vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
On XX/XX/2026, I received written confirmation from your company that my previously requested biweekly payment setup had been canceled. Despite this confirmed cancellation, on XX/XX/2026, a withdrawal in the amount of {$2000.00} was initiated from my bank account. This withdrawal attempt resulted in an overdraft situation and was returned due to insufficient funds. Subsequently, on XX/XX/2026, a retry of the same withdrawal amount ( {$2000.00} ) was processed and successfully debited from my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I used Affirm to finance a purchase from XXXXXXXX XXXX XXXXXXXX ( XXXX # XXXX ) totaling {$2100.00}, plus approximately {$200.00} for delivery. It was delivered on XX/XX/year>. The item arrived damaged and was reported to the merchant immediately. The merchant failed to complete the return process despite multiple indications that pickup had been scheduled through their shipping company. Instead, the merchant repeatedly changed their position and presented many inconsistent and unacceptable resolutions, including requiring deductions, waivers, and conditions such as posting positive reviews. They ultimately refused to accept the return and offered only partial store credit. As a result, I am being required to continue making payments through Affirm for a damaged and unusable item that I can not return and do not wish to keep. I have made multiple attempts to resolve this directly with both the merchant and Affirm. Affirm has continued to hold me responsible for the loan and has advised me to work with the merchant, despite the merchant refusing to provide a reasonable resolution. I have also received repeated payment notices while actively disputing the charge. I am disputing this debt because I should not be held financially responsible for defective merchandise that the merchant has refused to properly resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have an account with XXXX. I moved some money around to other accounts and they flagged it then froze my account without warning. I then uploaded all necessary documentation for my account to be unfroze and accessible again. They will not unfreeze my account and I have money sitting there that they wont let me access. I have bills that need paid in which now they are late because they wont release the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: PA

Complaint narrative:
Approx. XXXX XXXX, I canceled my phone service with XXXX, and paid the remaining phone bill and last month of service. I was told at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, that I would need to notify Customer Service to close my account. When I called them, they told me they could not find my record of the cancellation and I had to go back to the store and get my account number. I did that the next day, XXXX XXXX and the store service told me they could not given me that information because my account was already closed... So, I called XXXX and told them what happened and I requested to verify my phone and last month of service was paid and they said, not without the account number. Then I told them that I know my phone service with XXXX was closed and that I no longer have XXXX. After that, XXXX XXXX XXXX withdraw {$2500.00} a month, for about XXXX Months, until I caught on and XXXX withdrew XXXX XXXX XXXX {$77.00}, that I tried to duspute, but lost through the Bank ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX then XXXX put a Stop Payment on T-Mobile through my Bank and get another Debit Card XXXX a New Account Number. Then, in XXXX, XXXX, XXXX, XXXX sent me another Bill of {$140.00} and sent the debt to TrueAccord Debt Collections ( XXXX ) account No. then on XX/XX/XXXX, I called XXXX and told them to have XXXX send me any and all records of why they still thing I owed them the {$140.00} and they told me, XXXX would XXXX XXXX XXXX records of debt they think I owe them. XXXX has NOT kept accurate records of accounts closed and are still hounding me for a service that was cancelled in XXXX of XXXX. XXXX also refused to give me any records or documentation related to my account being closed and had me going back and forth to the XXXX store on XXXX XXXX, XXXX XXXX and refused XXXX XXXX whether they closed my account, and to verify that I was not using or had any open line [ XXXX ] or contract to continue phone service. I did NOT authorize any withdraws from my Bank, also ... after I paid my last month bill and paid the phone off I had, in Approx. XXXX of XXXX. I am XXXX and my only income is XXXX and XXXX and my Bank were XXXX aware of this. Buy allowing unauthorized withdraws from my Bank Account, both XXXX and the Bank violated XXXX Civil Rights under the Social Security XXXX XXXX XXXX XXXX garnishing my account under unathorized billing procedures. See, XXXX CFR XXXX ( m ) XXXX unauthorized account access. Sec. XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am filing a complaint regarding an invalid debt that has been improperly referred to collections. The {$370.00} debt originates from XXXX XXXX ( case XXXX ) and is being collected by Transworld Systems Inc. During a repair service, an XXXX XXXX present at my home explicitly confirmed that the issue with my washing machine was caused by an engineering/design defect in the rear panel. In order to make the unit function, the technician had to physically deform ( dent ) the rear panel to compensate for this defect. Despite this being a manufacturer defect, I was charged for the repair. I formally disputed this charge with XXXX. While the dispute was ongoing, XXXX made an unauthorized chage of {$370.00} to my credit card. I disputed the charge with my credit card company based on the above information, and they found the charges were invalid. Also while the dispute has been ongoing, XXXX referred this invalid charge to a third-party collection agency. This is improper because : * The charge arises from a confirmed manufacturing/design defect * The debt is actively disputed * The repair resulted in a permanently altered product condition * I should not be financially responsible for correcting a manufacturer defect This situation involves unfair and deceptive practices and improper collection activity on a disputed and invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide proper documentation showing that I am legally obligated to pay it. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. An itemized breakdown of the amount claimed, including principal, interest, fees, and any other charges 4. Copies of any contract, agreement, signature, or other documents showing I agreed to this debt 5. Proof that your company is legally authorized to collect this debt 6. Documentation showing the chain of assignment if this debt was sold or transferred 7. The date of the last payment made on this account 8. Proof that the debt is within the applicable statute of limitations Until you provide the requested validation, you must cease all collection activity, including phone calls, letters, credit reporting, and any legal threats regarding this matter. If this debt has already been reported to any credit bureau, please mark it as disputed. I also request that all future communication regarding this matter be made in writing only. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am requesting validation of an account associated with ONEMAIN, as I have concerns regarding whether this debt has been accurately reported and properly verified. After reviewing my records, I have not found sufficient documentation confirming the details of this account, including a signed agreement or complete payment history. I have not been provided with clear documentation explaining how the balance was calculated or confirming that I am legally responsible for this debt. This lack of transparency raises concerns about whether the account has been properly validated before being reported. Additionally, I am concerned that this account may be the result of inaccurate reporting, identity confusion, or a data breach, where my personal information may have been used without proper authorization. Under 15 U.S.C. 1692g ( b ), I am requesting validation of this debt. Under 15 U.S.C. 1681s-2 ( b ) and 1681e ( b ), any reported information must be accurate and properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
My Cash App account was closed, but I still have a remaining balance of {$530.00}. Cash App states I can withdraw my funds, however I no longer have access to my previously linked debit card or bank account. I contacted support multiple times requesting an alternative withdrawal method, but they repeatedly stated that no other options are available. This has left me unable to access my own funds. I am requesting that Cash App provide a reasonable method for me to withdraw my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MT

Complaint narrative:
I am requesting review and relief on my student loan account due to a lack of notification and servicing issues by MOHELA. Following the Supreme Court decision in XXXX v. XXXX, which blocked federal student loan forgiveness and led to the resumption of repayment, I was not properly notified that my payments had restarted. My loans also entered repayment after the COVID-era payment pause, and I was not properly notified that payments had resumed. Because my loans originated around 2020, I had not previously been required to make regular payments, and I relied on my servicer to provide clear communication about when repayment would begin. As a result of not receiving adequate notice, I was unaware that payments were due, and my account has now become over 90 days past due. This is my first delinquency, and it occurred solely due to a lack of communicationnot refusal to pay. This situation prevented me from enrolling in an income-driven repayment plan or taking action to remain in good standing before delinquency occurred.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: ID

Complaint narrative:
I am filing a complaint regarding the handling of my student loan XXXX claim and related account servicing by Sallie Mae. My loan XXXX request was submitted and placed into review on XX/XX/year>. My account was placed into forbearance while the claim was pending review by Sallie Maes claim administrator, XXXX XXXX XXXX XXXX. On XX/XX/year>, the XXXX claim was denied by the insurer. However, I did not receive timely or clear notice of the denial prior to or at the time my forbearance was removed. I only became aware of the denial after my loan status changed and I requested clarification on XX/XX/year>. In addition, I was not provided a clear or specific explanation of the reason for the denial of my XXXX claim. The communication did not include sufficient detail regarding the basis for the determination, and I was not given meaningful information about how the decision was reached. My concerns are as follows : Lack of timely and clear notification : I was not clearly or promptly informed that my XXXX claim had been denied before my forbearance was removed and repayment resumed. Insufficient explanation of denial decision : I did not receive a clear explanation of why my XXXX claim was denied, limiting my ability to understand or evaluate the determination. Servicing and communication issues during account transition : The transition from under review/forbearance status to active repayment was not communicated in a transparent or timely manner, resulting in confusion about the status of my account. Interest accrual during forbearance : While my account was in forbearance during the XXXX review process, interest continued to accrue at a high rate, significantly increasing my loan balance during a period when I was awaiting a XXXX determination and not receiving clear status updates. Lack of clarity regarding next steps : After the denial decision, I was not provided clear guidance regarding available options or what actions, if any, could be taken following the insurers determination. I am requesting a review of Sallie Maes servicing practices in relation to this account, specifically regarding communication standards, notification timing, transparency during XXXX claim review and resolution, and the application of interest during forbearance periods tied to XXXX claim processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
In XX/XX/XXXX, I purchased 8 pants and jacket sets from a company named XXXX. I was supposed to receive them in late XXXX. The tracking showed delivered, but I never got it. I responded to them by email stating I never received it and they said they would resend it. I was supposed to receive the second shipment in late XXXX, didn't receive that either. At this point, I want a refund. They said they would refund me in 5-15 business days. Weeks went by and I still haven't received anything. I contacted my bank, SoFi and tried to dispute the transaction. Within two days of me submitting the dispute, they denied it. Even after sending emails from the merchant where they stated they were processing a refund. SoFi has been extremely incompetent. I need my refund. The cost was for {$35.00}. It is now XX/XX/XXXX and I have nothing. I did some research and found out this company has scammed several people. I have attached a screenshot of those complaints as well along with other emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
This company calls themselves a " mediation '' company. When I called to get information, they threatened me and used abusive language to try and force me to pay a debt they claim I have from 10 years ago for a loan I never had

