vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My account randomly got locked on XX/XX/year>, Ive spoken to fraud they told me contact customer service I contact customer service they tell me go to a branch. They keep running me around and locked my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
* * Date : XXXX XXXX XXXXXX/XX/XXXX * * From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : [ XXXX ] ( XXXX : XXXXXXXX XXXX XXXX XXXX Borrower Defense Application # : XXXX XXXX XXXX XXXX XXXX Subject : * * Borrower Defense Application Missed Decision Deadline, Status Clarification, and Request for Immediate Determination To Whom It May Concern, I am writing to formally request an update and resolution regarding my XXXX XXXX to Repayment application associated with my attendance at the University XXXX XXXX. I submitted my application on XX/XX/XXXX, and it has remained in in review status continuously since that date. As of today, XX/XX/XXXX, my application has been pending for over XXXX years with no updates, no requests for additional information, and no determination issued. Under the XXXX v. XXXX settlement, my understanding is that post-class applicants are to receive a decision within XXXX years of submission. Based on my application date, the XXXX decision deadline has passed. Despite this, I have received no communication regarding approval, denial, or exclusion from relief. Additionally, although my application was submitted shortly after the XX/XX/XXXX class cutoff, I never received any notice clarifying whether I was classified as a post-class applicant or formally excluded from class protections. I am requesting explicit clarification of my status. I respectfully request the following : XXXX. Confirmation of whether I am classified as a class member or post-class applicant under the Sweet v. McMahon settlement. XXXX. Confirmation of whether the Department considers the three-year decision deadline to have passed in my case. XXXX. A detailed explanation for the lack of movement or communication on my application for over XXXX years. XXXX. A clear and specific timeline for when I can expect a final determination. XXXX. Consideration for discharge of my federal student loans due to the Department exceeding the required decision time frame without issuing a determination. For additional context, I have previously received restitution payments from the Federal Trade Commission related to enforcement actions involving the XXXX XXXX XXXX. I have retained copies of these payments and can provide documentation upon request in support of my claim. Given the extended delay and lack of communication, I am requesting immediate review, escalation, and resolution of my application. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OK

Complaint narrative:
I am filing a complaint against Western Union regarding an uncashed money order in the amount of {$500.00}. I purchased a money order in XX/XX/year>, with them at a XXXX that I worked at. Me and over XXXX people bought money orders and they all came back as fraud. Since I worked at the XXXX, I knew it wasn't on me or my team. Western Union then stated to the XXXX that a specific amount of money order papers came back as undetectable by them meaning they had no proof of purchase showing up in the system. I've submitted XXXX refund requests, called over XXXX times, got transferred and escalated to multiple departments each time I call and now today XX/XX/XXXX, I've received an email that stated they would not send my money back to me. This delay is unreasonable and has caused me to go to eviction court and I almost lost my apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial has violated under the UCC 9-609, by going to my home, where they encounter my father, asking where I was. Continued to sit the yard for a while after they were told I was not there. They also had notice of cease and desist. It is a violation under the Uniform Commercial Act, the NC Unfair and Deceptive Trade Practices Act, and the Fair Debt Collections Act. I has also not received any repossession papers regarding who took it, had it, or anything. * see attachments *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> my card was fraudulently charged {$720.00} by XXXX XXXX XXXX I contacted my bank Broadview XXXX to tell them I didnt authorize that charge and they refunded the money and said I will hear back in about 30 days with their decision. About 30 days later they took the {$720.00} back. When I called them they said they did not receive a response from me to the letter they sent out. I let them know I didnt receive a letter and the representative sent it to me by email and said respond asap. I responded the next day and provided documentation showing that XXXX never submitted any claims to my insurance company for that date which is illegal. I can not answer why they didnt submit the claim but I provided them with my health insurance card and they are required to bill insurance first. Then I provided Broadview XXXX with proof that a claim was never submitted for that day of service that I was charged {$720.00}. Broadview XXXX representatives told me that XXXX is not disputing the charge but they took the money back simply because I did not respond in time. I requested documents that they used to make their decision which they said I can request, however they said there are no documents to provide as XXXX did not dispute anything or provide any documentation. Therefore XXXX wrong for them to deny my refund based on the information provided to them by me and lack thereof from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX. 2026 someone heck into my account taking money from my savings, checking account and credit card. I went down to the bank