vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
I purchased my home with the understanding that I would be able to make mortgage payments through standard accepted payment methods, including online payments and payments by phone. Recently, I attempted to make my mortgage payment multiple times ; however, the payments were returned because my banking institution did not process the funds quickly enough, despite the funds ultimately being available in my account. After the returned payments, the mortgage company informed me that they would only accept certified funds going forward. I requested written documentation or a formal letter stating this requirement, but the company refused to provide anything in writing. I reviewed my mortgage and closing documents, and nowhere in my paperwork does it state that I am required to pay only through certified funds under these circumstances. I currently have the funds available in my account and am willing and able to pay my mortgage immediately. However, the company has blocked my ability to make payments online or over the phone. Due to my physical limitations and disability, I am unable to physically travel to a branch location to make payments in person. I explained this to the company and requested a reasonable accommodation or an accessible alternative payment method, but no reasonable solution has been offered. As a result, I feel I am being unfairly prevented from making my mortgage payment even though I have the funds available and have made repeated efforts to resolve the issue. The companys refusal to provide accessible payment options despite being informed of my disability-related limitations has caused unnecessary hardship and stress. I am requesting assistance in ensuring the company accepts payment through a reasonable and accessible method and provides clear written policies regarding any payment restrictions. I really need to make a payment online or by phone I have no other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Top Line Collectors LLC
State: MD

Complaint narrative:
I am disputing this collection account because I do not believe the debt information being reported is accurate or properly validated. I am requesting that Top Line Collectors LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX provide complete verification of the alleged debt, including the original account information, payment history, signed agreement, and proof that the account belongs to me. I also request verification that the amount being reported is accurate and that the companies have the legal authority to collect on this account. Until proper validation is provided, I request that this collection account be investigated and removed from my credit report if it can not be verified as accurate and complete under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I initiated a withdrawal of XXXX XXXX via the XXXX XXXX from my Kraken account to my XXXX wallet. The transaction has been stuck in " In Progress '' status for 4 days and never reached the XXXX. Transaction ID : XXXX. Reference ID : XXXX. Support Ticket : # XXXX. Kraken informed me that my account is restricted but has not provided a reason or timeframe for resolution. I have contacted Kraken support multiple times via their ticket system and via XXXX ( XXXX ) XXXX XXXXXXXX. They acknowledged the issue twice and said they " pushed '' the case, but no resolution has been provided. My funds remain inaccessible with no explanation. I am requesting that Kraken immediately release my funds or provide a specific reason and timeline for the restriction.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, I visited a Fifth Third Bank branch in XXXXXXXX XXXX on XXXX XXXX XXXX to open a checking account. The banker entered all of my information, but at the final step, the bank system would not allow the account to be opened. The banker was unable to determine the reason and tried several times over the following days, but the system still did not work. Eventually, he contacted me and explained that the bank could not verify my information. I do not understand why this happened. I provided all of the required documents to open the account, including my drivers license, a second form of ID, and my checkbook. I would appreciate it if you could investigate this issue and help resolve it so that I may open a checking account with Fifth Third Bank. Thank you for your assistance. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent collection reporting associated with identity theft. I recently completed and submitted an FTC Identity Theft Report regarding accounts being reported by your company that I do not recognize and did not authorize. I formally disputed these accounts and requested investigation, validation, and removal pursuant to FCRA Section 605B, 15 U.S.C. 1681c-2. Despite my dispute and identity theft documentation, these accounts continue to be reported and/or collected upon, causing significant harm to my consumer reports and housing opportunities. I am requesting that the CFPB review this matter and require the company to : Conduct a proper investigation Provide full validation and supporting documentation Cease collection activity pending investigation Block and remove any fraudulent or unverifiable reporting Confirm the results of the investigation in writing Attached supporting documents include : FTC Identity Theft Report I am requesting immediate compliance with federal consumer protection laws and correction of my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I am disputing an alleged rental debt being furnished and collected by Fair Collections & Outsourcing related to XXXX XXXX. My dispute is not about whether I lived at the property. I lived there as an occupant. My dispute concerns whether reliable proof exists that I personally signed or authorized an agreement making me financially responsible for the alleged debt being reported. At one point, I referenced myself as a resident or tenant in communications regarding the property. At the time, I was using those terms colloquially to describe that I lived at the residence and did not understand the legal distinction between residing at a property and personally assuming contractual financial liability for the debt being reported. I repeatedly disputed this account and explained that : I was an occupant rather than a financially liable leaseholder I never personally signed or authorized the alleged lease obligation The alleged DocuSign records did not reliably verify my identity as the signer The document was not sent to my email address On XXXX XXXX, XXXX, I mailed a certified dispute packet directly to FCO disputing the account. The dispute packet was delivered XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I requested a description of verification and specifically requested information concerning how contractual liability was supposedly verified. On XXXX XXXX, XXXX, I again informed FCO that verifying the existence of a balance is not the same as verifying legal responsibility for that balance. On XXXX. XXXX, XXXX, I again disputed the account directly with FCO by email and explained that the records being relied upon did not establish that I personally signed or authorized the debt. Despite repeated notice, FCO continued furnishing and verifying the account with consumer reporting agencies. Equifax later deleted the same account after reinvestigation. The account was ultimately removed around XX/XX/XXXX. However, this complaint concerns the repeated furnishing and verification activity that occurred after detailed written notice disputing liability had already been provided. I requested verification of the debt, description of verification, proof of contractual liability, supporting documentation, and investigation details regarding how the account was verified and reported. FCO did not provide documentation reliably establishing that I personally signed or authorized the alleged debt. The core dispute was repeatedly narrowed to contractual liability and authorization, not merely the existence of a balance.

