vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX in the amount of {$1800.00} using my Bank of America credit card. The product was never delivered, and the order was later canceled by the merchant. On XX/XX/XXXX, XXXX issued a partial refund of {$190.00}. Because the order was canceled and the merchandise was never received, I filed a dispute with Bank of America for the remaining amount owed. On XX/XX/XXXX, Bank of America issued a partial balance adjustment of {$1400.00} and marked the dispute as resolved. However, the adjustment amount was mathematically incorrect and did not fully reimburse the transaction. Transaction breakdown : - Original charge on XX/XX/XXXX : {$1800.00} - Partial merchant refund on XX/XX/XXXX : - {$190.00} - Remaining balance owed : {$1600.00} - Bank of America adjustment on XX/XX/XXXX : - {$1400.00} - Remaining unresolved balance still owed to me : {$190.00} Since XX/XX/XXXX, I have repeatedly contacted Bank of America by phone to request correction of the remaining balance and reopening of the dispute investigation. Each time I was told the matter would be reviewed, but no correction has been made, and the bank continues to treat the dispute as resolved despite the unresolved balance. I am requesting that Bank of America issue the remaining credit of {$190.00} and provide a written explanation showing how the prior adjustment amount was calculated.

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Direct Cash LLC
State: TX

Complaint narrative:
On Wednesday, XX/XX/year> at XXXXXXXX XXXX., I made an early payment toward my loan with Direct Cash LLC using my XXXX XXXX debit card through their payment system as their system allows for early payments and IS an option via the site. Despite this early payment being successfully submitted, Direct Cash LLC still processed another charge on the originally scheduled payment date XX/XX/year> ( early morning transaction at approximately XXXXXXXX XXXX. ). This resulted in a duplicate debit card charge. Because of this duplicate charge, the remaining balance in my XXXX XXXX account was significantly reduced, and my overdraft coverage was triggered for subsequent transactions that otherwise would have cleared normally. This created a chain reaction of overdraft activity and additional financial impact that would not have occurred if the duplicate charge had not been processed. I contacted Direct Cash LLC immediately after discovering the issue. I was informed by phone that the matter would be escalated to another department, but no timeframe for resolution was provided. I followed up in writing and allowed additional time for resolution, including through the weekend and until Monday morning, as the company is open on XXXX. Despite this, I did not receive any response or update. As of today XX/XX/year>, the issue remains unresolved. Summary of issue : - Early payment made : Wednesday, XX/XX/year> at XXXX p.m. ( XXXX XXXX debit card via Direct Cash LLC payment system ) - Duplicate charge processed : Approximately XXXX a.m. on the scheduled payment date - Result : Duplicate debit card transaction caused overdraft coverage activation and financial loss - Company response : Escalation promised, but no follow-up or resolution provided despite multiple contact attempts and additional time given

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
National credit systems XXXX I demand that your reinvestigation include a review of the following " wet-ink '' documentation : The Original Authenticated Contract : I demand to see a copy of the notarized contract between myself and National Credit Systems that authenticates this specific debt and grants them the legal authority to report this data to my credit file. Validation of Debt : Pursuant to 15 U.S.C. 1692g, National Credit Systems must provide a complete breakdown of the alleged debt, including the original principal and any subsequent interest or fees added, to prove the balance is 100 % accurate. Proof of Assignment : Provide the specific " Letter of Assignment '' or " Bill of Sale '' that legally transfers the rights of the original creditor to this third-party agency. Statutory Obligation : If you can not produce a notarized contract or the specific documents listed above that verify every data pointincluding the exact balance, date of first delinquency, and statuswithin the 30-day statutory window, you are in violation of federal law. In such an event, this account must be deleted immediately and permanently from my credit report. Failure to properly investigate this claim will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and potential civil litigation for non-compliance. I expect a corrected copy of my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I authorized a payment of {$310.00} via PayPal for an order of five items. Upon delivery, the order was significantly incomplete, containing only three items. More importantly, all items received were severely contaminated with unidentified dark liquid stains and emitted a pungent, toxic chemical odor that is hazardous to inhale. I immediately filed a dispute with PayPal ( Case XXXX ) , providing clear photographic evidence of the damage and contamination. Despite the documented safety hazard, PayPal 's resolution center has mandated that I return these contaminated items to the seller in XXXX to receive a refund. This requirement forces me to violate international shipping and postal safety regulations ( XXXX protocols ), which strictly prohibit the mailing of hazardous or chemically contaminated materials. Shipping these items back would pose a serious health risk to postal workers and transportation personnel. PayPal has ignored my repeated safety concerns and is essentially demanding that I perform an illegal and dangerous act as a condition for my refund. I am seeking a full refund of the {$310.00} without the requirement of a return, as the items are legally unmailable and unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Mercury Financial Intermediate LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX company using third party Collection after charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I contacted Wells Fargo in XX/XX/year> formally requesting documents required by the XXXX XXXX to transfer our vehicle from VA to NY. They then sent incorrect documents that instructed the XXXX to fax information to Wells Fargo. This delayed the process by over a month. In XXXX or XXXX, I contacted Wells Fargo to confirm receipt of said fax and they responded they do not have a fax machine. They told me to return to the XXXX and get the paperwork they had faxed and email it instead. The XXXX didnt have copies of their fax records. I then called Wells Fargo again, and was then told that all of the previous instructions were incorrect and for XXXX the Wells Fargo support representative should have sent me a copy of the certificate for title and power of attorney for me to bring to XXXX in XXXX. I then waited several weeks and called again and a Wells Fargo representative said the process could take 13 weeks, not what they told me last time. The representative the became irate when I asked to be escalated to a supervisor and said it could take several hours for him to transfer me and Id need to wait on the line. This is completely unacceptable and has prevented me from legally transferring my car to NY and registering in a timely fashion. I now can not drive a car Im paying for because of the company Im paying. Please help correct this intentionally malicious behavior to prevent and delay my official business.

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MD

Complaint narrative:
On XX/XX/year>, I financed an XXXX purchase of {$560.00} through Klarna 's " Pay over 6 months '' installment product. I paid {$190.00}. The merchant issued a full return reducing my Klarna balance to {$0.00}. On XX/XX/year>, Klarna confirmed the refund but redirected my {$190.00} into a proprietary Klarna internal wallet loaded onto a Klarna-branded debit card without my consent, violating the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693. Klarna 's wallet displayed gift cards and retail promotions to encourage spending rather than returning my money. Because funds were trapped, I was forced to use {$31.00} toward a Klarna payment, leaving {$160.00} still withheld. On XX/XX/year>, I contacted Klarna demanding return of funds. The representative refused and pressured me to apply the balance toward a separate {$40.00} Klarna account or make a new purchase an unconscionable collection tactic violating the FDCPA 15 U.S.C. 1692f. I identified this as deceptive. The representative claimed to file a complaint. No refund has been issued. Klarna 's Buyer Protection Policy states refunds return to the original payment method, directly contradicting their practice in violation of the FTC Act 15 U.S.C. 45 ( a ) and CFPA 12 U.S.C. 5531. As a financed installment account at {$0.00} balance, Klarna is required under Regulation Z 12 C.F.R. 1026.11 ( a ) to return credit balances within seven business days of written request. That deadline has passed with no refund issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I made a purchase of {$430.00} ( Transaction : XXXX ). The order arrived on XX/XX/year>, incomplete and severely contaminated with a toxic-smelling substance, posing a direct health hazard. Despite my filing an official police report for fraud and providing photographic evidence of the hazardous condition of the items, PayPal ( Case : XXXX ) is negligibly demanding that I mail these toxic materials back to the seller to receive a refund. Shipping hazardous waste is a violation of international safety regulations, yet PayPal refuses to acknowledge the legal and safety risks involved. This is not the first time I have experienced such dismissive and unprofessional treatment from PayPal ; they consistently ignore evidence and prioritize automated procedures over consumer safety and law enforcement documentation. I demand that PayPal honors its buyer protection policy and issues a full refund immediately without requiring the return of dangerous and fraudulent goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year> @ XXXX PMXXXX I placed an appliance order with Lowe 's and used the PayLater option through Synchrony Bank. The order was for {$8400.00}. I applied for and was approved for a loan in the amount of {$4900.00}, the balance of which I placed on a personal CC 'd ( {$3400.00} ). On XX/XX/year> @ XXXX XXXX, less than two hours after placing this order, Lowe 's canceled it. No items were shipped, and none were received due to this cancellation. On XX/XX/year>, I called Synchrony Bank, the issuer of the Lowe 's PayLater, to ask about canceling the loan and to request a refund of the {$3400.00} I had paid with another CC. I also asked them to remove my bank account from their records since I had included it in the application to set up auto-pay, but they refused both requests. They said they could not remove my bank account info and would not refund the money to my card. Instead, they informed me that a check for {$3400.00} would be mailed to me within 30 days. Because I had used another CC, I would have had to pay interest on a canceled purchase, so I disputed the charge with my CC company. After 60 days, Snychorny was unable to validate the debt, and my CC company ruled in my favor. Instead of dropping the invalidated debt, Snychrony added the disputed balance to the PayLater credit amount, even though the account should've been closed, and now they are persistently harassing me, claiming that I owe them this money. In addition to this continued harassment, they are mounting the debt, claiming it's because of the unpaid payments. This is despite the evidence I've sent them proving the debt is invalid, and after multiple calls to Lowes telling me they never received any money from Synchrony because they only draw the money when Items are shipped, NO ITEMS WERE SHIPPED. The order was canceled by Lowe 's less than two hours after being placed. Up to this interaction, I was a longtime account holder of multiple CC offered by Synchrony, including my XXXX XXXX card. I never missed a payment and over the lifetime of the card spent over $ XXXX. They canceled it without a reason. I could write a book about this company and why I would never do business with them ever again. This company does not deserve your business.

