vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
Around XX/XX/XXXX, we hired XXXX XXXX XXXX XXXX to work on a small bathroom in our home. They recommended SERVICE FINANCE COMPANY to handle the loan to finance the work they would do. We were PROMISED ( with XXXX witnesses present ) XXXX month loan term with XXXX interest, zero down, and then 8 % interest for XXXX years. When their digital sign pages came it bait and switched terms to XXXX months period and 13 % interest we NEVER agreed to. See proof attached. The project went on for months as the company XXXX caused delays by dropping and breaking our XXXX, not centering lights, leaving values loose, not to mention lack of proper permits, burning our floor, etc. The project cost went up higher to {$5000.00} which we reviewed with XXXX XXXX and he approved us for that amount through Service Finance Company which he reported to us. They had not put loan through as of XXXX which we have written evidence of and did so on their own BEFORE the project was completed and even after we sent notice of defects to them they failed to reverse it. Then we got XXXX calls from Service Finance Company purporting that we agreed to terms we had explicitly REJECTED and they called TWICE fast talking over me the terms hoping I would not notice they did not match our agreements. I was adamant that they NOT put through a loan I NEVER approved with such terms and explicitly REJECTED within XXXX hours time. Yet they kept on with their fraudulent terms. XXXX keeps saying they are not responsible for this fraud, and neither party can produce a contract with my actual signature. Each said they had no such contract and to get it from the other. Then they both sent me so called agreements which didn't even match and have XXXX ( XXXX ) dates on each of them with the XX/XX/XXXX date intact and with new dates added to the REJECTED terms.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a customer with US Bank since XXXX  I have a few accounts with them including credit card and business checking accounts. They sent me a letter stating that all of my accounts are being closed without proper explanation.

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I sent {$50.00} on Cash App to XXXX XXXX. I never received the services I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: CT

Complaint narrative:
I am filing this formal complaint against Eversource ( Original Creditor ) and L J Ross Associates ( Debt Collector ) for inaccurate billing and credit reporting. I am disputing a reported balance of {$270.00} ( Reference # XXXX ). 
I am not responsible for this debt due to the following facts : * Vacated Premises : I vacated the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and returned the keys on XX/XX/XXXX ( see attached landlord confirmation ). 
* New Residency : I entered into a new lease agreement at XXXX XXXX XXXX, XXXX XXXX, XXXX  starting XX/XX/XXXX. 
* Inconsistent and Fraudulent Billing : XXXX issued several bills for a period I did not occupy the unit, with amounts that are mathematically impossible for a vacant apartment : * XXXX XX/XX/XXXX : {$330.00} ( I had already moved out ). 
* Bill XX/XX/XXXX : {$130.00}. 
* Bill XX/XX/XXXX : {$280.00}. 
* Bill XX/XX/XXXX : {$290.00}. 
* Total Debt Claimed : XXXX initially claimed over {$500.00}, then manually reduced it to {$270.00}. This manual adjustment proves they recognized the original billing was flawed, yet they still transferred an unjustified balance to collections. 
* Financial Harm : This inaccurate debt is being reported to credit bureaus as a " Collection/Charge-off, '' severely damaging my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) as they are attempting to collect an amount not owed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I filed a dispute for a debit card transaction on XX/XX/year> after not only being charged the incorrect amount for an item, but also provided with a fake tracking number. 

It has now been more than XXXX business days with not so much as an update from XXXX. Under Regulation E ( 12 CFR 1005.11 ), the financial institution is required to provide Provisional Credit if the investigation is not resolved within XXXX business days. 

I have contacted XXXX support multiple times. They admitted the investigation is still open ( 'waiting for merchant ' ), yet they have refused to release the provisional credit. This is a direct violation of Regulation E. 

I am requesting the immediate release of my provisional credit in the amount of {$100.00} as required by federal law

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling of unauthorized electronic fund transfers under Regulation E.

I did not authorize the disputed transactions and reported the fraud immediately upon discovery. The funds taken were from an injury settlement. I am XXXX and currently unemployed, and the loss has caused significant financial hardship. 

The fraudulent activity occurred through linked digital services ( including XXXX XXXX and XXXX XXXX ), not through physical card use. My phone was temporarily out of my possession during the period when unauthorized access occurred. I have evidence indicating my account information was compromised electronically, including recovered messages showing coordination between scammers. 

Further supporting that this was fraud, XXXX XXXX restricted and prohibited attempted transfers involving my accounteven when funds were being routed through my sisterindicating that XXXX independently detected account compromise or suspicious activity. If the transactions had been authorized, these restrictions would not have been applied. 

Despite notifying Navy Federal promptly and advising that the activity was unauthorized, additional transfers were permitted to occur. Access was not adequately restricted after notification.

I filed reports with the FTC and FBI and can provide a police report if required. My account history shows no legitimate reason or pattern consistent with the disputed transactions.