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 2026-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I reported an unauthorized transaction immediately after discovering my Cash App card had been used without my permission. I canceled the card and requested a replacement right away. Despite this, my dispute was denied with vague statements claiming I either authorized the transaction or provided access to my card. I requested the evidence and reasoning used to make this determination, but I was not provided a meaningful explanation. I am requesting a full reinvestigation and reimbursement under applicable consumer protection laws regarding unauthorized electronic transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I went to use paypal to process and invoice for goods and services through their service for a sold Item on XXXX XXXX. Paypal removed the account restriction which was seemingly on my account. I sold and shipped the item. Later I get another hold, I call they rectify it. Later that night they tell me they're permanently restricting my account and not releasing my funds. There's no reason, no way to appeal, and to top I've already gone through this twice in the same 24hr window. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am disputing inaccurate credit reporting by TransUnion related to an alleged rental debt furnished by XXXX XXXX XXXX XXXX connected to XXXX XXXX. My dispute is not about whether I lived at the property. I lived there as an occupant. My dispute concerns whether reliable proof exists that I personally signed or authorized an agreement making me financially responsible for the alleged debt being reported. At one point, I referenced myself as a resident or tenant in communications regarding the property. At the time, I was using those terms colloquially to describe that I lived at the residence and did not understand the legal distinction between residing at a property and personally assuming contractual financial liability for the debt being reported. I repeatedly disputed this account with TransUnion and explained that : I was an occupant rather than a financially liable leaseholder I never personally signed or authorized the alleged lease obligation The alleged XXXX records did not reliably verify my identity as the signer The document was not sent to my email address I first disputed the account with TransUnion in XX/XX/XXXX after the account appeared on my credit report. I submitted another dispute to TransUnion in XX/XX/XXXX after the account continued reporting despite prior notice. On XXXX XXXX, XXXX, a certified written dispute was delivered to TransUnion disputing the reporting and requesting investigation related information. Despite repeated notice and disputes, TransUnion continued reporting and verifying the account. On XXXX. XXXX, XXXX, the account was reportedly verified as accurate and updated despite the disputes and supporting information previously provided. The reporting contributed to housing denials, insurance related adverse actions, credit denials, and lending related harm. XXXX later deleted the same account after reinvestigation around XX/XX/XXXX. However, TransUnion continued reporting and verifying the account after detailed notice disputing liability had already been provided. I requested reinvestigation, method of verification, proof of contractual liability, supporting documentation, and investigation details regarding how the account was verified and reported. I do not believe sufficient documentation was provided reliably establishing that I personally signed or authorized the alleged debt. The core dispute was repeatedly narrowed to contractual liability and authorization, not merely the existence of a balance.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a call from a phone number XXXX claiming to be chase, offering a lifetime 3 % interest rate. They asked for my card info and I would not supply it. But I did give the last XXXX of my social. The caller had my card balance and the last payment I made. Then after he gave that info he rapidly got off the line saying it was time to close and he would call tomorrow. I immediately logged into my chase card app and locked my card and set up notifications. I called chase and let them know and they suggested I report this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I was paying back my medical bill and at one point I had {$50.00} left in payment left to settle the amount I owed for the XXXX XXXX at the hospital I went too, three to four days before I planned to make a payment I was notified of my bill being illegally sent to collections ( even though I was well within my payment timeline ) by Aargon Collection Agency for an amount of {$1300.00}.

