vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am filing this complaint regarding a systemic failure by PayPal/XXXX to honor promised rewards across multiple transactions. I am reporting a pattern of deceptive practices where advertised cash back offers are used to induce purchases but are never actually paid out. Incident Details : Over the past XXXX months, I have made several purchases with various merchants specifically because the PayPal Rewards ( XXXX ) extension promised specific cash back incentives. Despite following all activation protocols, these rewards were either never tracked or have been withheld indefinitely. The Issue : 1. Failure to Credit : Multiple purchases from different companies have failed to result in the promised rewards being added to my account. 2. Removal of Pending Rewards : Most concerningly, several rewards that correctly appeared as " Pending '' in my account for the required duration were eventually removed entirely rather than being credited to my available balance. 3. Lack of Transparency : There has been no explanation for why these earned rewards were deleted or why the merchant verification is being bypassed. Actions Taken : I have reached out to support regarding these missing and deleted rewards. Despite providing proof of purchase for these transactions, I have received only generic, automated responses. The company has failed to provide a manual credit or a valid reason for the removal of my earned points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bison Bucks Lending
State: AZ

Complaint narrative:
XX/XX/year> I needed a loan and looking online I came across Bison Cash. I then saw the loan agreement which was sent way after and I called to cancel. So Supposedly I would not receive anything and it was cancelled. Well a couple days after I received the money and in the attempt to pay it off I wasn't able to. Monthly I was paying more than XXXX dollars for a {$1000.00} loan. I communicated with them now they want me to pay XXXX dollars a month to try to help me but the Interest rate is 750.15 % like what in the world. I need help this is so stressful and it's worse then when I started.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I opened a XXXX line of credit and received approximately {$2200.00} after fees on a {$2500.00} credit line. From that point forward, I made consistent bi-weekly payments and have never made a late payment. Over the life of the account, I made more than XXXX payments totaling over {$20000.00}. Despite these payments, I am currently being told that I still owe approximately {$4300.00}. During the course of the account, I was charged a 10 % fee on each cash advance as well as recurring statement balance fees every billing cycle. Due to the structure of the account, I frequently had to take additional advances after making payments in order to cover ongoing financial needs. Each of these advances resulted in additional fees. In XX/XX/XXXX, I contacted XXXX to dispute the account and requested a review based on the total amount paid compared to the amount received. The company acknowledged that I made consistent on-time payments and confirmed that I received approximately {$10000.00} in total advances over time. However, they denied my request for any refund or settlement and stated that the account is functioning as agreed. The company also stated that this is a high-cost form of credit not intended for long-term use, yet I remained in this account for several years while making consistent payments and was unable to meaningfully reduce the balance. I believe the structure of this account resulted in excessive fees and did not provide a reasonable path to repayment, as I have paid far more than the amount received and still carry a significant balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: FL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I am contesting the permanent limitation of my accounts ( Ref : XXXX ). PayPal alleges that I filed cases that 'do not align with the intent of the Purchase Protection Program . ' This is a factual error. As a consumer, I am entitled to use the protections promised by the PayPal Debit Card and the User Agreement. I am not a 'high-risk ' user ; I am a customer seeking the basic fraud and quality protections advertised by PayPal. I am requesting a manual review of these specific cases to prove their legitimacy and the restoration of my primary account. I am aware of the XX/XX/year> FTC oversight regarding financial institutions closing accounts without adequate human review, which is what I am sure is happening in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
I am a public service employee pursuing Public Service Loan Forgiveness ( PSLF ). While enrolled in the SAVE repayment plan, I was placed into administrative forbearance due to program changes and legal challenges. During this time, I was not clearly informed that these months would not count toward PSLF qualifying payments. As a result, I have lost progress toward loan forgiveness despite maintaining qualifying public service employment. Had I been properly informed, I would have switched into a qualifying repayment plan to continue making eligible payments. This lack of transparency has caused financial harm and disrupted my expected forgiveness timeline. This situation reflects a broader issue with communication to borrowers regarding SAVE-related forbearance and PSLF eligibility. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I got an email on XXXX XXXX that my account will be closed on XX/XX/year> and I need my account. I did not fraud or anything and I dont understand why my account is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have requested the following actions from credit collection services on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX A full and thorough investigation of this account Proper validation of the alleged debt Removal of this account from all credit reporting agencies if it can not be properly verified. Credit Collection Services is unable to provide sufficient documentation to support the validity of this debt, I request that this account be deleted from my credit reports immediately. This account is causing significant harm to my creditworthiness due to potentially inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I had just gotten paid on XXXX XXXX around XXXX. On XXXX XXXX at XXXX {$1100.00} was taken out of my cashapp account without my authorization or knowledge. My cashapp card is always locked. The money was placed in some kind of XXXX coin, something I know nothing about and dont wan na know. At XXXX XXXX the money was withdrawn from XXXX in the amount of {$1100.00}. At XXXX another {$1100.00} was added to XXXX and several pools were falsely created by me, with names thats suspicious. At XXXX XXXX {$1100.00} was withdrawn again. My debit card is linked to my cashapp account, while speaking with a chat support agent regarding this matter more money was trying to be taken out my account. I spoke with an agent on the phone as well as chat support and was told that XXXX is irreversible, cant be traced, nor refunded. I pleaded with them that I really need my money as I have a family and bills. They simple kept saying its nothing they could do. Its crazy that we trust these companies with our hard earned money, living paycheck to paycheck with this economy and they just let scammers scam loyal customers like me. Ive filed a police report and did everything Im supposed to do on my end. I only want whats owed to!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Guild Holdings Company
State: FL

Complaint narrative:
My house was damaged by Hurricane Ian and I have been trying to get it repaired since XXXX. The insurance company gave me {$7000.00} of a {$90000.00} check to repair the house and I had some work done but can't finish the work because they are now saying they are going to foreclose. I have requested an inspection on the work that was finished and they set up an inspection and I now have a contractor but Guild Mortgage is now threatening to take my home. The inspector did not come out in XXXX instead I received a letter from Guild Mortgage stating they were going to start foreclosure proceedings. It appears that the insurance division of Guild Mortgage is not speaking to Loss Mitigation and I tried calling them to speak to a supervisor but no one is helping and I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am filing this complaint regarding the improper handling of my mortgage payments by Freedom Mortgage. I have consistently made payments, often paying more than my regular monthly amount of approximately {$2900.00}. In many cases, I paid around {$3000.00} or more, which should have been sufficient to cover my monthly payment and any applicable late fees. However, my payment history shows that portions of my payments were repeatedly placed into unapplied funds ( UAF ) instead of being properly applied to my account. Because of this : - My payments were not fully applied when received - Funds were held in suspense ( UAF ) - My account appeared incomplete or delinquent - Late fees of {$91.00} were repeatedly assessed For example, my account showed {$540.00} in unapplied funds as of XX/XX/year>, yet late fees continued to be charged. This created a cycle where payments were received but not properly applied, which directly caused additional late fees. I am not disputing that some payments may have been received after the due date. However, I am disputing the way my payments were handled and whether this caused unnecessary and excessive late fe es. I am requesting : 1. A full audit of how each of my payments was applied 2. A detailed breakdown of all unapplied funds ( UAF ) activity 3. A review and correction of the {$820.00} in late fees 4. Removal of any late fees caused by misapplication of payments I believe my payments were not handled in a way that fairly reflects my intent to remain current on my mortgage. I am requesting a full review and correction of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This account is currently being disputed and debt validation was requested. It was received on XX/XX/XXXX. According to FCRA I had 30 days to dispute this validation in writing with my own evidence. It was placed on my report XX/XX/XXXX. I was not given the time required to dispute this account with and mail my evidence before it was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
They sent me documentation that this was charged off. I have attached their information. THIS IS CONSIDERED INCOME. INCOME CAN'T BE REPORTED AS DEBT ON A CREDIT REPORT. I DIDNT RECEIVE A 1099C.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I requested a copy ( XX/XX/year> ) of the recorded phone call from approximately XX/XX/year> during which I discussed a payment arrangement with a XXXX representative. During that call I verbally stated that I could not guarantee the payment would be made. When I called to request the recording, the XXXX representative confirmed the recording exists but stated it could only be reviewed by upper management and only provided maybe through a court subpoena and that there was no way to provide it to me. The amount of {$310.00} was automatically withdrawn from my bank account ( XXXX XXXX XXXX XXXX ) while I also do not have automatic payments setup with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Oliphant United, Inc.
State: GA

Complaint narrative:
Request to cease all communication except via XXXX Mail was returned to sender. No disputes have resulted in confirmation of debt, chain of custody, or how the debt was purchased, and ownership. Also, the original creditor is misrepresented. The original creditor is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. No records have been confirmed by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am submitting an urgent update regarding my complaint against Synchrony Bank. After my previous complaint, Synchrony Bank removed the late payments from my credit report, which indicates acknowledgment that the account was not being handled correctly. However, despite this, Synchrony Bank has now reopened the account again and has issued a new card to me without my request or authorization. I did not request a new card, and I have not consented to this account being reopened or used in any capacity. This is now an ongoing issue involving unauthorized account activity. This situation is extremely concerning, as it shows that despite prior disputes and corrections, Synchrony Bank continues to take actions on this account without my consent.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
The bank is PNC Bank and XXXX XXXX XXXX. PNC bank is the institution reporting to XXXX XXXX XXXX that I committed checking Account Fraud. Once I applied at another banking institution they tell me to contact XXXX XXXX XXXX and I ordered the full disclosure of my file that they had. Unfortunately, the file comes back as PNC reported the checking account fraud. Immediately I contact PNC Bank about this they had no clue of how this happened so I did the dispute with both companies and a rubuttal letter. And PNC bank reports again checking account fraud. PNC has no clue on who reported this claim so now I go in branch they states 3 month later I have balance a balance I paid it off. Neither company can account for whats going on. The investigation that PNC conducted shows no fraud but someone is still reporting it from there PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX I filed CFPB complaint # XXXX against XXXX ( issued by XXXX XXXX XXXX XXXX ) for violating the 25 % fee-harvester cap under 12 CFR 1026.52 ( a ) ( Regulation Z ). My initial credit limit was {$350.00}, so the maximum non-penalty fees allowed in the first year were {$87.00}. XXXX charged an {$85.00} Annual Fee ( posted XX/XX/XXXX ) plus multiple XXXX XXXX Monthly Paper Statement Fees. My attached billing statements ( XX/XX/XXXX through XX/XX/XXXX ) explicitly show these fees being assessed, bringing the total to at least {$89.00} {$1.00} over the federal cap. On XX/XX/XXXX XXXX responded to the CFPB and falsely stated : our records do not reflect that any such [ paper statement ] fees were assessed. This statement is demonstrably false, as the attached statements clearly list the {$2.00} paper statement fees. This is a clear violation of federal law. In addition, XXXX engaged in fee-harvesting : they charged high upfront fees, then provided only a minimal {$350.00} credit line ( leaving approximately {$260.00} available after the annual fee ), effectively denying me meaningful credit while keeping the fees. I previously requested a full waiver and refund of the {$85.00} annual fee and all paper statement fees. XXXX declined, citing only their Cardholder Agreement ( which can not override federal law ). I am requesting that the CFPB investigate this violation and XXXX false response to the prior complaint. To resolve this matter and hold XXXX accountable, I demand : A {$50.00} credit applied directly to my account ( reasonable given the regulatory violation and the inconvenience caused ). Full waiver/refund of the {$85.00} annual fee and all paper statement fees charged in the first year. Permanent deletion of all hard inquiries associated with this account. Written confirmation that the account has been brought into full compliance with 12 CFR 1026.52 ( a ). I will continue to pursue this matter through all available channels until XXXX is held accountable and the account is resolved in my favor. I am not going away until this is corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In XXXX of XXXX I took advantage of a XXXX no interest balance transfer offer. In XXXX of XXXX I noticed that the offer seemed to be expiring in XXXX instead of XXXX or XXXX. I called USAA on XX/XX/XXXX and spoke to their representative XXXX XXXX, XXXX ) who unequivocally stated that the offer would continue with no interest due until XX/XX/XXXX. Despite this promise by their representative, and despite less than 12 months having elapsed, USAA has started charging interest on the balance transfer balance.

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