within 2 hours to find out if was a scam no longer trusted phone calls. I explained to them what happen they put down for investigation for fraudulent activity. After the investigation they decided not to refund my money it was XXXX dollars. I remember that guy on phone mention something about XXXX. I called XXXX let them know about what happen because the same day XXXX informed me that money went to XXXX XXXX XXXX with someone with a debit card ending in XXXX. XXXX is still investigating the case. I believe it was inside job with Wellsfargo because the banker who help me stated to me I sure hope they help because I been working here but there is something going on that not right with the bank and I am not a part of it. To make me more feel like it was inside job because I spoke guy from my wellsfargo credit card and told him it is part of the investigation. That representative told me this how wells fargo feels they scammed you not us and that are not and will not be giving you your money back. He stated I don't know why they lie to people knowing that not trying to give them their money sure he as hesaid it wellsfargo denied my claim and made it seem like I just gave a complete stranger my money I work so hard for and now can not find a lawyer to help 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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Lease
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: TX

Complaint narrative:
I am financed with Westlake Financial and I am trying to get my car registered in Texas i am XXXX XXXX XXXX i have emailed called and my local dmv has faxed them also to get some kind of title or some kind of proof i own the vehicle Westlake Financal has emailed back to me and the dmv saying they will send the title over to them and it would take up to 3 weeks the dmv and i have waited the 3 weeks and we contacted them again now Westlake Financial is claiming that they have no proof of anyone sending them any kind of request for anything the dmv and i have requested something from them 4 times and still nothing there are more issues we have with that company also they refuse to lower our interest rate and telling us there is no possible way they can send our title to the dmv our vehicle is not payed off and i understand they cant send us the title because of that but in the very first email they have ever sent me they said they can send it to the dmv my vehicle has been in this situation since XX/XX/year> and ive been trying to resolve this issue since XX/XX/year> i just need to get my car registered in Texas but Westlake Financial is making it very hard to do so i have tried to get rid of my vehicle and nobody will take it because of the lease we have with Westlake financial if i would have known how this company was i would have never used them i proceeded to look up reviews of them and it seems like almost everyone has been in this situation before

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized ATM withdrawals from my Cash App account that I did not make or approve. On XX/XX/year>, XX/XX/year>, a total of {$380.00} was withdrawn from my account through ATM transactions. I did not authorize these withdrawals, I was in possession of my card at the time, and I did not share my PIN or account information with anyone. As soon as I noticed the unauthorized activity, I immediately reported it to Cash App and filed a dispute. Despite this, Cash App denied my claim and has refused to provide a refund or proper resolution. I have attempted to contact them multiple times, but they continue to state that the transactions were authorized without providing sufficient explanation or evidence. These transactions are fraudulent, and I am requesting that Cash App conduct a proper investigation and issue a full refund for the unauthorized withdrawals. I am also requesting better protection for my account and a clear explanation of how these transactions were approved without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank has locked my account and is refusing to provide access to my most recent statement or confirm whether a merchant credit has posted. It has taken me several calls to get my account unlocked even escalating to a manager who would not give me the information that I needed & it is still not visible online. Customer service repeatedly tells me they can not access it because the account is locked. What kind of a bank is this that won't show transactions when you go on line to check transactions. Why does this have to be a battle every month? This is the third time in three months that Synchrony has locked my account, hidden my statement, and declined legitimate purchases. The 2nd time was just a day or two after they promised they would not do it again. Most companies call immediately if they are unsure of a transaction. Not just flat out denying & locking the account even from the client. I am trying to close this account, but I can not do so safely without confirming that a credit has posted and reviewing my final statement. Synchrony will not show the statement, will not confirm the credit, and will not unlock the account long enough for me to view required documentation. Even if the statement becomes visible tomorrow, this repeated pattern of locking my account and blocking access to my own transactions needs regulatory attention. I have requested a statement reprint and a transaction detail report, and both were refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I consolidated my federal student loans in XX/XX/year> after being advised that my prior PSLF qualifying payments would be credited under the IDR/PSLF adjustment. As of today, my PSLF payment count has not been updated to reflect my prior qualifying payments, and my monthly payment has increased. I have contacted MOHELA previously and no corrective action has been taken. I am requesting a full review of my account, correction of my PSLF qualifying payment count, and placement on the correct income-driven repayment plan.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
