and I would like my money, for XXXX I didn't do anything to have this account closed, I did nothing fictacious, and I was putting money into the bank. it doesn't make sense why they did this. my family and I need our money for food and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My daughter received an email from XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXX about a debt that I owe and have included in a debt relief program for which I have an agreement with a place called XXXX XXXX and the agreed upon amount to close this debt was paid on XX/XX/XXXX. The listed XXXX  as the debt collector when this agreement was signed. I am disgusted that this collection agency has now decided that they will try to collect on the SAME DEBT and not even email me but email my daughter with all of my information in the email. I would like this debt removed as it is illegal to collect on a debt that has already been settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is 1513 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation