vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Company : PayPal , Inc . 
Product/Service : Digital wallet / Payment processing Issue : Incorrect balance / attempted collection of funds not owed Amount in dispute : {$110.00} I am disputing an incorrect negative balance of - {$110.00} on my PayPal account XXXX 

Background : On XX/XX/XXXX, I made a PayPal purchase for {$270.00} for two pairs of boots. 

On XX/XX/XXXX, the seller issued a partial refund of {$160.00} for one pair of boots. 

The remaining {$110.00} for the one pair I received was disputed through my credit card issuer ( XXXX ) for merchandise not as described. 

On XX/XX/XXXX, XXXX finalized the chargeback and credited my card {$110.00}. 

PayPal did not issue a provisional or final credit to me for {$110.00} at any time. 

After the chargeback was finalized, PayPal closed its internal dispute and then incorrectly claimed I had received a duplicate credit, placing my PayPal account into a negative balance of - {$110.00}. PayPal representatives have been unable to identify any PayPal transaction or ledger entry showing that PayPal advanced funds to me in this amount. 

PayPal is now asserting that I must repay {$110.00} solely because the credit card issuer recovered the funds through the card network. A card-issuer chargeback does not create a repayment obligation to PayPal unless PayPal first advanced funds to the consumer, which did not occur here. 

I am requesting : Removal of the incorrect negative balance of - {$110.00}, and Written confirmation that PayPal did not issue a provisional or final credit for this amount. 

PayPals current position appears to be a ledger reconciliation error following a chargeback and partial seller refund, and repeated attempts to resolve this through customer support have failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp account number XXXX Cashapp tag $ XXXX Funds were sent to my Cash App balance and show as completed in Cash Apps system. When I attempted to withdraw the funds, they were never delivered despite multiple attempts. Cash App later closed my account and is refusing to accept a dispute, even though the transactions occurred while the account was active. Under Cash Apps Terms of Service, account closure does not remove my right to dispute transactions. I am requesting an investigation, ledger reconciliation, and release of the funds or a documented explanation of where the funds are held.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information presently reflected in my financial record appears to be incomplete and inaccurate, and I respectfully request a careful review and prompt corrective action to address these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: NY

Complaint narrative:
A payoff check issued as part of a real estate closing was sent directly to GreenSky , LLC as payee to satisfy a solar loan. The check was sent via XXXX Priority Registered Mail and was delivered and signed for on XX/XX/XXXX. 

Despite proof of delivery, GreenSky has not acknowledged receipt or applied the payoff. GreenSky representatives have stated that the payoff will not be credited unless I obtain a negotiated check image from XXXX. I am not the payee on the check and not a XXXX customer, and XXXX will not release such documentation to a third party. 

As the named payee, GreenSky is responsible for locating, confirming receipt of, and depositing funds delivered to its address. I am requesting that the payoff be credited as of the delivery date and that no interest, fees, or negative credit reporting occur due to this delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: OPTUM BANK, INC.
State: UT

Complaint narrative:
In late XXXX, I began disputing monthly maintenance fees of {$2.00} that had been charged to my Optum Bank XXXX  account since XXXX, despite maintaining an average balance well above {$2000.00} ( the threshold shown on Optum 's public-facing fee schedule at the time, per a screenshot I captured in XX/XX/XXXX ). 
In XX/XX/XXXX, after over an hour on a recorded phone call with an Optum agent, I was told the fees would be investigated and I would receive an email resolution within 35 business days. No email or follow-up ever arrived. 
In XX/XX/XXXX ( around XX/XX/XXXX ), I escalated via live chat. Agent XXXX confirmed the fees were due to an internal {$3000.00} average balance requirement ( per " offering code '' or employer-linked update ), but the public website still showed waiver at {$2000.00}. She escalated the case ( XXXX ) to a " concern department '' with a promised email update within 23 business days ( by approximately XX/XX/XXXX ). No email or communication was received. 
On XX/XX/XXXX, I reopened live chats multiple times. Agents repeatedly promised further " escalations '' to speed resolution, but provided no new reference numbers, supervisors, or timelines beyond vague assurances. One agent directed me to email XXXX for unresolved issues, which I did shortly after, attaching evidence and requesting full reimbursement. 
No resolution, reimbursement, or follow-up has occurred from any channel until XX/XX/XXXX, XXXXover two months since the initial escalation and more than a month since the last promised timeline. 
The fees appear improper because : I relied on the public disclosure of a {$2000.00} balance waiver ( screenshot evidence from XX/XX/XXXX ). 
The site was later updated to show a {$3000.00} threshold, and then again to {$5000.00} ( or variations in other plan docs ), but no notice of change was provided before or after fees were charged. 
My balance exceeded {$2000.00} consistently, so fees should not have applied under the terms visible at the time of assessment. 
Repeated failures to investigate/follow up as promised compounded the issue. 

