vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the permanent deactivation of my Cash App account without meaningful explanation, transparency, or opportunity for fair review. After attempting to resolve this matter directly through Cash App Support, I was informed that the decision was final, yet no specific reason for the deactivation was provided. I was also denied any meaningful clarification regarding whether the issue involved identity verification, transaction activity, alleged policy violations, or automated security flagging. I believe consumers should be provided : - Reasonable transparency regarding adverse account actions, - A meaningful review process, - And confirmation that decisions impacting access to financial services are not based solely on automated systems or inaccurate risk assessments. I offered to provide identification and supporting documentation verifying legitimate account activity, but no additional review opportunity was granted. I am preserving all communications related to this matter and requesting that this complaint be reviewed by an appropriate compliance or executive response team. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding a loan issued by Climb Credit used to finance services from XXXX. XXXX has since been foreclosed on and ceased operations on XX/XX/year>. I am no longer enrolled in the program, and the services associated with this loan were not fully rendered due to the companys insolvency and shutdown. I was no longer enrolled in or participating in the XXXX program, with no further services to be provided as of XX/XX/year>. Although Climb Credit has temporarily reduced my payments to {$50.00} per month, this arrangement is discretionary and reviewed every 90 days, must be repeatedly renewed, and does not provide any long-term resolution or timeline for resolving the disputed loan. At any point, I may be required to resume the full monthly payment amount despite the underlying services no longer being available. I have explained that I can not afford the full monthly payment of and that continuing to carry an unresolved loan for services that were not fully delivered places me in ongoing financial hardship and uncertainty. At this time, Climb Credit has not provided : A permanent hardship solution A clear dispute resolution timeline A pathway toward discharge, settlement, or meaningful adjustment of the loan Assurance that I will not face long-term negative credit consequences related to this disputed debt I am requesting that Climb Credit : Conduct a formal review of this loan based on vendor non-performance and services not rendered Provide a fair long-term resolution, including discharge, settlement, or permanent hardship accommodation Pause negative credit reporting and collection escalation while this dispute remains unresolved Provide written clarity regarding the status and expected timeline of resolution I am seeking a fair and reasonable resolution for a loan tied to services that became unavailable due to circumstances outside of my control and withdrawal from the program prior to the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COINFLIP LLC
State: AR

Complaint narrative:
On XX/XX/year>, I was the victim of a government impersonation scam in which a fraudster posed as a sheriffs deputy and coerced me into using a XXXX Bitcoin ATM to pay a fake bail fee. I deposited {$600.00} into a XXXX machine under duress. I have a police report filed with the XXXX Police Department ( Report # XXXX ). I contacted XXXX the same day ( XX/XX/XXXX ). A representative told me the transaction was pending and could be cancelled, and that they would mail me a check for the {$600.00}. I completed their Fraud Incident Report and Refund Form that same day. On XX/XX/XXXX, I received an email from XXXX confirming my claim was under review and that they would be in touch with next steps. On XX/XX/year>, I called XXXX again to follow up. The representative I spoke to told me it would be hard to refund me because I do not have a crypto account, and suggested that if I created an account and invested {$1000.00}, I could then receive my refund. I had just been robbed of my savings and had no money to invest. I found this suggestion deeply inappropriate and potentially exploitative of a fraud victim. XXXX previously confirmed in writing that my claim was under review and a refund was being processed. I am requesting that XXXX honor that commitment and issue my {$600.00} refund without requiring me to open an account or invest any money. I have a police report, FBI IC3 report, and XXXX own email correspondence documenting this case. I included screenshots of the fake documents the scammer sent instructing me to use the XXXX machine for bail money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a PayPal account on XX/XX/XXXX. A large amount of money was sent to me by my XXXX father as a gift for our XXXX in small amounts as it did not allow him to send it all at once. They immediately deactivated my account the next day. I called them and resolved the issue and my account was cleared. Then XX/XX/XXXX my account was limited again and permanently deactivated even after providing proof of ID and detailed reason for regular transactions made on my account, paying rent, paying XXXX XXXX bill and multiple XXXX and XXXX transactions. I have appealed their decision and they are telling me it will end in the same result. Will not provide me with the specific reason for risky activity or tell me what the risky activity is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Back on XX/XX/XXXX, i took my vehicle to be inspected with new tires at XXXX. Long story short. When i picked up my vehicle it had passed inspection, i paid them {$1200.00} and when i went to start it my car shook uncontrollably. I immediately contacted my bank and asked for a refund. Theh gave me a temporary credit. Which was taken back in XXXX. On XX/XX/XXXX since my account was now negative. I called social security to have my XXXX benefits switched to a different bank for my payment as well as my XXXX XXXX since they receive benefit payments as well. Everything was transferred over to my new checking account so i wouldn't lose my only source of income. I saw the updates on my ssi account that XXXX payment would be going into my new account which i will also attach. Again i went online XX/XX/XXXX and changed it digitally on their website too so there definitely would be zero issues. Which i have screenshots of as well. With all of that done i still called them on Friday XX/XX/XXXX, and spoke to an agent who went by the name " XXXX '' i continued to confirm everything was good to go and she said my " XX/XX/XXXX payment is set to go into my new account attached ''. Yet on XX/XX/XXXX my benefit went into the TD account without my authorization and consent. As well as my XXXX XXXX be eficiary payments. Upon calling TD bank to ask them to send the payments back to XXXX. They told me they will not do thag yet its a protected federal benefit and my only source of income. Social security should be reclaiming this deposit since they messed up on sending my payment to where it needs to go. I should not be left having my utilities shut off and negative fees because social security did not send my direct deposit to the proper bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc
State: GA

