vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I woke up to an email from SoFi bank account stating Upon reviewing your SoFi Bank account, we have identified activity that suggests a violation of the SoFi Bank Deposit Account Agreement. As a result, we regret to inform you that your account will be closed with immediate effect. This means that you will no longer be able to access your account online or use your debit card. Mind you Ive been banking with them for four years with no issue. I have bills to pay, groceries to buy things I need to take care of for my children. I am not able to access any funds in my account. Im not even able to speak to anyone because its a Sunday. I spoke to a representative who was supposed to be sending me out a new card, almost a month ago. I never received it however I was given a digital card in the meantime to take care of my bills. I contacted them again and they told me they had my old address. They then advised me a new card will be sent out. Of course I never received it but got a nice email telling me that my account will be closed. I am a XX/XX/XXXX parent just trying to get by, and this is what to do to me. beyond disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Issue Category : Account closure/ Money withheld/ Federal benefit protection Violation complaint Narrative. I am a XXXX XXXX veteran. On my recent transaction statements, my account received an explicitly coded federal Department of Veterans Affairs deposit labeled " Vacp Treas 310 ''. In direct violation of federal regulation 31 CFR Part 212, XXXX XXXX, XXXX. ( operating via their partner platform Chime ) froze my account due to a state tax levy. Under 31 CFR 212.6, financial institutions are strictly prohibited from freezing or withholding coded VA disability benefits to satisfy a state garnishment or levy. Furthermore, ChimeXXXX XXXX has notified me that they are moving to permanently close my account within 3 days, effectively seizing my protected federal benefits and cutting off my ability to pay rent. I demand that XXXX XXXX executive compliance team immediately review my account transaction logs, identify the protected " Vacp Treas 310 '' funds, lift the unlawful hold, and provide an immediate method for me to withdraw my protected VA XXXX compensation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I am a former Chase credit card customer. In XXXX XXXX, due to being outside the United States, I missed my credit card payment deadlines and incurred penalty interest totaling {$710.00}. I resumed normal on-time payments starting XX/XX/XXXX and have had no further late payments since then. Problem XXXX : Chase did not provide any customer service contact options in Online Banking In XX/XX/XXXX, when I discovered the penalty interest charges on my account, I immediately tried to contact Chase to resolve the issue. However, when I logged into my Chase Online Banking account, I found no customer service chat portal, no customer service email address, and no alternative contact method other than a phone number. As a customer who was physically located outside the United States at that time, making an international phone call was extremely difficult. Banks should provide multiple reasonable contact channels such as email or chat online to accommodate customers with different circumstances. Chase failed to do so. Because no email or chat option was available in my Online Banking account, I was forced to try whatever email addresses I could find : XXXX XXXX XXXX I sent emails to these addresses in XX/XX/XXXX and again in XX/XX/XXXX, clearly explaining the penalty interest issue and requesting assistance. Problem 2 : Chase never responded to my emails Despite sending emails in both XX/XX/XXXX and XX/XX/XXXX, I received absolutely no response from Chase. No acknowledgment. No follow-up. No instruction on how to properly submit my dispute. My attempts to communicate were completely ignored. Problem 3 : Chase now refuses refund based on a " XXXX policy '' In XX/XX/XXXX, I was finally able to reach Chase by phone. I was told : My account was closed in XX/XX/XXXX ; The {$710.00} can not be refunded because the charges are " older than 6 months '' ; The bank can not process refunds for fees exceeding 6 months. What Chase is ignoring : I attempted to contact Chase twice in XXXX ( XXXX and XXXX ) within months of the charges appearing. The XXXX policy should not apply when the bank itself failed to respond to my timely contact attempts. Chase did not provide any usable email or chat contact channel in its Online Banking interface. A bank should offer multiple reasonable ways to reach customer service especially for customers who can not call due to international location, disability, or other legitimate reasons. Chase 's lack of accessible channels directly prevented me from resolving this issue in a timely manner. Chase never responded to my emails effectively ignoring my legitimate dispute. The bank can not create a situation where a customer 's attempts to communicate are ignored, and then later claim the issue is " too old '' to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: NC

