vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: PA

Complaint narrative:
In XX/XX/year> I was involved in a car accident which the car was totaled my car insurance XXXX paid the West Lake Financial entire balance off which was XXXX. XXXX XXXX later contact me about a {$3000.00} that was owed. When I purchased the loan with XXXX XXXX that was laid each month along with my insurance. I mentioned the XXXX XXXX that should cover. Westlake denied my XXXX XXXX. I paid it each month along with my loan it was combined. I later discover that Westlake add this balance to my credit report. And when I reach out nothing been resolved. My account number with Westlake is # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Shellpoint Partners, LLC
State: WA

Complaint narrative:
When sending a letter for the foreclosure paperwork asking to meet for a Loss Mitigation they claimed the never received the package and loss Mitigation paperwork a week after the documents were placed on my door for notice of foreclosure Most recent I received a notice that my loss mitigation had been denied after 3 months of trying XXXX I called and asked what I can do to bring my account current a dollar amount of {$8400.00} with instruction to send a certified check to their Texas XXXX XXXX would bring my account current for the month. Today XXXX I was told because that amount has gone up they sent the check back to me because it was a insufficient amount as of XXXX with no call or email and letter, that was never explained by the agent and now Im told I have to send another check for over XXXX dollars more and my old certified check the funds will be help so cant bring my account current per a call on XXXX

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 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am submitting this complaint because Nelnets investigation did not resolve what I believe is inaccurate and unfair credit reporting. I had a long history of on-time payments and relied on autopay for my federal student loans. Nelnet states that autopay was canceled effective XX/XX/XXXX, but they have not provided proof showing how this cancellation request was made, whether it was completed online, by phone, or otherwise authorized. I requested documentation showing the autopay cancellation request, call logs, and proof of the notices they claim were sent. Nelnet provided copies of billing statements and general email notices, but did not provide proof of the actual cancellation request or any call history showing they attempted to contact me directly. This issue also occurred during the XX/XX/XXXX XXXX federal government shutdown. I am a XXXX employee and experienced hardship and disruption during that period. I have documentation showing XXXX employees were affected by furloughs and delayed pay during that time. Despite years of on-time payment history, Nelnet reported my account directly as 90 days late in XX/XX/XXXX, without prior 30 or 60-day late reporting appearing on my credit report. This severely damaged my credit. Once I became aware of the issue in XXXX XXXX, I immediately contacted Nelnet with confusion. I then reinstated autopay, and brought the account current. I am requesting that Nelnet conduct a more thorough investigation, provide proof of how autopay was canceled, and reconsider the reporting of the 90-day delinquency due to the lack of clear notice, the hardship circumstances, and my strong payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am submitting this complaint regarding an unauthorized and improperly handled transaction from my checking account with JPMorgan Chase Bank. On XX/XX/XXXX, a payment was sent from my Chase checking account to an individual located in another country. This transaction was made under the belief that it was a legitimate security deposit for an apartment rental. However, it has since become clear that this was a fraudulent arrangement. The individual who received the funds has disappeared, failed to provide the promised apartment, and has not returned the money. I believe that Chase failed to provide adequate safeguards or warnings for this type of high-risk international transaction, particularly given the nature and size of the payment. Additionally, I am concerned about the lack of recourse or support provided after I reported the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I have two pending refund requests from my Remitly wallet : {$800.00} requested XX/XX/XXXX and {$500.00} requested XX/XX/XXXX ( total {$1300.00} ). I confirmed multiple times I want the money back to my card/bank. Support agent has given me shifting timelines ( 5-10 days 7-10 business days from approval pending back-end approval ) and suggested canceling the refund instead of processing it. It is now XX/XX/XXXX and I still have no funds or firm resolution date. I need the refunds processed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, Banco Popular de Puerto Rico withdrew {$590.00} from my personal bank account without prior notice or authorization. The bank claims this withdrawal is related to an alleged auto loan debt from around XXXX involving a XXXX vehicle that was repossessed over 20 years ago. I have not made any payments, acknowledgments, or agreements regarding this alleged debt in decades. Recently, I received a phone call about this matter, but I clearly stated that I did not recognize the debt and that it was not mine, and I did not consent to any payment or arrangement. This debt is extremely old and appears to be time-barred under the applicable statute of limitations in Puerto Rico . Despite this, the bank proceeded to debit my account without providing any documentation, court order, or valid legal basis for doing so. When I contacted the bank, I was treated poorly and was told the funds would not be returned and that further debits may occur. As a result of this unauthorized withdrawal, I was left with insufficient funds for my basic needs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
This occurred 6 years ago. Im a single mom with XXXX XXXX. I did rent an apartment at the XXXX XXXX but I had no choice. But to look for a cheaper place. The rent went up to XXXX a month I cant afford that. I told the property manager that I would be moving out because of the rent increase having a single mom of XXXX XXXX. I cant afford that so the property manager knew fool well that I was moved out so this debt isnt mine. It needs to be removed indefinitely. Also my credit report like yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I financed a {$56000.00} solar loan through EnerBank USA ( now held by Regions Bank, serviced by XXXX XXXX XXXX, Account # XXXX ) based on a sales presentation by XXXX XXXX XXXX ( now XXXX XXXX ) that projected my net cost at {$25000.00} after {$32000.00} in government incentives. None of those incentives were ever received. XXXX has confirmed through XXXX response that NO incentive application was ever submitted for my property. The NY Attorney General filed a {$270.00} XXXX fraud lawsuit against XXXX on XX/XX/XXXX ( XXXX v. XXXX XXXX ) seeking rescission of all loan agreements. The seller has ceased all operations as of XX/XX/XXXX. I have sent Regions Bank a formal demand for rescission under the FTC Holder Rule ( 16 C.F.R. 433 ), which is printed in bold in my own loan agreement. I am requesting full rescission of this loan and release of the UCC lien on my property.