Complaint narrative:
I recently refinanced my mortgage and took cash out. At closing the closing attorney cut a check to Credit Fresh for full payment of the debt. I sent the payoff check to Credit Fresh via XXXX on XX/XX/year> and they received the payment of XX/XX/year>. They have not posted the payoff to my account. I called them this morning and they told me they are holding the check for 4 to 6 weeks and that I would have to continue to make the biweekly payments until then. I believe this is a violation of the truth in Lending act or a predatory lending practice. They are collecting interest from me during this 4 to 6 weeks time frame they I should not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I purchased a XXXX XXXX from a store in PA The store told me it was 0 % interest for one year. I would have paid for it in full but since they offered 0 % I took the deal. I didnt think much about it divided payments up for one year and set it on auto draft I went to the app in XXXX and there was my auto payment for {$440.00} and XXXX left in it total I didnt want to mess up the last auto payment so I let it go through logged in and set payment for remainder. Than I logged on Friday to see that it was XXXX out and make sure auto payment was off now and than saw a bill for {$1100.00}. I had to wait until the XXXXXXXX XXXX Monday to call and ask what happened They told me the deferred the interest a for the full year if I wasnt XXXX balance by XXXX * I had no ideal that was the the deal I tried to make payment and I was 99.99 % paid off I would have made it months before also

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 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Ive been paying on a loan with NetCredit for well over two years. I have paid back all of the principal but still owe about {$500.00} less than the original loan amount. I have since learned that this loan is illegal in VA and was advised to revoke ACH. I did this on XX/XX/year> and three times thereafter - yet the company continues to take withdraws. When the first request was sent, I used an email address not tied to the account, so the request was rejected. I sent from the email address tied to the account on 3 separate occasions without any kind of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OK

Complaint narrative:
I am writing to file a formal complaint against Cash App for an unauthorized charge. On [ Date ], I canceled my card, and Cash App issued a new card ( still in transit ). However, on [ Date of Charge ], a charge of {$260.00} was made to my old card, which should have been deactivated. Despite contacting Cash App support, the charge is not reflected in my transaction history, and they have not resolved the issue. I request immediate investigation, a refund of the unauthorized amount, and further assurance that my account is secure. I have field disputes against this company in the past and cash app found no errors. I have reported my card lost/ Stolen 4 days prior to the charge and I did not receive the new card yet so how where they able to charge any cards? Also in my transaction history I don't see the charge at all only what cash app emailed me. " Due to this unauthorized charge, I have incurred a loss of {$260.00}, which I intended to use for essential car repairs. I expect compensation for this amount of {$200.00} in addition to the resolution of the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Denefits LLC
State: VA

Complaint narrative:
I am filing this complaint against Denefits LLC and its service partner, XXXX XXXX XXXX XXXX, for violations of the Credit Repair Organizations Act ( CROA ), 15 U.S.C. Section 1679 et seq. BACKGROUND : On XX/XX/XXXX, I enrolled in a credit repair program under Contract ID : XXXX, financed through Denefits LLC, with XXXX XXXX XXXX XXXX as the service provider. I made consistent payments toward this contract until I was laid off from my employment in XXXX, which created a significant financial hardship that made continued payments impossible. CANCELLATION REQUEST AND UNLAWFUL DENIAL : Upon experiencing this hardship, I formally submitted a cancellation request to Denefits LLC and XXXX XXXX XXXX XXXX. Rather than honoring my legal right to cancel, XXXX XXXX XXXX XXXX denied my cancellation request, citing vague references to 'service documents. ' Denefits LLC communicated this denial to me in writing via email dated XX/XX/XXXX, in which they explicitly stated : 'your cancellation request has been denied. ' FEDERAL LAW VIOLATION : Under CROA, 15 U.S.C. Section 1679c, consumers have an absolute and unconditional right to cancel a credit repair services contract at any time without penalty. This right can not be waived, contractually overridden, or denied based on the existence of service documents. The denial of my cancellation request by both Denefits LLC and XXXX XXXX XXXX XXXX c onstitutes a direct and willful violation of federal law. ONGOING HARM : Following the unlawful denial of my cancellation request, both companies continued collection activity on an account I had legally terminated. This includes negative tradeline reporting on my consumer credit file, which continues to cause material financial harm to my ability to obtain credit, housing, and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have been getting phone calls for the past months. Letter of a court date sent to my home the day of court. Letter sent to garnish my check at last place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for a XXXX XXXX card issued by Chase Bank. Given my strong credit profile, this should have been a straightforward application process. Instead, I encountered repeated barriers that made it effectively impossible to access information about my application or complete the verification process. I received multiple notifications directing me to Chases secure messaging system, which requires an account number to access. Because my application was still pending, I did not have an account number and therefore could not access the messages. Each time I contacted customer service, I spent between 30 and 90 minutes on hold and being transferred between departments. Representatives were unable to provide a workable solution for accessing the messages and repeatedly instructed me to wait for physical mail correspondence, which either never arrived or could not be located. Compounding the issue, Chases identity verification system relies heavily on SMS verification. I currently use a XXXX number, which does not reliably receive their verification texts. On multiple calls, I successfully answered security questions and was told my identity had been verified. However, during a later call, I answered the same verification questions consistently and was suddenly told that my identity could not be verified, with no explanation provided. I was also given conflicting information by different representatives regarding whether my application was pending, required additional verification, or had been denied altogether. During my most recent call, after nearly an hour spent attempting to resolve the issue, I requested escalation to a supervisor. I was effectively denied meaningful escalation and ultimately told that I would need to call back and restart the process from the beginning. At this point, Chases systems and customer service processes have created a closed-loop situation in which I can not reliably access communications, complete verification, or obtain accurate information regarding my application status. I am requesting assistance in obtaining a clear resolution and a functional path forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a XXXX payment in the amount of {$540.00} from my Chase account to XXXX XXXX / XXXX for services related to my property. The payment left my Chase account and Chase shows the transaction as completed. The XXXX reference number I was given is XXXX. After the payment was sent, the intended recipient, XXXX XXXX from XXXX, informed me that he never received the funds. He stated that he checked his accounts and contacted his bank, but his bank said they do not see any incoming payment and therefore have nothing to trace on their side. I contacted Chase multiple times by phone and requested a formal investigation, any available trace information, XXXX tracking details, receiving-bank confirmation, or written documentation showing where the funds were delivered. Chase told me that the transaction was completed and that the funds were sent/received by the recipient bank. However, Chase did not provide a detailed trace, XXXX tracking information, or written confirmation from the recipients bank that would allow the recipients bank to locate the funds. As a result, I am stuck between Chase and the recipients bank. Chase says the XXXX payment was completed, but the intended recipient says the funds were never received and his bank can not locate any incoming payment. I have made reasonable efforts to resolve this directly with Chase and with the recipient, but I have not received sufficient documentation or a clear resolution. I am requesting that Chase either provide written trace documentation showing exactly where the funds were delivered and made available to the intended recipient, or reimburse me for the full amount of the missing XXXX payment if Chase can not prove that the funds were successfully delivered to the intended recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Landmark Strategy Group, LLC
State: MO

Complaint narrative:
I am filing this complaint regarding Landmark Strategy Groups handling of an alleged debt account, their failure to provide requested validation, and continued threatening collection activity through a third party despite my dispute. Approximately one month ago, I formally disputed the alleged debt and requested written validation. Since that time, Landmark Strategy Group has failed to provide any meaningful response, documentation, or validation of the debt. Every attempt to contact the company results only in voicemail. Representatives are rarely available, and the voicemail box is frequently full, making communication nearly impossible. I work during banking hours and have limited opportunities to call, yet the company has made no reasonable effort to communicate with me or resolve this matter. Before I was ever able to successfully speak with Landmark Strategy Group, I began receiving threatening collection calls from XXXX XXXX regarding alleged legal action tied to this account. After eventually reaching a representative at Landmark Strategy Group, I was told to ignore XXXX XXXX and was informed it was not likely I would actually be sued. The representative also stated Landmark did not yet even have access to my account in their system and implied XXXX XXXX was essentially attempting to strong arm payment. This has created significant confusion and concern regarding the legitimacy and handling of this alleged debt. On one hand, a third party was threatening legal action, while on the other hand Landmark Strategy Groups own representative indicated they did not even have account access and downplayed the legal threats. Despite my formal dispute and validation request over a month ago, no proper validation has been provided while collection pressure and threats continued. I believe the companys conduct has been deceptive, unprofessional, and potentially in violation of the Fair Debt Collection Practices Act. I have acted in good faith and attempted repeatedly to resolve this matter responsibly, but Landmark Strategy Group has failed to provide even basic communication or required validation. Due to the companys failure to validate the debt, failure to maintain proper communication, and the threatening and contradictory conduct surrounding this account, I no longer consider this company trustworthy or capable of properly servicing this account. I am maintaining records of my communication attempts and the collection activity related to this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation