vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wolf River Development Company
State: CA

Complaint narrative:
Company Name : XXXX XXXX ( as stated by caller ) Phone Numbers Used : ( XXXX ) XXXX and XXXX Complaint : I am filing a complaint regarding unlawful debt collection practices by an entity identifying itself as XXXX XXXX. On or about XX/XX/year>, I received a voicemail from ( XXXX ) XXXX instructing me to call back at XXXX regarding a payroll deduction for an unspecified employee. The message was vague, did not clearly identify the company, and referenced inconsistent reference numbers. Shortly after contacting me, this entity also contacted my employer directly. During that communication, they claimed there was a wage garnishment or payroll deduction related to me and requested employer involvement. They further sent my employer a copy of an alleged payday/tribal loan agreement. However, I have never been served with any lawsuit, court summons, or legal notice, and I am not aware of any judgment against me. There is no court order authorizing any wage garnishment. Despite this, the caller is attempting to pressure my employer to withhold wages. This conduct is unlawful for several reasons : - A debt collector is not permitted to disclose or discuss a consumers alleged debt with a third party, including an employer. - A wage garnishment can not occur without a valid court order or legally authorized process, which does not exist in this case. - The caller is misrepresenting the legal status of an alleged debt and attempting to induce unauthorized payroll deductions. - The communication with my employer appears designed to pressure and intimidate rather than follow lawful collection procedures. This may be related to an alleged high-interest online/tribal loan, but I have no confirmation that any original creditor authorized this conduct. Regardless, the actions taken by Valley Servicing are improper and potentially deceptive. Voicemail Transcript ( as received ) : Hello, this message is intended for [ unintelligible ]. My name is [ caller name unclear ], calling from Valley Servicing. This call is regarding a payroll deduction for an employee. Please contact our office at XXXX and reference number XXXX. Again, that number is XXXX, reference number XXXX. I am requesting that this matter be investigated, that the company cease all unlawful collection activity, and that appropriate enforcement action be taken. I can provide additional documentation, including the voicemail and details of the employer contact, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My Chase checking account was closed by the bank in XX/XX/year> following a mobile deposit verification issue. At the time of closure, my account statement dated XX/XX/year> shows a remaining balance of {$990.00} was removed from the account as a Debit XXXX - Check Charge. A XXXX Check Charge indicates that the bank converted my balance into an Official Bank Check ( Cashier 's Check ). I never received this check in the mail, and it has never been cashed. I still have the original physical check that was deposited, proving the transaction was legitimate. Despite my efforts to resolve this through Chase 's secure messaging, the bank has failed to locate these funds. They are currently holding nearly {$1000.00} of my personal property without cause. Furthermore, Chase allowed me to open a new active account with them in late XXXX, which confirms I am not on any internal blacklist for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My USAA checking/saving had an XXXX XXXX XXXX XXXX card with my direct deposit from the veteran affairs benefits pay. However, having requested credit returned on credit card about interval of {$1200.00} from separate merchants totaling over {$5500.00}. Everytime I called to get update I was told the account was under investigation and must wait. I have yet to be told credit amount found and paid in full

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 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
I refinanced my student loans with a private lender to reduce my APR. This was in XX/XX/XXXX. The new company paid it off, and sent the money to Mohela. There was an overpayment of {$2300.00}. The account history tab on Mohela 's website says they refunded it. Yet, all of my bank and private lender statements do not show any credit from Mohela for that amount. I figured it's the government. They're slow, and they XXXX at everything. I wait XXXX months. No electronic refund, no paper check, nothing. I call them in XX/XX/XXXX. I'm told they don't automatically process refunds, that they have to send in a request with the Treasury. First off, do you know how XXXX that sounds? Oh, we owe you money, but you need to claim it. I'm told to wait 120 business days. I wait. I call back in XXXX of XXXX. I'm told that it's still processing, and they can launch an inquiry and make it higher priority to figure out where the money went. I am told to wait 10 business days. I wait 10 business days. I call back, and I'm told to wait 10 more business days. I have been told 10 more business days for weeks now. XX/XX/XXXX, I'm told that they need to figure out of the check has been cashed before they send another one. They never sent the first one. If I owed them money, they would be calling my employer, garnishing my wages, destroying my credit history, charging me penalty fees and interest. Yet, they get to keep my money for free?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding NCB Management Services for failure to properly validate an alleged debt and failure to maintain a valid address for consumer correspondence. I previously sent a certified debt validation request to the company, which was not responded to. I made another good-faith attempt to request validation by sending a certified letter to the address publicly associated with the company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. However, the letter was returned by XXXX marked forwarding expired, indicating the company does not maintain a reliable or valid mailing address for consumer disputes. As a result, I have been unable to obtain proper validation of the alleged debt, including documentation of the original creditor, account agreement, and proof of my legal obligation to pay. Despite this, the account continues to be reported on my credit file. I have made multiple attempts to resolve this matter directly with the company, but they have failed to provide the requested information or maintain compliant communication channels. This has prevented me from exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this matter be investigated and that the account be removed from my credit report if the company can not proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
Someone took out a student loan in my name. I was notified on my credit monitor and I notified the school, the loan provider and the government aid department to let them know I didn't apply for a loan and it was fraudulent. They made the loan anyway and now refused to discharge it after I have provided all the details, police report and documents they need. The loan provider never verified it was actually me that was trying to take out a student loan, I haven't been in school in XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: MI

Complaint narrative:
I am submitting a complaint against PayPal regarding multiple unresolved transactions and a lack of proper investigation. First, on XX/XX/XXXX, I initiated a {$200.00} money transfer from my PayPal account to my XXXX account, using the instant transfer option. I reported the issue on the same day, as the funds never arrived. PayPal denied this dispute instantly, and they did not contact XXXX. Second, on XX/XX/XXXX, a payment of {$40.00} was made from my PayPal account to a person named XXXX. I reported this on XX/XX/XXXX. PayPal also denied this dispute instantly. Third, I had XXXX payments to my landlord via PayPal : one for {$140.00} and another for {$59.00}. These were supposed to be refunded, as I had evidence from XXXX XXXX XXXX XXXX XXXXXXXX, which covered these payments. Despite submitting emails and proof, PayPal did not resolve the issue. Since then, I have called PayPal nearly every day, requesting a manual review by the limitations department and asking that the calls be documented on my account. I have been ignored and often hung up on. I request that the CFPB investigate PayPals handling of these disputes, as the funds are still missing, and the customer service responses have been insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Credit Card through XXXX XXXX with CITI. It was opened automatically for me after XXXX cancelled their agreement with XXXX XXXX a few years ago so not my choice to even have that CITI credit card. A few days I had a fraudulent transaction reported to me after which a new card was issued. There was nonexistent customer service during this process, with the employee at the fraud department immediately canceling my current card and failing to provide me the number of the new one, and the information on the CITI Website was false i.e it said the new card had the same numbers as the old ones and I could use the old one whereas a completely new card was issued. Several calls to customer service where I obtained a human interaction also gave me false information like them saying the new card digits would be available, or a link would exist for expedited shipping on the website which are all false. The biggest problems is I had to get a new XXXX membership as it also canceled my current one, and the new card is shipped by UNTRACKED regular mail which can take up to XXXX weeks so I have no access to all the rebates and manage my purchases using it. There is absolutely no way to get it shipped expedited and as I noticed the forums and social media is ripe with a lot of similar complaints regarding extremely poor customer service, cards lost and never received after being sent by regular mail with no tracking whatoever, and with basically people hired to repeat " Sorry for the inconvenience, I can not do anything! '' like parrots on the customer service line. It is very frustrating and I need both XXXX to be aware that after quite a long time I have never been so frustrated with them as a side effect of them making such a poor choice of banking establishment for their credit card which after all represents them. I hope they change their relationship. I did complain to several Supervisors at the wharehouse close to me in person so they can also escalate this feedback higher up. I attached a screenshot from the website which shows a fraudulent/false claim that I can still use my old card which is a blatant lie.

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 2026-04-27 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: SC

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank denied my claim for unauthorized XXXX transfers despite clear evidence of account compromise and timely reporting. What happened My Citibank account was compromised. On XX/XX/XXXX, the bank detected a suspicious transfer of {$2400.00} and contacted me. Citibank canceled that transfer and instructed me to change my password and cancel my debit card, which I did. On XX/XX/XXXX, I discovered XXXX unauthorized XXXX transfers of {$500.00} each. The transfers were made on XX/XX/XXXX and XX/XX/XXXX. I reported these transactions to Citibank on XX/XX/XXXX and submitted a fraud claim. This was done over the phone. The following day, I visited my XXXX branch and explained the situation. We closed all my accounts and opened a new checking account. Also, a new debit card was issued. Despite the prior confirmed account compromise and my prompt reporting, Citibank sent me a letter denying my claim. XXXX XXXX. XXXX I have appealed and requested evidence that I authorized these transactions. Key points : Citibank had already confirmed suspicious activity on my account. The bank instructed me to change my password, indicating they believed my credentials were compromised. The XXXX transfers occurred after the initial compromise. I reported the unauthorized transfers immediately. I acted well within the 60 day Regulation E reporting window. Citibank has not provided evidence that I authorized these transactions. Under Regulation E, the bank must reimburse unauthorized electronic fund transfers unless it can prove the customer authorized them. Citibank has not done so. What I am requesting I am requesting that the CFPB require Citibank to : XXXX. Reopen and reinvestigate my claim in compliance with Regulation E. XXXX. Provide documentation supporting their denial, including investigation notes and any evidence used. XXXX. Reimburse the XXXX unauthorized XXXX transfers totaling {$1000.00}. XXXX. Confirm that my account is secure and that no further unauthorized transfers can occur.