Navy Federal has delayed resolution and has not provided provisional credit or a clear timeframe, despite Regulation E requirements. I am requesting CFPB assistance to ensure Navy Federal complies with federal law and returns the unauthorized funds. 


Ive sent multiple snapshots of the data breach that occurred prior to this incident, I was even at a XXXX XXXX days before this happened. There is high probability in my account was compromised. And as mentioned when Navy Federal asked me if I authorized the transactions I responded no through their automated messages and they still allowed it to happen.

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 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: WI

Complaint narrative:
We mailed XXXX mortgage payments to CMG Home Loans in accordance with their payment instructions. 

The first payment was received by CMG on XX/XX/XXXX. 
The second payment was received by CMG on XX/XX/XXXX. 

Both payments were made by check. As of today, neither check has been deposited or negotiated, and the payments have not been properly credited to our mortgage account. 

We have confirmed with our bank that both checks remain outstanding and have not cleared. We also attempted to resolve this matter directly with CMG by phone, but we were unable to speak with a representative who could address the issue or confirm the status of the payments. 

We are concerned about potential late fees, incorrect account status, and possible negative credit reporting due solely to CMGs failure to process payments that were received on time. 

We are requesting that : Both payments be credited as of their receipt dates ( XX/XX/XXXX and XX/XX/XXXX ) ; No late fees, penalties, or default-related actions be assessed ; No negative credit reporting be made related to these payments ; and CMG provide written confirmation of how these payments will be handled. 

We have documentation showing the payments were sent and received and that the checks have not been negotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I bought XXXX XXXX XXXX collectibles from this seemingly truth worthy account via XXXX. I then sent the payment of {$110.00} via cash app on the XXXX and it verified on the XXXX. On the XXXX of XX/XX/XXXX, I went to the seller in regards to my package and she had blocked me. I looked on XXXX to see the same account was scamming other people out of money. I also have NOT received ANY product at all, she just took my money. I immediately filed a dispute with Cashapp. Then, they hadnt gotten back to me so I filed with my bank because my bank is usually good with getting my money back to me in a timely matter. I then got news today that I was declined. I called XXXX XXXX today ( XX/XX/XXXX ) asking why and what I could do, they said to contact cashapp since its a third party, so I did. Cashapp customer support filed an appeal but I wont hear back til the XXXX which is NOT hopeful. This is {$110.00} not just {$10.00}. This affects me greatly and since I was rejected by cashapp before they have yet to ask me for more screenshots or proof, just another statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, after reporting more than {$1000.00} in fraudulent transactions on my bank account, Citibank unilaterally closed my account. They stated that there would be no further transactions on the account from the date of closure ; they lied. I have been corresponding with the bank at least XXXX times per month, seeking to have them return my funds. They have refused. The last statement I received covers the period XXXX XXXX XXXX, XXXX, and states that there is a balance of {$870.00} in my account. They have been holding my money for no reason since XX/XX/XXXX. It's now XXXX ( XXXX ) months later. I have no way to access the account, no debit card, and I can not get anyone at Citibank to explain why they will not refund my balance. I am furious and am unwilling to wait any longer.

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 monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request assistance and oversight regarding my XXXX mortgage loan serviced by Freedom Mortgage XXXX XXXX Number XXXX, for the property located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX The loan carries an interest rate of 7.25 %, which I believe may be excessive and potentially indicative of unfair or predatory lending practices. 

As this is an FHA loan, I understand that it is subject to specific underwriting, disclosure, and loss-mitigation requirements intended to ensure borrower affordability and long-term sustainability. However, at the time of origination, I do not believe the interest rate, long-term affordability, or alternative FHA loan options were clearly or fully explained to me. I am concerned that my ability to repay under these terms was not appropriately evaluated. 

As reflected in written correspondence from Freedom Mortgage dated XX/XX/2025, I was approved for a temporary forbearance plan due to financial hardship. While forbearance temporarily suspended payments, it did not address the underlying issue of loan affordability driven by the high interest rate. The loan terms remain unchanged, and the risk of delinquency and foreclosure persists once the forbearance period ends. 

My concerns include, but are not limited to : The justification and disclosure of the 7.25 % interest rate on an FHA loan Whether FHA ability-to-repay and underwriting standards were properly applied The lack of a sustainable, long-term FHA loss-mitigation solution Servicing practices that rely on temporary relief rather than permanent modification I respectfully request CFPB assistance to ensure that : 1. Freedom Mortgage conducts a full FHA loan modification and interest-rate review 2. A written explanation is provided detailing how the interest rate was determined 3. All available FHA loss-mitigation options are considered, including interest rate reduction, term extension, or principal adjustment 4. No foreclosure or adverse credit actions occur while this matter is under review I am seeking a fair and sustainable resolution consistent with FHA guidelines and federal consumer protection laws.

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 2026-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am attempting to return a leased XXXX  at the end of my lease term, but Chrysler Capital has failed to assign an authorized return location despite repeated requests. 

On XXXX XXXX I contacted Chrysler Capital because multiple authorized XXXX  dealers in my area refused to accept the lease return, citing internal policies or lack of capacity. I provided my current XXXX XXXX location and was told a case would be opened and to call back later in the week. 

On XXXX XXXX I called again and was told Chrysler Capital had contacted a dealer in XXXX based on my old address, which is not practical. I was told a new case would be opened using my XXXX XXXX location and to follow up the following week. 

On XXXX XXXX I called again and was informed that no updated case had been submitted. After calling a second time, another case was opened to locate a New Jersey dealer to accept the return. I was told I would not be penalized for late return and to wait 3 to 5 days. I sent an email that same day documenting these conversations. 

As of my most recent call, Chrysler Capital still has not assigned a return location or provided written confirmation that no penalties will be assessed. I continue to be told to wait while my lease end date passes. 

I am ready and willing to return the vehicle immediately. Any delay is due solely to Chrysler Capitals failure to assign a return location and dealer refusals beyond my control. I am concerned about potential late fees or penalties despite my documented, repeated attempts to return the vehicle on time. 

I am requesting that Chrysler Capital assign an authorized return location immediately and confirm in writing that no late fees or penalties will be assessed due to this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
I am the beneficial owner of an IRA held by Charles Schwab XXXX XXXX. 

For several months, Schwab has denied me access to my account. I can not log in to the Schwab XXXX system ( it states my account does not exist, and XXXX recovery fails ), and Schwab refuses to process a transfer or distribution outside that system.

Despite denying access and control, Schwab continues to hold my funds and assess fees. I have repeatedly contacted Schwab and have been unable to resolve this. 

I am requesting immediate restoration of access or manual processing of a transfer or distribution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo denied my claim for unauthorized XXXX XXXX transactions totaling {$1200.00} that were funded directly from my bank account. I did not authorize these transfers, did not consent to XXXX XXXX payments, and did not benefit from the transactions. I requested a Regulation E appeal, but Wells Fargo refused to reopen the claim or provide reconsideration. I am requesting a full review and resolution under Regulation E for unauthorized electronic funds transfers.

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I am disputing recurring monthly charges of {$29.00} from a merchant called XXXX XXXX dating back to XX/XX/year>. I never knowingly enrolled in a monthly membership or subscription, and the recurring nature of the charge was not clearly or conspicuously disclosed at the time of the transaction. 

American Express has determined that authorization must have occurred based on a click or checkbox, but this does not reflect informed consent to a recurring subscription. I am disputing this as a deceptive enrollment with inadequate disclosure, not card theft. 

I requested cancellation of all future charges and asked for a goodwill adjustment for recent months, which American Express declined. I am requesting that American Express re-review this matter and consider a goodwill credit given the deceptive nature of the enrollment and the merchants documented pattern of similar complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Regarding response from Comenity bank to the claim sent to Consumer Financial Protection Bureau ( XXXX. 
No. XXXX ). 


I respectfully dispute the companys response. 

The banks statement ( letter attached ) confirms that a late fee credit was offered during the XX/XX/year> call, which supports my position that an agreement existed. I did not decline the credit ; I agreed to get that credit and pay the remaining balance of {$37.00} in some other time with the understanding that XXXX {$30.00} late fee would be waived due to the banks failure to deliver the card and initial statements. 

I call many many times to customer support about this agreement because the late fee wasnt waved in the system. Nobody actually resolved it. 

The fact that I chose to close the account during the same call does not invalidate or negate the agreed-upon fee waiver. Closing an account does not authorize the bank to reverse a credit, ignore a verbal agreement, or continue assessing late feesespecially after the balance was paid and the account was canceled. 

Additionally, the bank has not addressed why late fees were assessed after the full balance of {$110.00} was paid on XX/XX/year>, nor why additional late fees continued to accrue on a closed account. 

I acted in good faith, made all agreed payments, and followed the banks instructions. The ongoing assessment of late fees reflects a failure to honor an agreement and a failure to correct billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have had a credit card with them for XXXX years, and always paid on time. I paid off my credit card back in XX/XX/XXXX. The remaining amount was interest fees ( {$31.00} ), so I assumed that this was finally paid off, so I removed my auto pay because they will take money out of your account even if there is no balance owed. I checked my account today ( XX/XX/XXXX ) and they have been charging me a late fee with NO NOTICE, which was {$210.00} in late fees - I have not received any emails, any notifications in my mail, NOTHING about this. I called asking for a XXXX time courtesy to remove these fees and I'd be happy to pay off my balance immediately, and unfortunately they will not waive fees. Shame on you Discover. I have now closed my account as I can't stomach giving this company any more of my money as I am sure they have already made thousands off me throughout the years, they should give customers a XXXX time courtesy on this, especially when there is no notification. Very sly and disgusting. My mother is also cancelling her card here as well because of this.

Company response to consumer: Closed with explanation