vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Longhorn Asset Management LLC
State: IN

Complaint narrative:
I am writing to formally dispute the remaining balance you are attempting to collect on the above-referenced account as this is fraudulent on your behalf. The original debt has been paid in full, and any additional interest, fees, or charges you are claiming are unauthorized, inaccurate, and disputed. Please be advised that I dispute this balance in its entirety pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I have contacted XXXX XXXX XXXX  and requested the agreement of the settlement. The account numbers with XXXX XXXX XXXX correctly in relation to what you have been provided with my XXXX XXXX. I have included as a courtesy the transactions showing where payment was reflected on my monthly statements. As you can see with the provided documentation below, I fulfilled the agreement to settle this account. I sufficiently completed the payoff on XX/XX/year> for the amount of {$600.00}. Specifically, I request the following documentation : Proof that the original debt was not satisfied, including a full payment history A copy of the original agreement or contract that expressly authorizes the assessment of post-payment interest or fees An itemized breakdown explaining how the current balance was calculated after the debt was paid Documentation establishing your legal authority to assess and collect these additional charges The statutory or contractual basis permitting continued collection after the account was paid in full Absent written proof that such charges are contractually and legally authorized, your continued collection efforts and any credit reporting constitute violations of XXXX  law, including but not limited to : Attempting to collect amounts not expressly authorized by agreement or permitted by law ( 15 U.S.C. 1692f ) Misrepresentation of the character or amount of a debt ( 15 U.S.C. 1692e ) Reporting inaccurate or misleading information to consumer reporting agencies ( FCRA ) Until this matter is resolved, you must immediately cease all collection activity and reporting related to this account. If you are unable to substantiate the legitimacy of these charges, you are required to delete this account from all consumer reporting agencies to which it has been furnished. This letter is not a refusal to pay, but a formal notice that the debt has already been satisfied and that the shows balance is disputed as inaccurate. Please respond within the time required by law. Thank You. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.

Complaint narrative:
Cash app charging extra fees when you withdraw money from there cards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX. They were concerned because I have a loan through their branch. They received a call that my home insurance was about to be dropped because payment was not made to XXXX XXXX from Wells Fargo through my escrow. 

It should be noted this exact problem happened last year. Wells Fargo had to send XXXX checks to XXXX which resulted in XXXX sending a check to me which I had to pay back to Wells Fargo because of their error. 

This year has been XXXX as worse. I should have been more thorough in my record keeping. I CAN'T BELIEVE IT IS THIS BADDDDDDD! 

I've made several calls to Wells Fargo. Each call resulted in a different answer. I wish I would have logged all of the calls because I've wasted hours of my time talking to different reps - each has given me a different answer as to what they are doing/ how things are progressing. 

I made payment to XXXX for my home insurance on XX/XX/XXXX. I've since contacted Wells Fargo and asked them to clean up my escrow account. They currently have the following checks impacting my escrow : XX/XX/XXXX - {$1800.00} Check XXXX from them to XXXX  XX/XX/XXXX - {$1900.00} Check XXXX from them to XXXX  XX/XX/XXXX - XXXX Check XXXX from them to XXXX  When I called XXXX, they indicated that not one check had been received. So, I had to pay the home owner 's insurance out of pocket and Wells Fargo is acting like they paid it. Paid it XXXX times in fact. There is no evidence that they have on the XXXX side of things. 

At this point, I have asked Wells Fargo to notate that I will be paying my home owner 's insurance since they can not be trusted. However, they state this process can not be rectified until my escrow is no longer in the negative. However, this is an error they have created due to negligence. 