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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I need to report these XXXX Cash App users who is doing scam and fraudulent wont send their customer their orders or do their service cash app is XXXX XXXXXXXX and other cash app tag is XXXX XXXX for both cashapp tags need be investigated and punishment and accounts closed and relationship termination and ended etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage is charging me for an insurance policy they bought. I have my own policy and uploaded it per their instructions. They have not responded and I can not get a hold of them. I've been hung up on XXXX times today. When trying to reach their insurance department as they instructed on their website, I can not get in because they have the wrong information again. In XXXX, they erroneously charged me with late fees because they had the wrong zip code for my bank and my billing address. It was their mistake and I never got restitution. I can never get a hold of this company. I am on social security and they are causing me a great, great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
I had transactions that were used for XXXX I had discussed it with cash app and cash app was supposed to dispute the transactions from their end with XXXX where I would have got credit for all transactions made through my credit card but cash app decided to close my account report fraud on my account and not return the money or contact XXXX like that was told then after me fighting it with you guys they reopened my account said that it was a mistake it was not fraud but never return the money that was used for the XXXX transactions I have been fighting this for a XXXX and cash apph up still has not resolved the issue. It just keep denying the claims but yet saying that they're still working on it and this has been going on catch up is refusing to give me back money that is owed to me that was wrongly used on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CA

Complaint narrative:
Complaint : Failure to Conduct Reasonable Investigation Under FCBA American Express I am filing this complaint against American Express regarding its handling of a billing dispute arising from a transaction with XXXX XXXX This dispute involves a contract that was induced through material misrepresentation and failure to deliver promised services, including : - Promised XXXX % travel savings ( not delivered ; actual savings minimal ) - Promised flight credit ( never received ) - Promised booking availability ( consistently unavailable ) I submitted disputes for charges tied to this agreement, including an initial charge of {$15000.00} and recurring charges of {$2300.00}. American Express has handled these disputes inconsistently and improperly : 1. Some recurring charges were credited, while othersarising from the exact same agreement and factswere denied 2. Certain disputes were rejected based solely on a 60-day limitation, without addressing that all charges stem from a single defective agreement 3. American Express failed to conduct a reasonable investigation into the underlying validity of the transaction 4. I continue to receive balance due communications despite the account being under active dispute These actions suggest that American Express relied on procedural defenses rather than fulfilling its obligations under the Fair Credit Billing Act. Under 15 U.S.C. 1666 and Regulation Z ( 12 CFR 1026.13 ), creditors are required to conduct a reasonable investigation of billing errors, including charges for services not rendered as agreed. Because all charges stem from a single agreement induced by misrepresentation, limiting disputes based on a rolling 60-day window is improper and results in inconsistent and unfair outcomes. I am requesting the following : - A full reinvestigation of all charges tied to this agreement - Reversal of all charges, including those previously denied - Correction of any inaccurate balances or collection activity - A written explanation detailing how identical disputes were resolved inconsistently I have attached a full dispute packet with supporting evidence, including contract materials, communications, billing records, and proof of non-performance. I expect American Express to comply with its obligations under federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding an auto loan account that is being reported inaccurately on my credit report through XXXX XXXX XXXX XXXXXXXX. I previously disputed this account ; however, the investigation conducted was not thorough and did not include proper verification of the account. The information being reported is either inaccurate, incomplete, or has not been verified with original documentation as required under the Fair Credit Reporting Act ( FCRA ). Despite my dispute, XXXXXXXX XXXX XXXX XXXX continues to report this auto loan account without providing sufficient evidence that it was properly verified. I have not received any documentation such as the original signed contract, complete payment history, or any records proving the accuracy of this account. If this account was verified, I am requesting that XXXX provide the method of verification, including the name of the party who verified the account and the documentation used in that process. If XXXXXXXX XXXX XXXXXXXX XXXX can not provide full and lawful verification of this auto loan account, I am requesting that this account be immediately removed from my credit report. This inaccurate reporting is negatively affecting my credit and must be corrected as required by federal law.

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