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I want to preface that I've already sent all the documentation certified mail to Gurstel. XX/XX/XXXX : After receiving a debt collection letter in regards to an XXXX account. I sent a debt validation letter to Gurstel Law Firm via certified mail requesting complete validation of the alleged debt. XX/XX/XXXX : I received packet from Gurstel including XXXX statement history. This did NOT constitute proper debt validation as required by law - no original creditor agreement, no proof of chain of custody, no documentation proving I owe this specific amount to Gurstel. XX/XX/XXXX : I sent second debt validation letter to Gurstel via certified mail requesting proper legal validation. XX/XX/XXXX : Gurstel continued sending collection letters despite repeated validation requests. Systematic Violations : This is my SECOND CFPB complaint against Gurstel Law Firm. Gurstel is engaged in a pattern of systematic FDCPA violations- they are handling TWO separate accounts involving me and have demonstrated identical violations on BOTH accounts. This proves this is not an isolated error but rather standard operating procedure for this law firm. Gurstel routinely fails to provide proper debt validation, continues collection attempts without verification, and ignores consumer rights under federal law. Their systematic disregard for FDCPA requirements across multiple accounts demonstrates a business model built on consumer rights violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: ID

Complaint narrative:
Chime was issued a refund that is confirmed processed with true value the store provided a transaction number as conformation yet they only notified me the of funds but will not release