I request full reimbursement of all {$2.00} monthly maintenance fees charged since XX/XX/XXXX, plus written clarification on the conflicting disclosures and lack of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
SOURCE RECVB is falsely reporting on my credit. I have never had any accounts with them. Per my research SOURCE RECVB 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 explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am a victim of identity theft following a vehicle theft in which my wallet and personal identifying information were stolen. After this incident, unauthorized charges were made to my Santander credit card that I did not make or authorize.

I reported the fraudulent charges to Santander and disputed them as unauthorized. Despite this, Santander has failed to fully resolve the fraud and continues to associate me with charges resulting from identity theft.

I have filed an official FTC Identity Theft Report ( Report # XXXX ). All disputed charges are related to this identity theft incident. Santander has not conducted a reasonable investigation and continues to hold me responsible for unauthorized charges, fees, and interest.

I dispute these charges in their entirety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
CFPB Complaint : Predatory Billing & Unfair Debt Collection Company Name : XXXX XXXX XXXX ( and " Diversified Adjustments '' as the related company ) Product/Service : Debt Collection / Credit Reporting Description of Incident : I am filing this complaint against XXXX and their agent, Diversified Adjustments, for deceptive trade practices, retaliatory billing, and egregious violations of the Fair Credit Reporting Act ( FCRA ). 

Bait-and-Switch Pricing : I secured service for three lines with a quote of < $ XXXX/month. XXXX failed to honor this rate for 75 % of my tenure. Furthermore, I experienced a total failure of service in my area despite explicit coverage guarantees. 

Intentional Obstruction of Payment : Upon porting my numbers to a new carrier, XXXX immediately revoked my access to their app and online portal, while simultaneously disabling my Autopay. This created a " XXXX '' where I was unable to view or pay my final bill digitally. 

Premature and Retaliatory Collection : XXXX referred my account to Diversified Adjustments only three days after mailing a final paper bill, providing no reasonable window for payment.

Reporting of a Settled Debt : I mailed a paper check for the full balance, which XXXX received and cashed on XX/XX/year>. Despite the account being settled, Diversified Adjustments reported the " debt '' to the credit bureaus on XX/XX/year> and XX/XX/year>, causing a XXXX drop in my credit score.

Refusal to Rectify : When contacted, Diversified Adjustments stated I must pay them a second time for a debt already settled and that the derogatory mark would remain. XXXX refuses to assist, demanding a " PIN '' that they know I can not access due to being locked out of their system. 

Desired Resolution : I am seeking the immediate and permanent deletion of the collection trade line from all credit bureaus ( XXXX XXXX XXXX  ). A " Paid '' status is not acceptable ; this was a XXXX-balance account when reported. I also demand a formal letter from XXXX confirming the account is settled and was referred to collections in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am formally demanding that AAFES reopen and conduct a full fraud investigation into the Military Star and accounts being attributed to me. Your continued refusal to do so, despite substantial evidence of identity theft, constitutes procedural error and violates federal consumer protection law. I did not open these accounts. I did not authorize their creation. At the time the accounts were opened ( XXXX XXXX  ), I had just graduated high school, had no affiliation with the U.S. military, and lacked legal capacity or eligibility to independently obtain Exchange credit. These accounts were fraudulently opened using my personal information without my knowledge or consent. You have asserted liability based on a claimed signature match and the presence of authorized users. This position is legally insufficient. Under federal law, fraudulent accounts remain invalid regardless of alleged signature similarity, especially where identity theft, or forgery by a parent or third party is alleged. Your position violates, but is not limited to, the following laws : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Furnishers must conduct a reasonable reinvestigation of disputed information and may not continue collecting unverifiable or inaccurate debt. 15 U.S.C. 1681s-2 ( b ) Requires reinvestigation upon notice of dispute ; refusal to reopen after new evidence constitutes non-compliance. Fair Debt Collection Practices Act ( 15 U.S.C. 1692e & 1692f ) Prohibits false representation of legal obligation and unfair collection practices. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Establishes that debts resulting from identity theft are void and unenforceable against the victim. DoD Financial Management Regulation ( DoD 7000.14-R ) Requires accuracy, fairness, and lawful debt determination for government collections. Further, asserting that I would list my mothers boyfriend as an authorized user on an account I allegedly opened for myself is illogical and inconsistent with normal consumer behavior. This contradiction alone warrants reopening and escalation of the investigation. Your prior assertion that this is a civil matter does not negate your legal obligation to correct fraudulently attributed debt. FORMAL DEMAND I hereby demand that AAFES : 1. Immediately reopen and conduct a full fraud reinvestigation 2. Cease all collection activity pending investigation 3. Recall the account from XXXX XXXX XXXX XXXX 4. Remove all credit reporting related to these accounts 5. Refund any funds or tax offsets wrongfully collected 6. Provide written confirmation of the investigation outcome

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
Before my loan is due all they way up until I make the monthly payment, they call and text and email constantly. I have ask them not to harass me and they won't stop. I have been late, but never missed a payment as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis 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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding {$240.00} in overdraft fees charged to my TD Bank account. I am currently unemployed and experiencing financial hardship, and I can not afford these fees. 