I have spent XXXX hours trying to resolve this. I can't believe I am still attempting to do so.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
ON XX/XX/year> I sent a money transfer for {$11000.00} to a TD Bank XXXX XXXX XXXX, XXXX, MA XXXX for a Roadmaster XXXX electric scooter via an account o XXXX # XXXX ACT # XXXX Beneficiary XX/XX/XXXX XXXX The next day I received an email showing the transaction. The description of the scooter was correct but the model was incorrect and was shown a XXXX. I tried XXXX time to call the posted XXXX # as well as the XXXX 's # XXXX and emailing many times to try to get the model number corrected with never a return communications. Later in XXXX a shipment arrived at the locaXX/XX/XXXXshipping facility. I had them inspect the shipment to see if the correct product was enclosed. The reported that they saw a single seat scooter and it weighed XXXX pounds. According to the manufacture the single seat scooter only comes in the XXXX model and base weight is between XXXX to XXXX pounds As I was never been able to establish communications with the manager, I suggested that XXXX to contact the manage to see what he wanted to do with the shipment as I would not have it delivered to my home due to it was not what I paid for or wanted and I didn't want to get stuck with it. Since then, the manager, XXXX XXXX, had lied to me about the shipment and has ever since tried to charge me for him sending the wrong product. To this day I still have not got a full refund or the correct product. It this time I only want a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> i opened a savings account to redeem a bonus of {$1500.00} dollars if i had reached a deposit amount of {$100000.00} within 15 days of account opening. On XX/XX/XXXX i made a first deposit of {$58000.00}. On XX/XX/XXXX i deposited {$59000.00}. 

The terms state that i must hold the funds for 90 days in the account and within 60 days after that they would send me my bonus as stated on their terms. That deadline for them would be XX/XX/XXXX. 

XX/XX/XXXX i checked my statements and seen that i had not received a bonus yet, 20 days past deadline. This entire time i had thought that i was within terms to receive the full {$1500.00} bonus. 

When i called XX/XX/XXXX at XXXX in the XXXX  est. i spoke with a representative about having not received my bonus yet. He informed me that i was 1 day late to deposit the last required amount and that i would be receiving half the bonus, per my first deposit of {$58000.00} and apologized that they are 20 days late to send me my bonus. To add insult to injury they again " accidentally " made a mistake on the spot and credited me the full {$1500.00} bonus and moments later retracted it and gave me half {$750.00}. 

In my frustration i asked to speak with a supervisor where i was then passed to a XXXX XXXX. I explained my frustration to her and how i found it unfair that Capital one would hold me to the strictest value of their terms, but hardly loosely follow their own. They are holding me accountable for being 1 day late on a deposit, but never gave me any sort of bonus and never acted in holding up to their agreement until i went out of my way to call them and remind them of it, putting them 20 days past their own deadline. It seems that if i never called and asked about it they would have never given it to me. 
I asked XXXX XXXX if she thought that was fair, and she said " i apologize but we will still not be honoring the full bonus amount ''. 

I find this very unfair and one-sided enforcement. I am being held the most accountable for being 1 day late, but they will not offer remedy for breaching their own contract terms being 20 days past due, and only acting upon me calling. If i had not called it seems they would have never given it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AE

Complaint narrative:
I am unable to access my Fifth Third Bank online banking account. My password reset attempts fail, and phone customer support has not been able to resolve the issue. 

I am an XXXX XXXX XXXX XXXXXXXX who recently relocated to XXXX. After updating my two-factor authentication to my XXXX phone number, I lost access and can not complete login or recovery. 

Customer support requires me to verify details I can not access because they are locked behind the account itself ( for example, mortgage rate and original loan amount ). This creates an impossible situation : Im expected to provide information that Fifth Third holds, while being denied access to it. 

Despite this, Fifth Third has continued to accept my mortgage payments over the phone from XXXX for the past six months. This raises serious concerns : the bank is willing to accept my payments without full verification, yet refuses to restore access to my account using reasonable identity verification methods. 

I am requesting Fifth Third restore my online banking access through a manual reset or provide a workable identity verification process for customers located overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Someone stole my identyand tried to open up a credit card in my name on XX/XX/year>. I caught it on my credit report. Its listed as a hard inquiry. Other card applications were also sent in my name. I called Barclays and reported it as fraud. I asked them to cancel the application. I also called all the credit bureaus, out a freeze and identity theft alert on my accounts. The XXXX hard inquiry is still showing up on my. 
Credit report.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, my brokerage account with Robinhood was permanently closed by the company. At the time of closure, my account showed {$54.00} in buying power. 

Since the account was closed, I have been unable to withdraw these funds. The in-app support chat does not allow me to type, phone support only provides an automated message directing me back to the app or website, and email inquiries receive an automated response with no way to reach a representative. 

I am requesting access to my remaining funds or clear instructions on how the balance will be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: MI

Complaint narrative:
I was charged {$45.00} by XXXX  for a monthly service that I canceled before the billing date. 

I contacted Bank of America and disputed the charge. The dispute was denied because Bank of America stated the claim was submitted outside the 60-day notification period and that cancellation documentation was not available. 

After the denial, I contacted XXXX directly. Their support agent confirmed that they performed a deep search and could not locate any account, record, or charge associated with me. As a result, the merchant could not substantiate the transaction or issue a refund. 

I am requesting further review because the merchant has stated they can not validate the charge.

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 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WAFD BANK
State: NM

Complaint narrative:
In XX/XX/year>, I was trying to send a wire transfer to fund a new online business that I had started. The " Back Office '' of WaFd Bank-Ruidoso branch refused to send the wire based on the fact that the recipient 's address was in a residential area. Apparently having a side business in your home is a concept foreign to that department. I felt that this was an arbitrary decision on their part and had no merit. 

Just previous to he refusal of my wire transfer, I had deposited my tax refund check at WaFd. The Back Office, because of the problem with my wire that they refused to send, subsequently declared that the check was fraudulent, that I had 'washed ' the check, that I was a fraud, and froze my account. I had to bring the cover letter for my tax refund and a copy of my tax return to the bank before someone would believe that the check was genuine. However, it was too late. The Back Office chose to send the check back to theXX/XX/XXXX. They then filed a complaint with XX/XX/XXXXthat I had misused my account. I have written toXX/XX/XXXX to refute the charges made by the bank. 

I have not done anything that is remotely fraudulent. I was trying to create a business to supplement my retirement income. However, the erroneous and misguided actions of the Back Office of WaFd-Ruidoso created a situation where I had my new online business shut down and was forced to forfeit the balance of my account of {$10000.00}.

My complaint is that the WaFd Back Office jumped to conclusions and made inaccurate and false claims against me that were based on speculation and very little substance. They have caused me much stress and mental anguish not to mention the loss of access to moneys that were legitimately mine. Their actions cost me the money that I had gained in the short time that I operated my online business, as well as loss of access to the money that was in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: KS

Complaint narrative:
I submitted a revocation of automatic withdrawals on XX/XX/XXXX & again on XX/XX/XXXX after seeing a withdrawal on XX/XX/XXXX. I received an email acknowledging it was received on XX/XX/XXXX. A withdrawal was drawn from my account on XX/XX/XXXX. The company refused to refund the money they withdrew on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for a credit product issued by Synchrony Bank ( XXXX XXXX ). My application was denied. 

The adverse action notice I received states the reason as High risk source of application, but it does not identify the consumer reporting agency used, nor does it provide a telephone number for any consumer reporting agency. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ), if a consumer report or third-party consumer reporting agency was used in making an adverse credit decision, the creditor is required to disclose the name, address, and telephone number of that agency and state that the agency did not make the decision. 

The notice I received does not contain this required information. 

I am requesting confirmation of whether a consumer report or third-party consumer reporting agency was used in evaluating my application and, if so, a corrected and compliant adverse action notice that includes all required disclosures.

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 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I created a new PayPal account and received a deposit from my employer in the amount of {$620.00}. Immediately upon receipt, these funds were placed on hold without any prior warning or clear explanation.

I contacted PayPal customer support for clarification. During my initial call, I was informed of an alleged unresolved issue with a previous account, however, no details were provided. I was told that PayPal could hold my funds for up to 180 days. I requested an escalation and was instructed to submit an email requesting further review. I was advised that I would receive a response within five business days.

After five business days passed with no communication, I contacted PayPal again to request a status update. At that time, I was informed that my escalation request had been denied, that the restriction would remain in place, and that my funds would not be released until XXXX. When I requested a clear reason for this decision, I was told the deposit was classified as a business transaction processed through a personal account, which is allegedly not permitted. 

As a first-time PayPal user, I was unaware of this policy. I have previously received payroll deposits through standard personal bank accounts without issue. At no point was I provided any notice, warning, or opportunity to correct the account type prior to such a severe action being taken. The lack of transparency and the immediate application of such a harsh penalty is unreasonable and unfair. 

Throughout this process, PayPal customer service has been consistently unhelpful and unable to provide clear or consistent explanations. I do not feel my concerns have been taken seriously, nor do I feel I have been treated fairly as a customer. 

PayPal is currently withholding funds that do not belong to PayPal, causing significant financial inconvenience and disruption. 

Due to this experience, I will no longer be using PayPal and can not recommend this platform to others. I expect this complaint to be taken seriously and resolved promptly.

Company response to consumer: Closed with non-monetary relief