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 2026-05-18 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
I am filing this complaint regarding ongoing servicing and accounting issues with 21st Mortgage XXXX involving my mortgage payoff, escrow handling, insurance servicing, and an alleged overpayment that the company is now attempting to recover after formally representing my loan as paid in full. For years, my homeowners insurance was paid through escrow by 21st Mortgage. During a prior policy renewal period, my insurance coverage lapsed for approximately three months. I later discovered that 21st Mortgage had incorrect information in its system regarding my policy renewal timeline and lienholder information. In written email correspondence, representatives of 21st Mortgage admitted they did not catch the incorrect lienholder address. At the time, I repeatedly contacted XXXX XXXX trying to understand why my account and premiums were changing. I was never clearly informed that my premium had not been paid or that my coverage was about to lapse. Because 21st Mortgage had historically paid the insurance through escrow, I reasonably believed the policy was being handled properly. Following a later insurance loss/payoff situation, I received formal written documentation from 21st Mortgage stating that : * my mortgage loan had been paid in full, * the balance was XXXX, * final title/documents had been released, * and overage funds had been issued to me. Months later, after relying on these written representations, 21st Mortgage contacted me claiming that approximately {$12000.00} had allegedly been issued incorrectly and requested repayment. In subsequent correspondence, the company acknowledged that one of its employees incorrectly advised me that there was no balance remaining. I am extremely concerned about the repeated inaccuracies and servicing errors involving my account, including : * escrow and insurance handling issues, * incorrect policy information, * admitted internal mistakes, * conflicting payoff/accounting information, * and the issuance of formal paid-in-full documentation prior to attempting to recover funds. I am requesting : 1. A full accounting and explanation of the alleged overpayment 2. Complete escrow and insurance payment history 3. Copies of all internal records related to the insurance payoff and overage disbursement 4. An explanation of why the account was formally represented as paid in full if a balance allegedly remained 5. Assurance that negative credit reporting or collection activity will not occur while this matter is disputed and under review I am requesting a formal investigation into the servicing and accounting practices related to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc. ( TSI ) is attempting to collect two debts from me that are allegedly owed to XXXX XXXX XXXX XXXX XXXX as the original creditor. I formally dispute both accounts and the amounts claimed. Disputed accounts : 1. TSI Account / Reference : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Creditor account : XXXX Related XXXX rental : XXXX Amount claimed by TSI : {$550.00} 2. TSI Account / Reference : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount claimed by TSI : {$660.00} I am not refusing to address any amount that may be properly owed to XXXX as the original creditor. I am disputing the amounts as currently presented by TSI, the placement of these accounts with a collector, and the addition of collection fees, surcharges, or other charges beyond what the underlying rental contract and applicable law permit. I submitted a written dispute and request for verification to TSI through its consumer contact form, requesting full verification under the Fair Debt Collection Practices Act, 15 U.S.C. section 1692g, including : the original signed XXXX rental agreements ; the original XXXX invoices ; a full line-item itemization separating the original XXXX balance from any collection-added fees, interest, or surcharges ; the legal and contractual basis for every added fee ; the date each account was placed with TSI ; and confirmation of whether either account has been reported to any consumer reporting agency. To date, I have not received adequate written verification or itemization of either account. I am requesting that the CFPB direct TSI to : 1. Provide complete written verification and a full line-item itemization of each disputed account, clearly separating the original XXXX balance from any fees, interest, or charges added by TSI or any prior collector. 2. Cease all collection activity on the disputed amounts until full written verification has been provided. 3. Refrain from reporting either disputed account to any consumer reporting agency while the dispute is unresolved, and if either account has already been reported, immediately mark each tradeline as disputed by the consumer with all credit bureaus to which it was furnished, and correct or delete inaccurate information as required by the Fair Credit Reporting Act, 15 U.S.C. section 1681s-2. 4. Investigate and justify in writing every collection fee, surcharge, or other charge added beyond the original creditor balance. 5. Clarify in writing the exact amount, if any, that TSI contends is properly owed to XXXX XXXX XXXX XXXX XXXX as the original balance, separated from any collection-related additions, so I can address any legitimate original balance directly with XXXX. This complaint does not constitute an admission of liability, a promise to pay, or a waiver of any defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Texas Guaranteed
State: MI

Complaint narrative:
A loan company in Texas charged over {$600.00} before they transferred my debt to another loan company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I deposited over XXXX $ dollars in robinhood account and only made XXXX outgoing transfers of XXXX XXXX and yet my account is missing XXXX XXXX account is at XXXX and its impossible to get a hold of a live agent, its all ai and unable to help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Today ( XX/XX/year> ), I received a call from XXXX, stating they were from Ability Recovery Services ( ARS ) and asked me to give them a call back at XXXX. First I called the XXXX number got disconnected after it said " there's nobody available '' twice. I called the XXXX number and the same thing happened as well. I go to their website, which is filled with dead links, is an extremely basic site and the only way to contact them is to leave your info on the website. Except for a XXXX ext XXXX. Sent me to a voicemail for someone named XXXX. However XXXX is 100 % an AI voice program. So I go to their XXXX page to look at reviews and I see another supposed contact number XXXX, so I call that number and it loops me back to " XXXX '' 's voicemail. Also on XXXX they average XXXX stars, I'm assuming because they are scamming other people as well. Yet the most recent reviews are all 5 stars? I'm not sure if this a legit service or not, and if it is, they may have scammers using their info to scam their customers. However there is definitely something suspicious with how this company communicates.

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