vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage account was enrolled in recurring autopay/ACH payments with Truist. In XX/XX/year>, Truist drafted the mortgage payment from my XXXX checking account, but the payment was returned because the account did not contain sufficient funds at that time. After the initial return, Truist initiated another ACH/redraft attempt, which also failed due to insufficient funds. After the retry activity stopped, I logged into the Truist website multiple times to verify the status of the account and payment activity. I specifically attempted to locate a way to manually make an additional payment because I wanted to avoid any possibility of a 30-day late report on my credit. However, I could not locate a payment option that would allow me to submit an additional payment at that time. The account appeared active/current, there were no visible delinquency warnings, and the transaction history was confusing and appeared to reflect payment activity already in process. I also did not receive any voicemail, email, text alert, secure portal message, or other clear notification informing me that the account remained delinquent or that immediate manual action was required to avoid negative credit reporting. The mortgage statements also repeatedly stated that the account was set up for recurring payments, reinforcing my understanding that the automatic payment system was managing the account. On XX/XX/year>, after speaking with Truist, I immediately brought the account current. The late fee was later waived by Truist. During that same call, a representative submitted a dispute regarding the resulting 30-day late mortgage reporting. I later learned that the dispute had allegedly been denied on XX/XX/year>, but I never received the denial notice through mail, email, secure message, or the online portal. I only became aware of the denial after proactively calling Truist again on XX/XX/year> to follow up. I am disputing the handling of the payment process, the lack of clear servicing communication, and the resulting derogatory credit reporting. I believe the recurring autopay setup, ACH retry activity, confusing transaction history, lack of clear delinquency warnings, inability to locate a manual payment option, and lack of meaningful notifications reasonably caused confusion regarding the status of the payment and whether additional action was required.

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XX/XX/year>, a company called XXXX processed a fraudulent transaction to through PayPal account. I reported this to PayPal and to my financial institution, my financial institution was able to credit me the money back and did an investigation and determined that the transactional fraudulent PayPal is now hurt me for that fraudulent transaction and is refusing to reverse the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Chrysalis Holdings LLC
State: AL

Complaint narrative:
NEW DAY USA REFUSES TO STOP CALLING ME EVEN THOUGH I AM ON THE DO NOT CALL REGISTRY!! THIS IS HARASSMENT!!! IT IS CONSTANT NON_STOP CALLS!!! I HAVE BLOCKED THEM ON DOZENS OF NUMBERS AND THEY JUST KEEP CALLING!!! I HATE THESE PEOPLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened a Truist account with my cashiers check from my previous bank in the amount of {$94000.00} and they put a hold on the check for about 7-9 days but after it cleared they blocked my account for fraud which I didnt commit because I havent even used the account and they are refusing to provide why they are doing this or when investigation will be done. I need this money for bills Im about to be thrown out because I cant pay rent and my cat food is finished. I need access to my funds immediately.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I want to close my PayPal and PayPal XXXX accounts. I've tried 4 times!!!!! There is a XXXX balance with no outstanding charges. The payment ( {$35.00} ) has cleared my bank, but they say I need to wait many days. I know they hope I forget to do it. This is ridiculous. What a wholesale scam PayPal is. I will NEVER EVER EVER go back to being a PayPal customer. I couldn't be angrier. I feel like I'm in a toxic relationship that I can't get out of. BEWARE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
TD Auto not only didn't want a settlement they have now added on late fees on an account they have written off of their books of more money. If they can continue after profit and lossing a debt to add late fees, it will never be able to be paid, it certainly shouldn't be legal to do so. They could add fees in perpetuity at this rate. It appears to me to be criminal. & that the way in which TD Bank handled our auto loan was fraudulent. I also requested a statement to reflect the payment reallocation. My concerns noted above appear to be potential violations of law under Regulations E & Z and warrants further investigation. Please note that I conducted a XXXX search titled " TD Auto Finance consumer complaints " and I have found a slew of complaints pertaining to issues with TD Auto Finance 's poor billing and payment allocation practices. As a result, the issues noted above appear to be systemic issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc.
State: CA

Complaint narrative:
Modification workout was canceled on XX/XX/year>, due to failing out on a modification trial plan in XXXX of this year. Reapplied for loss mtiitgation on XX/XX/year>, but automatically denied due to the previous workout being failed. XXXX is our main language and we did not understand the options that had been given to us and we accepted a workout we were not prepared to make payments on. We are able to start making payments again, but really need the help with the past due amount. We tried to escalate it with a supervisor on XX/XX/year>, but was told that the decison was final and we would not be allowed to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I deposited XXXX e-checks into my Huntington account on or around XX/XX/year>. Check number XXXX {$1000.00} and check number XXXX {$1900.00}. The funds were withdrawn from the senders XXXX XXXX account on XX/XX/year>. On XX/XX/XXXX we received the email from Huntington that the hold on these check was released and that we have the funds available. Huntington in the meantime blocked our online banking account, without any heads up. When we call, the automated service states that we have that amount available to use, but we don't. Huntington representatives informed us that if the checks cleared by XX/XX/year>, everything would be fine. After that date, the checks still had not been released to us, and we began receiving different and inconsistent explanations from various Huntington representatives. One representative stated the issue was related to our address being in Ohio, even though we currently reside in Florida ( for the past 7 years ). Another stated the issue was that the checks were electronically signed, despite the fact that they were legitimate e-checks. We were also told at one point that the issuing company may have been flagged for fraud. I have been working with this company for a year and a half, I never had any issues and all realtors are paid with e-checks by them. Very common in XXXX. Huntington then instructed us to ask the issuing bank or employer to cancel the checks. However, XXXX XXXX informed us this was impossible because the funds had already been withdrawn and deposited into Huntington. XXXX XXXX confirmed the checks had already cleared on their end and that everything appeared valid from their perspective. We have spent countless hours on the phone attempting to resolve this matter. Huntington also requested pay stubs from me. However, these were not payroll checks. I am a real estate agent working as an independent contractor and receive commission-based income rather than traditional wages. Therefore, I do not receive pay stubs. I explained that my income is documented through XXXX forms, commission disbursement statements from my brokerage, bank deposits, and tax returns. I provided Huntington with my XXXX documentation, copies/screenshots of the deposited checks, and additional supporting information requested. Despite our efforts and cooperation, our online banking access has been blocked, our account has been restricted/closed, and we still have not received a clear written explanation regarding the status of our funds or the basis for Huntingtons actions. Now they are asking for my emlpoyer to write and mail them a notarized letter of explanation for the checks. Why do we need to go through this??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I was informed via credit alert in XX/XX/XXXX ' about a HUD loan from XXXX, NY that was on my credit and open XX/XX/XXXX and closed XX/XX/XXXX sent to collections. I have never had a residence in XXXX or have any residences in any other state but Georgia. You can see by my credit report and Addresses listed non have ever been in XXXX or did I have XXXX Address that matches this. I filed to have this resolved and removed along with all supporting information and credit reports and police identify theft reports showing the fraud. The HUD and US Treasure - XXXX XXXX was removed from my credit as identity fraud but on XX/XX/XXXX CBE Group showed up on my credit report and is still holding a file for this HUD Loan. On XXXX I got XXXX garnishment from my taxes for this account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: VW Credit
State: TX