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I have been fighting XXXX for over 3 years after they scammed me. They finally said they were going to give me my money back and they refunded many small transactions over the course of a few days and it looked like they finally were fixing it but they stopped and did not give me all of my money back. This caused my account to overdraft. I called the bank on XX/XX/XXXX and tried to explain this to them and they would not listen. They charged me {$210.00} in overdraft fees. She said she would refund {$70.00} and then submit a request to another department to have the remaining overdraft fees reviewed. This was a lie and she never did this. I called them again on XX/XX/XXXX after I didn't hear back from anyone and explained to them what I was told and that I haven't had a call back yet and they said this review isn't even a thing they do. They were very unhelpful so I went to the bank and tried to discuss this in person and the banker was very unhelpful and condescending and triggered my XXXX so I had to leave immediately. I called again and had them lock the account while I attempt to sort this out with XXXX ( it was taken over 3 years already! ) because I refuse to pay penalties based on money that was stolen from me. This bank has XXXX of XXXX while I wouldn't even be able to afford to eat because of this. It is completely unacceptable! I don't think a bank should be taking money like this and not giving it back and I also don't think a bank should be LIEING to me! This is where I keep my money I should be able to trust them. Now they are screwing with me even more because I just checked my balance and it now says I am overdrawn - {>= $1,000,000}! This gave me a major XXXX XXXX as soon as I saw it. This behavior should not be allowed from a financial institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
I was XXXX. My significant other at the time had kept my phone while I was in XXXX. She later told me she sold my Cash App and pay pal to an online XXXX gaming platform. Cash App tells me my social security is no longer able to use their services. It was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my Coinbase account was compromised and approximately {$110000.00} in staked assets were unstaked and transferred without my authorization. I had two-factor authentication enabled at the time. Coinbase confirmed the incident was an account takeover involving session token theft, with activity originating from residential proxy IP addresses traced to Ohio, which does not match my location or any recognized device. Despite XXXX being enabled, the session authenticated without triggering re-authentication. No step-up verification was applied to the {$110000.00} transaction. The activity was described by Coinbase as automated, executing multiple transactions in rapid sequence, yet no velocity checks or anomaly detection alerts were triggered. The unauthorized transactions included decentralized exchange ( XXXX ) transactions executed without my knowledge or authorization. XXXX transactions are irreversible by nature, once executed they can not be recalled or reversed by Coinbase or any intermediary. This makes the failure of Coinbase 's preventative controls the only opportunity to prevent the loss entirely, as no recovery mechanism exists once the transactions clear. I contacted Coinbase support and submitted a detailed written dispute identifying these specific control failures. Coinbase acknowledged the incident and offered a one-time credit, but refused to disclose the credit amount while requiring me to permanently waive all future claims as a condition of acceptance. I requested the amount in writing before proceeding. As of the date of this complaint, Coinbase has not provided the credit amount or resolved the case. The core issue is that Coinbase 's transaction-level controls, step-up verification, anomaly detection, and velocity checks, did not trigger on a {$110000.00} automated transaction from an unrecognized device and residential proxy IP traced to Ohio on a XXXXenabled account. Coinbase has not provided an adequate explanation for this failure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of a credit card dispute, which I believe was investigated improperly and resolved incorrectly, resulting in me being charged for a service that was never provided. The disputed charge is {$580.00} from XXXX, posted on XX/XX/year>. This charge relates to an airline ticket where the airline ( XXXX ) made a significant schedule change to the flight. This change materially altered the itinerary and made it unusable. I did not cancel the booking voluntarily, and no part of the flight was used. Despite this, Chase denied my dispute on the basis that : The merchant provided a cancellation policy and has no record of cancellation within policy guidelines. This reasoning is incorrect and demonstrates a fundamental misunderstanding of the dispute : This is not a cancellation dispute. This is a case of service not provided / merchant failure to deliver the contracted service due to an airline-initiated schedule change. When an airline changes a flight significantly, industry standards and airline policies require that the passenger be offered a full refund or rebooking, regardless of cancellation policy. Chase failed to properly evaluate this distinction and instead relied solely on the merchants response without reviewing the actual facts of the case. Additionally : I provided ( or am prepared to provide ) documentation showing the flight was changed by the airline. I did not travel, did not check in, and did not receive any service. Chase did not request sufficient supporting documentation from me before closing the case. Impact : As a result of Chases improper handling of this dispute : I have been charged {$580.00} for a service that was never provided. I have spent significant time attempting to resolve this issue through proper channels without success. I have been denied the protections typically afforded to consumers in billing disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Westcreek Financial
State: FL

Complaint narrative:
In XX/XX/XXXX, I entered into a lease-to-own agreement with Koalafi for a mattress . At the point of sale, I was promised a 120-day " same as cash '' promotional price of {$1500.00}, as confirmed in the welcome email I received. However, the company has engaged in deceptive and predatory practices : 1. Unauthorized Double Withdrawals : My bank statements from XXXX XXXX XXXX show that Koalafi has been withdrawing two separate amounts ( {$120.00} and {$60.00} ) on the same day every two weeks ( specifically on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). These unauthorized double charges total {$180.00} per period, which contradicts the agreed payment schedule. 2. Refusal to Honor Promotion : When I contacted the company to dispute these charges and request the 120-day payoff, they lied and claimed that no such promotion or contract existed, demanding a total of {$3200.00} instead. 3. Full Payment Already Made : Based on my records, I have already paid over {$1400.00} toward the original cash price of {$1300.00}. I refuse to pay any more toward a predatory balance that was never agreed upon and was inflated through deceptive marketing and unauthorized billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sezzle Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. Someone opened a Sezzle account in my name and made fraudulent transactions of {$220.00} on the fraudulent Sezzle account. I never applied for a Sezzle account. The Sezzle account is the result of identity theft. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
In XX/XX/XXXX, during my XXXX XXXX bankruptcy, my vehicle was totaled and a court-approved collateral swap was completed to replace the original vehicle under the existing loan. This process was handled as part of the bankruptcy proceedings. In XX/XX/XXXX, I voluntarily dismissed my XXXX XXXX bankruptcy due to financial hardship. Since the dismissal, I have made consistent and repeated efforts to resolve my account status with XXXX XXXX. For approximately nine months, I have contacted the company an average of three times per week seeking clarification and resolution. During these communications, I have been repeatedly informed that : The company has no record of receiving funds related to the original vehicle. The company has no record or documentation of the replacement vehicle tied to my loan. They are unable to update their system to reflect the collateral swap. They have not taken action on the account due to missing or incomplete information. Despite my ongoing attempts to resolve this issue, no progress has been made. The account remains unresolved, and I have not received clear information regarding the status of the loan, the associated collateral, or any outstanding balance. This situation has created significant uncertainty regarding my financial obligations and potential liability. I am requesting that the company conduct a full review of my account, correct any recordkeeping errors, and provide clear written confirmation of the loan status and associated collateral.

Company response to consumer: Closed with explanation