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America is refusing to refund me {$780.00} related to my XXXX dispute and is attempting to charge me {$46.00} for gas, even though I provided valid proof for both transactions. The bank has acknowledged receiving my documentation but admitted that the claims department employee did not read it before denying my dispute. Bank of America is now refusing to investigate further and has told me they can not help me, which violates multiple federal and state consumer protection laws. Bank of America still owes me {$780.00} from XXXX. I submitted clear, legitimate evidence showing XXXX charged my other card, not my Bank of America card and a screenshot from the XXXX app confirming the charge went to a different card. This documentation was faxed directly to Bank of Americas claims department. Bank of America admitted they received my fax, but the employee did not bother to read it. Despite this, they denied my dispute and told me the screenshot was not good enough proof. This violates Regulation E ( banks can not reject valid evidence or refuse to investigate ), EFTA, UDAAP, California UCL, and California CCFPL. XXXX is trying to charge me {$46.00} for gas I already paid for. I provided a receipt from the gas station showing I purchased the fuel on the day the car was returned to the same exact area the car was returned to, the exact date, time, and amount, which proved that the XXXX charge for gas was incorrect. Yet Bank of America told me the gas receipt was not good enough proof. Under Regulation XXXX, a bank can not demand unreasonable or impossible evidence, can not reject legitimate documentation, and can not refuse to investigate because they dislike the proof provided. Rejecting a gas receipt is a clear violation of federal law. Bank of America is refusing to investigate at all. After rejecting valid evidence and admitting their employee did not read my fax, Bank of America told me they can not help me, will not reopen the dispute, will not review the documentation, will not refund the {$780.00}, and still intend to reverse the charge of {$46.00}. This is a direct violation of Regulation E ( mandatory investigation requirements ), EFTA ( failure to correct errors ), UDAAP ( unfair and deceptive practices ), California UCL ( unlawful, unfair, and fraudulent conduct ), and California CCFPL. It also further violates their consent decree with the CFPB.

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have tried being reasonable with this company, but this is the third time they restrict my account with no explanation whatsoever just for the simple fact of trying to utilize my money. I called customer service and they purposefully hang up on me multiple times to avoid answering any questions and they restricted my account the next day after having it unrestricted I understand institutions take steps for safety and precautions but at a certain point it has to become ridiculous. Why do they offer services if theyre gon na restrict you from using your money once you try to utilize them they keep avoiding me and they keep trying to avoid giving me a timeframe and pretty much decided that they were gon na restrict my account indefinitely. They say is under a review, but I have done. Absolutely nothing other than try to pay bills and try to make a purchase with my account. Im looking up online and they have had this issue multiple times I even had to file a CFPB complaint with them in the past the same exact issue so there has to come a time and moment where these people need to start getting fined. I want CFPB to please fine them.

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a complaint regarding Truist Bank in XXXX, FL, related to a checking account that was opened in connection with a secured credit card application. I visited a local branch to open a secured credit card and was informed by the branch manager, ( XXXX XXXX ) that I was required to open a checking account and deposit {$50.00} to keep it active. I was not informed of any monthly maintenance fees or conditions that would result in charges to this account. I never received the secured credit card. Months later, I began receiving calls stating that my checking account was overdrawn. Upon contacting customer service, I learned that monthly fees had been charged to the account, which caused it to become overdrawn. These fees were never disclosed to me at the time the account was opened. Customer service acknowledged the situation, waived the accumulated fees, and informed me that my account would be closed. I was instructed to visit the branch to retrieve my original {$50.00} deposit. When I visited the branch, I was directed to the same employee who originally assisted me, who identified himself as the branch manager. He stated that the account should not have been closed, questioned the actions taken by customer service, and informed me that there was no way to return my {$50.00} deposit. He also suggested that I was at fault for not monitoring the account, despite the lack of disclosure regarding fees. After further discussion, he stated he would contact operations again and follow up with me. I have not received any follow-up or resolution. This situation involves a failure to clearly disclose account fees, inconsistent and conflicting information between bank representatives, and refusal to return funds after acknowledging the issue.

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