Complaint narrative:
Hello CFPB XX/XX/XXXXXX/XX/XXXX denied my dispute now I'm fully depressed. I don't know what I do now. I have Scammed XXXX time, I'm open Dispute XXXX times but XX/XX/XXXX denied my claim XXXX times. My mother is very sick so I was looking for a personal loan online, I applied on many such loan websites but they did not give me the loan.Finally, I had some funds transferred to my account through friends and donations, and that money was stolen.Perhaps they took my debit card information when I was applying for a loan, it seems that's where my card information was stolen from. I promise you, I will never use a XX/XX/XXXXaccount again. Please return my stolen money.My mother still has to go to therapy XXXX day a week. She is a XXXX patient. Please return my money. Trust me I don't have any XXXX account and I'm never link my XX/XX/XXXX debit card on my PayPal. I'm 100 % sure with my evidence .I don't have anyXX/XX/XXXX account and I'm never Link myXX/XX/XXXXdebit card on my PayPal Please officer refund my money MyXX/XX/XXXX account detailsXX/XX/XXXX Email : XXXX phon : XXXX Compromised cardXXXX Officer I don't have any XX/XX/XXXX account And I don't Link my XX/XX/XXXX debit card on my PayPal.And I did not allow anyone to withdraw dollars from my account. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Company XXXX & XXXX has taken out funds from my account I have been to court. I have all my documentation from the court closing in my case which TD Bank should release my fund and have not do so here are all my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, XXXX placed a temporary authorization hold on my debit card. The transaction was canceled before completion. The pending charge vanished from my statement, but Bank of America failed to return the funds to my available balance. It has been 30 days. I have contacted XXXX and they provided a 16-digit network tracking number : XXXX to prove the funds were released. Bank of America customer service refuses to run a manual ledger search to credit my account, falsely claiming no money was debited. '' The amount is {$100.00}

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 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company, Portfolio Recovery Associates, keeps spam calling me for a debt I do not owe multiple times a day from different phone number non stop even after demanding them to stop. They get aggressive on the phone and start screaming sometimes saying lewd and extremely inappropriate things. On two occasions they threatened me stating I have a warrant out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC XXXX which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agenciesXX/XX/XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XX/XX/XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate, disputed, and unverifiable information that is causing significant harm to my credit profile. Incorrect Personal Information My credit report contains multiple inaccurate and misspelled name variations that do not reflect my legal identity, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request removal of all inaccurate name variations and retention of only my correct legal name and legitimate name variations. Disputed Accounts XXXX XXXX XXXX This account is currently disputed. I was presented financing terms substantially different from those ultimately reported. I was led to believe I was financing approximately {$15000.00} ; however, the account was opened and reported at approximately {$24000.00}. I have filed an FTC complaint and a police report regarding this matter. I dispute the accuracy of the account, the amount financed, the handling of my down payment, and the reporting of the account. XXXX XXXX XXXX This account is being reviewed due to issues involving XXXX insurance coverage following a total-loss vehicle claim. I dispute the accuracy of the remaining balance being reported until a complete accounting of the insurance and XXXX payments is provided. XXXX XXXX XXXX XXXX XXXX I do not recognize this debt. I have not maintained XXXX service since approximately 2015. I request verification of the original account, service address, date of first delinquency, and documentation proving I am responsible for this debt. XXXX XXXX XXXX XXXX I request verification of this account, including original creditor documentation and proof that I am responsible for the alleged debt. XXXX XXXX XXXX I dispute this account and request complete verification of the debt and supporting documentation. XXXX XXXX I dispute this charge-off account and request verification of the balance, payment history, and charge-off reporting. XXXX XXXX I dispute this account and request verification of the charge-off reporting and account history. Hard Inquiries My report contains numerous hard inquiries. I request verification of all hard inquiries and removal of any inquiry for which authorization can not be produced. I am requesting a complete reinvestigation of all disputed information pursuant to the Fair Credit Reporting Act. Any information that can not be verified as accurate, complete, and supported by documentation should be corrected or 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 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX is attempting to collect a debt of {$1300.00} originally from XXXX XXXX that is the result of identity theft. This account was opened without my knowledge or authorization. I have filed an official FTC Identity Theft Report. This company is reporting this fraudulent collection account to all three major credit bureaus causing severe damage to my credit. I did not open authorize or benefit from this account in any way. This debt is not valid and stems entirely from identity the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX Cash App a popular digital wallet which I have been a member of since XXXX has deactivated my account. I was given the opportunity to appeal the decision and given a generic reason for deactivation. Cash App stated Your account is deactivated for violating our Terms of Service. I was asked the following as a part of my appeal and my responses follow. XXXX. Describe how I normally use Cash App Payments from friends and family, l use my account for everyday purchases, personal transactions such as rent, utilities, bill payments, lunch/dinner, phone bills, shared expenses. I also recently got a Cash App card to use for everyday purchases like at stores and merchants. I've never had an appeal submitted that I know of or any chargebacks. If you have any questions please feel free to reach out. I've been a Cash App member for several years. XXXX. Explain why you think your account shouldnt have been deactivated I have been using Cash App for years without any issues. I pay my transfer fees and borrow fees on time and have been a member for overXX/XX/XXXXyears. Cash App responded to my appeal today XX/XX/XXXX and stated that the deactivation is permanent. I have spoken to thousands of people in online forums/groups who have also had their Cash App accounts closed without proper explanation and just the generic message that Your account is deactivated for violating our Terms of Service. Cash App needs to disclose what terms of service were broken if any. Cash App has become increasingly popular and to not be able to utilize their services will make day to day transactions a bit harder, although there are other digital wallets some members have trust in Cash App as they were XXXX of the first few companies to start up. I was never given a warning or a specific answer to what Terms of Service were broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding my Home Depot credit card account issued by Citibank. I had XXXX promotional balances scheduled to expire on XX/XX/XXXX. XXXX promotional balance was approximately {$200.00}, and theXX/XX/XXXXpromotional balance was approximately {$2900.00}. On XX/XX/XXXX, I made a payment of more than {$3600.00}, plus the required minimum payment, specifically intending to satisfy my promotional balances and avoid any deferred-interest consequences. After the payment posted, the {$200.00} promotional balance was paid off, but a substantial portion of my payment was applied to my revolving balance instead of the promotional balance. As a result, a promotional balance remained on the account. I contacted customer service on approximately XXXX separate occasions. During each contact, I was advised that my payment had been applied to the promotional balance and that the issue had been addressed. I also requested that notes be entered into my account documenting these conversations. In addition, customer care rep placed a note in my account indicating that the payment had been applied to the promotional balance and that the matter has beed resolved. Despite these assurances, my account continued to show a remaining promotional balance. My concern is not only the allocation of the payment but also the repeated inaccurate information provided to me by customer service and in written communications. I relied on those representations in managing my account and avoiding deferred-interest charges. I am requesting : XXXX. A complete audit of how my XX/XX/XXXX payment was allocated. XXXX. Copies of any relevant account notes regarding my calls. XXXX. A written explanation reconciling the written confirmation I received with the actual account balance. XXXX. Correction of any payment allocation errors. XXXX. Assurance that I will not be assessed deferred interest, fees, or other charges resulting from this issue while the matter is being reviewed. I have attempted to resolve this matter directly with the company on multiple occasions but have not received a satisfactory explanation. Thank you for your review.

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 non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Unlawfully using interest rates to fund their companies loan and credit establishment, changing and charging interest without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Once again PayPal has refused to do anything they say they would. Thanks to this website you can clearly see they just outright XXXX. I will keep making these until they give me the option to transfer my money. They have been XXXX since XXXX and will not do anything they say. How does a major corporation not get held accountable to blatant gaslighting?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I am filing this complaint against Rubin & Rothman , LLC regarding an ongoing collection and legal action concerning an alleged consumer credit transaction originally associated with XXXX XXXX XXXX XXXXXXXX. ( File No. XXXXXXXX XXXX XXXX XXXX ). The debt collector has violated federal and state consumer protection laws by failing to validate the alleged debt and initiating litigation without proper service of process. 1. Failure to Provide Debt Validation : I have previously disputed the validity, ownership, and exact amount of this alleged debt. Neither the original creditor nor the debt collector has provided a complete itemized accounting of the alleged debt, a copy of the original signed credit agreement, or a verified chain of title proving legal assignment. Proceeding with aggressive collection actions and legal filings without validating the debt violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and consumer verification protocols. 2. Defective Service of Process and Deceptive Collection Tactics : A Summons was filed in the District Court of the County of XXXX ( Index No. XXXX ) dated XX/XX/year>. This legal action was taken without proper service of process in direct violation of state law. I was never personally served, nor was alternative service properly executed according to standard statutory requirements. Using defective service tactics to secure a legal advantage or force a default judgment constitutes a deceptive and unfair debt collection practice.

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 2026-05-31 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello officer I'm a freelancer, I have a XXXX XXXX that's why I need to receive payment from usa and others county.But some XXXX are want to pay on Paypal but PayPal not available in my country that's why I want to buy a paypal account from a PayPal seller. But few months ago my PayPal account is temporarily limit. I don't have a legal document.so I'm unable to verify the PayPal account.few months later PayPal says I'm able to withdraw my PayPal balance to my bank account. When I want to go link my bank account then paypal again limit for 6 months I don't know why and it's permanently limit. PayPal complete a review then says I'm withdraw my money on my bank account.but PayPal now says again I need wait more 180 days. Please officer release my fund I'm truly sorry for using PayPal from restricted country.

Company response to consumer: Closed with non-monetary relief