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 2026-05-20 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: NJ

Complaint narrative:
On XX/XX/year>, a vacation club membership agreement was signed with " XXXX XXXX XXXX '' for a total transaction amount of {$3500.00}. A legal rescission/cancellation notice was sent to the merchant within 24 hours of signing. The merchant acknowledged the validity of the cancellation by issuing a partial refund of {$1500.00}. However, the merchant illegally withheld the remaining balance of {$1900.00}, claiming it as a " non-refundable administrative and contract fee '' based on their internal terms. A billing dispute was filed with American Express for the remaining {$1900.00}. Detailed evidence was provided to American Express demonstrating that the merchant 's contract clause directly violates mandatory national consumer protection lawsspecifically, " The XXXX Vacation Plan and Time-Sharing Act ( CH. 141 ) '' : 1. Section 22 ( 1 ) ( g ) legally mandates a 100 % full refund of the " total amount of all payments made '' upon a timely rescission, explicitly prohibiting any penalties or withheld fees. 2. Section 22 ( 1 ) ( f ) requires a mandatory statutory cancellation disclosure, which the merchant 's contract entirely omitted. Despite receiving clear proof that the merchant 's contract violates statutory law, American Express closed the dispute in the merchant 's favor on XX/XX/year>, and reaffirmed this decision via a letter dated XX/XX/year>. American Express frontline agents are mechanically upholding an illegal contract clause rather than enforcing the statutory mandate. The dispute has been formally reopened with American Express. I am requesting CFPB intervention to escalate this case to the American Express Executive or Compliance Office. They must review the statutory law violations and issue a permanent credit for the illegally withheld {$1900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 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: Atlanticus Services Corporation
State: LA

Complaint narrative:
I received a call on XXXX XXXX XXXX from a lady stating she was with XXXX XXXX XXXX XXXX She proceeded to say that there was a debt that I owe with XXXX and she does not represent them however, XXXX XXXX XXXX XXXX the debt from XXXX and wanted me to pay or make arrangements to pay {$2000.00}. I explained to her that I spoke to Fortiva in XXXX and other occasions about returning the equipment to to XXXX XXXX XXXX because due to major medical issues I was unable to pay for this equipment any longer. She replied she did have anything to do with XXXX either. She referred me to speak to a supervisor and I told him the same information. The call ended and I received an email with a balance of {$2600.00}. Owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX & now XX/XX/XXXX someone has been using my personal info going on Wells Fargo and trying to open up a checking account under my name I did have the first account closed but recently letters from Wells Fargo shows me someone has been applying up to 12 times recently and being denied but nothing has flagged how many times this personal is trying or making it strict to open an account

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 2026-05-20 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
I am filing a formal complaint against 21st Mortgage Corporation for predatory, deceptive, and unlawful collection practices regarding a foreclosed property in Louisiana. Under Louisiana Revised Statute XXXX, a creditor is strictly barred from seeking a deficiency judgment unless the property is sold with a lawful appraisal. 21st Mortgage failed to serve the required 7-day appraisal notice, meaning the remaining debt is legally dead and unenforceable under Louisiana civil code. Furthermore, a representative from 21st Mortgage actively engaged in consumer deception on the phone. She explicitly told me that they " know Louisiana law '' but claimed the strict appraisal rules " do not apply because the home is a moveable or mobile home. '' This is a blatant, bad-faith misrepresentation of Louisiana law XXXX La. R.S. 13:4106 explicitly states that a deficiency is prohibited without appraisal whether the property is " movable, immovable, or both. '' Additionally, La. R.S. 9:5363.1 strictly mandates qualified appraisals for factory-built and mobile homes to protect debtors from this exact type of predatory behavior. The representative also admitted the home has already been sold, yet claimed it " takes three months '' to determine what I owe them, keeping this illegal threat hanging over my head as an intimidation tactic to force a voluntary payment on an uncollectible debt. I demand that 21st Mortgage permanently cease and desist all collection activity, mark this account as closed with a {$0.00} balance, and immediately stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I move our of the area so I took my cable box and remote and modem and wi-fi box back to XXXX XXXX XXXX and told them I am moving out of area so they balance me out and I paid in cash for my balance about {$200.00} to {$300.00} and closed my account with them. they gave me a receipt that I owe no money and that I retuned the equipment. that was about over a year ago and when I check my credit I saw a collection from them on my credit, they never billed me I was on auto pay they never tried to withdrew any funds. now I don't have the receipt no longer and when I called them they said I would have to call XXXX XXXX not them, and when I call XXXX XXXX they told me to call the collection company only. their policy is very strict when you return the equipment you must have a XXXX balance or you pay at the time you return the equipment. for pass 1 year+ they have not contacted me, I am on paper less via email never got any emails from them and they know I moved to area that XXXX does not service so they send me to collection. this is bad business. I do not owe them not even a XXXX

Company response to consumer: Closed with explanation