Complaint narrative:
I leased my vehicel through XXXX XXXX in XXXX. They lost my title in XXXX which resulted in me being unbale to register my vehicle in new states. I just finished my last car payment in XXXX in XXXX so have full ownership of the vehicle. XXXX XXXX is still unable to give me my title because they lost it and are having to go through the title duplication process. There have been constant delays with this process. Again, I am now the rightful owner of the vehicle, ca n't drive it legally, can't register my vehicle, and if I wanted to sell it, I can't because I don't have the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was sued by an unscrupulous company and a hold was placed on my accounts in the amount of {$6200.00} on the morning of XX/XX/XXXX. This made one account - {$5700.00} and my XXXX XXXX XXXX daughter 's account- {$5.00}, XXXX. I visited the bank in person after my child was unable to use the funds in her account. There, I was advised of a legal hold and was provided with a number to call. I immediately rerouted my entire direct deposit to another bank. I was never served any documents to go to court on this matter that I was unaware of from 9 years ago. Also, and more importantly, I was NOT notified by Chase prior to my account being placed on hold. Chase has all the correct contact information to provide me with this document and chose not to do so until XX/XX/XXXX when I questioned them about why it was never sent. Only at that time was I was sent a portion of an undated copy of the document. I contacted the court for a hearing and went to court on XX/XX/XXXX at which time the case was promptly dismissed. Up until present, Chase has refused to release my account and funds to me. Every week I have been calling the court to fax a copy of the case disposition to Chase which they claim to never receive. Twice recently, I have taken the document directly to a Chase bank and it was faxed internally. A representative from Chase spent almost an hour on the phone with the " back office ''. Finally, a document was found and the issue was again escalated and I was told the issue would be resolved by Tuesday XX/XX/XXXX. Today is Wednesday XXXX and my accounts are still frozen. In addition to the first {$100.00} levied against my account as an administration fee for a document I did not immediately receive, I continue to incur maintenance fees every month for having an account that I can not close or use due to Chase 's negligence and inefficiencies. I suffer a major hit to my credit in the interim while debtors tried to collect from the this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
My bill increased in XXXX due to taxes and insurance. I immediately switched to a new cheaper insurance plan and it was effective before my XXXX due date. I went ahead and paid the XXXX bill in full ( including the additional {$220.00} to cover XXXX month towards the escrow shortage 12 month payment plan to avoid a late fee ). The next day ( XX/XX/XXXX ) I paid the anticipated shortage amount which they couldnt even tell me how much it was so I just guessed and paid {$930.00} in full. They ran a new analysis but my bill was still high the next month. Then they tried to tell me the analysis wasnt done properly because they didnt put my {$930.00} payment towards the shortage. And then my new bill generated and its still wrong because the analysis hasnt been done properly and they keep moving my funds around. So last month they told me to pay the actual amount and then the additional incorrect amount showing on my bill would just fall off. It never fell off of my account, they instead charged me a late fee and now theyre just holding my {$3500.00} mortgage payment in limbo and they didnt apply my funds when I paid it ON TIME! so now it looks like I missed a mortgage payment but theyre just holding my money. They keep moving my funds around even though I paid the shortage in full and the analysis has never been done accurately. They run the analysis and it finishes after the bill is already generated. I need my escrow to be ran properly account for the {$930.00} payment I Overpaid for the shortage ( they told me it was only {$870.00} ) and then I overpaid for the XXXX mortgage payment. Every time I ask to escalate or speak to a manager they have never once been available they have to call me back and its usually only after the billing due date or not at all. I dont know what to do at this point but they took extra money from me and theyre still trying to inflate my bill without running a proper escrow analysis. And theyre holding my {$3500.00} mortgage payment I made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I staked XXXX on Coinbase years ago, I went to unstake it to access the funds, and in the entire coinbase platform, that is impossible. So essentially, {$1500.00} went into staking and just became a XXXX hole of frozen funds. The staking function on coinbase essentially just surrenders the coins to coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Kia Finance is inaccurately reporting my auto loan as having a {$1300.00} chargeoff, even though this amount represents an approved deferred payment from XX/XX/XXXX. Kia has acknowledged in writing that the deferral was submitted through their website and did not require a signature, which confirms that the deferral was valid and processed by Kia. Despite this, Kia reported the deferred amount as a chargeoff and required me to pay {$1300.00} to clear the account. My vehicle was later declared a total loss, and the insurance company paid the loan in full. A deferred payment can not be treated as late, delinquent, or charged off. I have made multiple attempts to resolve this directly with Kia. I sent two certified letters to Kia Financeone on XX/XX/XXXX, and another on XX/XX/XXXX, XXXXrequesting documentation, correction of the inaccurate reporting, and a refund of the {$1300.00} I paid. Kia has not provided the required documentation and has not corrected the reporting. After disputing the account with the credit bureaus, Kia updated the account to Paid, Closed, but is still reporting {$1300.00} written off, which is inaccurate and harmful. This writtenoff amount is the deferred payment Kia approved. Kias inability to produce internal documentation does not change the fact that the deferral was approved and should not have been treated as delinquent or charged off.

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 2026-05-13 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I am filing a complaint regarding XXXX XXXX/Synchrony Banks handling of a disputed transaction on my account ending in XXXX. A transaction in the amount of {$1100.00} was made on my account without my knowledge or informed permission. After investigating the situation within my household, I discovered the activity was caused by unauthorized use of my account by my minor children through access to a device connected to my XXXX account. I immediately disputed the transaction after discovering it and explained that I did not knowingly authorize or approve the activity. However, Synchrony denied my claim stating that I authorized, participated in, or benefited from the purchase without providing sufficient explanation or documentation supporting that conclusion. I am requesting : * A full reconsideration and reinvestigation of the dispute * Copies of all records and evidence relied upon in denying my claim * Any available relief, adjustment, or hardship consideration due to the circumstances involving unauthorized use by minors * A detailed explanation of how the company determined I authorized the transaction I understand I am the account holder, but I do not believe the investigation adequately considered the fact that the activity involved unauthorized actions by minor children without my knowledge or consent. I am seeking assistance from the CFPB to ensure the matter is reviewed fairly and thoroughly.

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 2026-05-13 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: FL

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have been an American Express customer since 2020 and have maintained multiple business accounts in good standing with no late payments or prior issues. Recently, all of my accounts, including multiple business credit cards and a business line of credit, were suddenly closed or suspended immediately after I received a closure email. At the time of closure, my total outstanding balance was approximately {$110000.00}, and I had accumulated rewards worth nearly {$40000.00}. I contacted customer support, fraud, and multiple departments to understand the reason and attempt to resolve the issue. However, I was repeatedly told that the accounts were closed based on an internal decision, without any meaningful explanation or opportunity to resolve the matter. I believe this situation has been handled unfairly, especially considering my long-standing relationship, excellent payment history, and lack of any suspicious or problematic activity.

Company response to consumer: Closed with explanation