CFPB COMPLAINT Mortgage Servicing / Escrow Account Error Loan Servicer : Rocket Mortgage Complaint Summary I am filing this complaint regarding escrow account errors and mismanagement of my mortgage account following multiple servicing transfers. Details of the Issue In XX/XX/XXXX, I received notice from my mortgage servicer that my escrow account required a payment of {$1700.00} to prevent an increase in my monthly mortgage payment. I paid the required amount and the funds were drafted from my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. My mortgage was later transferred from XXXX XXXX to Mr. Cooper and then to Rocket Mortgage in XX/XX/XXXX. After logging into the Rocket Mortgage system, my account incorrectly shows an escrow shortage despite the payment previously made. I attempted to contact Rocket Mortgage through their support channels. After waiting more than an hour on the phone, I was informed that representatives did not have sufficient historical account records to resolve the issue and that they could not correct the error. I continued to make my normal monthly mortgage payments based off the last information I had knowledge of to protect my credit, but the escrow shortage appears to be the result of improper record handling during the servicing transfers. Desired Resolution This complaint is being filed after submitting a Notice of Error to Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing this complaint because Citi has repeatedly denied my billing dispute ( Case XXXX ) for a charge of {$870.00} from XXXX XXXX in XXXX, XXXX, without adequately evaluating the substance of my claim. The basis of my dispute is material misrepresentation and deceptive sales practices not buyer 's remorse or price dissatisfaction. While traveling in XXXX, I was brought to XXXX XXXX and subjected to a high-pressure sales environment in which the merchant made verbal representations about the quality, authenticity, and value of a pendant ( silver setting with pink star XXXX XXXX that were material to my decision to purchase. I was pressured into signing paperwork and providing my passport before I had adequate opportunity to review the documentation. After leaving the store and reviewing the paperwork, I discovered it contained no objective or verifiable information regarding gem quality or grading, metal purity or certification, or any independent valuation basis. Comparable items a silver pendant with pink star sapphire are widely available on platforms like XXXX for under {$100.00}. I paid {$870.00}. When I contacted the merchant the following day to request a refund, they refused and instead attempted to upsell me on additional items, further demonstrating the predatory nature of the transaction. I filed a written dispute with Citi in XX/XX/XXXX, including supporting documentation. Citi denied the dispute citing the merchant 's invoices, signed paperwork, and a passport copy. I submitted a detailed written rebuttal on XX/XX/XXXX, explaining that authorization does not equal informed consent when material information is misrepresented or omitted, and that under Visa dispute rules a transaction can be authorized yet still invalid where consent was obtained through deceptive sales practices. Citi has not engaged with this argument and continues to uphold the denial based solely on the merchant 's refusal to issue a credit. The merchant 's refusal to refund is not a valid basis to close a FCBA dispute. Citi has an independent obligation under the Fair Credit Billing Act to investigate the merits of my claim. They have failed to do so. I am requesting the CFPB require Citi to conduct a proper review of this dispute under misrepresentation and deceptive sales practice standards, and to reverse the {$870.00} charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for reporting inaccurate, incomplete, and unverifiable information on my credit report. This account contains late payments and/or collection reporting that I dispute and believe is not properly verified. Despite previous disputes, the company continues to report this account without providing adequate documentation. This is a violation of my rights under federal law. Violations & Legal Grounds ( Important Section ) FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable investigation FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information FCRA 623 ( a ) ( 8 ) : Failure to properly investigate direct disputes FCRA 609 ( a ) : Failure to provide documentation upon request FCRA 605 ( a ) : Reporting potentially obsolete or inaccurate data FDCPA 807 ( 15 U.S.C. 1692e ) : False or misleading representation of a debt FDCPA 809 ( 15 U.S.C. 1692g ) : Failure to validate the debt Dispute Reasons/ Codes Account is inaccurate/ incomplete Late payments are not verified No proper method of verification provided Account ownership and balance are in question Company failed to provide original creditor documentation Reporting without sufficient evidence of legal authority What I Want ( Be Direct This Matters ) I am requesting the following : Immediate deletion of this account from all credit bureaus Full documentation of the alleged debt, including : Original contract Complete payment history Proof of assignment/ownership Written confirmation of investigation results If XXXX XXXX XXXX XXXX not provide proper verification, they must delete this account immediately.

Company response to consumer: Closed with non-monetary relief