I contacted TD Bank customer service today to request a reversal based on hardship, but my request was denied due to prior fee reversals, despite my current circumstances being worse than before. 

These overdraft fees are preventing me from meeting basic living expenses. I am requesting a one-time hardship exception and reversal of these fees, or a partial credit, to allow me to stabilize my account during unemployment. 

I am making a good-faith effort to manage my account and have asked for overdraft protection to be removed to prevent future fees. I respectfully request reconsideration of this matter. 

On these dates the following overdraft fees were applied to my account : XXXX XXXX- {$100.00} XX/XX/year> - {$100.00} XX/XX/year> - {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I deposited over {$500.00} cash into a Santander ATM ( Branch : XXXX XXXX XXXX XXXX, XXXX, PA ). The machine malfunctioned and did not credit my account. I reported this immediately. 

Santander issued a provisional credit but later revoked it and denied my claim ( Case # XXXX ), stating no deposit was made. This denial caused my account to go negative. 

Today, on XX/XX/XXXX, I called the branch and was informed by staff that Santander has yet to obtain or review the security camera footage before denying my claim. Additionally, branch staff previously confirmed that the XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) confirmed a cash overage in the machine. 

Santander has failed to conduct a " reasonable investigation '' as required by Regulation E of the Electronic Fund Transfer Act. They denied a dispute without reviewing available video evidence or properly reconciling the ATM 's physical cash overage. I am requesting the immediate return of my funds and the reversal of all related fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
To whom may concern : I am submitting a formal complaint regarding Selene XXXX handling of my loss mitigation appeal for Loan XXXX XXXXXXXX. 

Selene XXXX  approved a modification that increases my interest rate from approximately 4 % to 8 %, while the monthly payment remains unchanged. I submitted a written appeal with supporting documentation and requested supervisory review. 

To date : Selene has not provided a written appeal determination.

Selene has not responded to my written questions regarding the basis for the interest rate increase.

Selene failed to provide the requested supervisory call.

I was only advised verbally that the rate would not be changed, which does not constitute a formal appeal decision. 

Selene has not identified any investor or servicing guideline requiring an interest rate increase when the payment does not change. The modification does not improve affordability or sustainability and appears punitive.

I am requesting : 1. A written appeal decision 2. The specific investor or servicing guideline relied upon 3. Confirmation my appeal was reviewed 4. Supervisory review of Selenes servicing conduct Attached are my appeal letter and supporting exhibits. I believe Selene is in violation of mortgage servicing standards and loss mitigation requirements. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened the account at Bank of America and I went to deposit a State issued check and was told my money would be available on Monday. The check was deposited on Saturday. I want to get my money and the service I was guaranteed. O am filing a complaint because how many people does this happen to when they deposit funds to the bank. 
XXXXXXXX XXXX Bank of American Regular 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 monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am disputing unauthorized debit card transactions that posted to my TD Bank account. I did not authorize these transactions. 

On the date ( s ) in question, I made a purchase at XXXX and selected only my TD Bank debit card at checkout. XXXX later confirmed that the transactions were charged to my TD Bank card and that they do not ping, test, or charge other cards without authorization. 

Despite this, TD Bank denied my dispute, stating valid online banking and no failed login attempts. This rationale is procedural and does not establish authorization. The absence of failed login attempts does not mean the transactions were authorized by me. 

I reported the transactions promptly upon noticing them and clearly stated that I did not authorize them. TD Bank has not provided evidence of authorization as required under Regulation E and instead relied on internal account-access assumptions.

I am requesting that TD Bank properly investigate under Regulation E, provide proof of authorization if it exists, and credit my account for the unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Portfolio Recovery Associates , LLC Re : Cease and Desist Duplicate Credit Reporting / No Contract To Whom It May Concern, I am writing regarding a collection account that Portfolio Recovery Associates , LLC is reporting on my consumer credit report.

Your company is reporting the same alleged debt twice, for the same amount of {$450.00}, under the following information : Creditor Name : Portfolio Recovery Associates Account Numbers : XXXX / XXXX Original Creditor Listed : Capital Account Type : Collection Account I dispute this account in its entirety. I have never signed a contract or agreement with Portfolio Recovery Associates, and your company is not the original creditor. Additionally, reporting the same alleged debt more than once constitutes inaccurate and misleading credit reporting. 

This letter serves as formal notice to cease and desist all collection activity and credit reporting related to this alleged debt. You have failed to provide competent evidence of a lawful obligation, and duplicate reporting violates the Fair Credit Reporting Act ( FCRA ). 

If you are unable to provide : Proof of a valid contract bearing my signature, and Proof of lawful assignment and authority to collect, you are required to delete this account entirely from all consumer reporting agencies. 

Please provide written confirmation once this account has been removed. All future communication must be in writing only. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation