vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: PA

Complaint narrative:
Incident XXXX XX/XX/XXXX Discover placed a XXXX hold on a Pennsylvania unemployment deposit of {$520.00}, citing a " high likelihood of being returned unpaid. '' A state government unemployment payment is among the lowest-risk deposit types that exists. No issue was ever found. The funds were eventually released without explanation. Incident XXXX Current : Paycheck from XXXX XXXX XXXX and Heating, {$450.00} Discover has placed an extended hold of approximately XXXX week on my most recent paycheck. This is my second paycheck from this employer. Discover has already processed a paycheck from this same source, establishing it as a known, recurring deposit. There is no legitimate basis to flag a second paycheck from an established employer as suspicious. The hold justification was a laundry list of CYA everything from potential fraud, account balance concerns to damaged check but as mentioned above this is my second check from my employer Incident XXXX Current : Santander transfer, {$250.00} XXXX transferred {$250.00} from my XXXX savings account into my Discover account. To pay bills. Those funds have been present in my account for at least 3 days but I will be unable to access for another XXXX days. I requested the funds on XX/XX/year>. I would like a complete record of all holds placed on my account and the stated reason for each as they have done this to me multiple times. In total, Discover is currently holding {$700.00} of my money across XXXX simultaneous active holds, with bills due and no access to my funds. Combined with the XX/XX/XXXX incident, Discover has subjected {$1200.00} of my deposits to unexplained holds across three separate incidents involving three different deposit sources a government payment, an employer paycheck, and a bank transfer. The common denominator in every case is Discover, not the deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I originally had a HELOC with XXXX XXXX XXXX that was sold to Penny Mac and converted to a mortgage. The mortgage has been paid in full and closed at my request. The paid off mortgage is still listed on my credit report with a negative tinge. I just want the status to be changed to closed with a XXXX balance in a positive light.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I agreed to settle a debt on XX/XX/XXXX, with {$130.00} due at date of agreement and {$130.00} a month on the XXXX of every month. I was charged {$130.00} on the XXXX of XXXX, another {$130.00} on XXXX and another {$130.00} on XX/XX/XXXX. When I called to ask about the XXXX payment, they had no record of it. I called my bank and spoke with the card provider to which they confirmed all three withdrawals came from the same place. Midland Credit told me they can not look up confirmation numbers, have no email address for me to send them proof to, and that I had to mail or fax them proof and they would get back to me in 40 days. I could not wait 40 days to see if my card has been compromised on their secure website, and is being used to pay someone elses loan, since the amount did not show in my transaction history, so I had to cancel my card and dispute it with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
My household has an 18-year combined relationship with Chase, including the J.P. Morgan Reserve card . I am filing this complaint regarding the wrongful denial of Trip Interruption benefits ( Claim # XXXX/ Executive Case # XXXX ) for {$1000.00}. The Incident : On XX/XX/XXXX, our flight to XXXX was cancelled due to a severe national weather emergency. We were traveling with a XXXX and XXXX XXXX infant. Our destination hotel in XXXX had a strict " no-show '' forfeiture policy. Remaining in XXXX XXXX to wait for a XX/XX/XXXX flightwhich was not guaranteed due to the stormwould have resulted in the total forfeiture of our prepaid hotel stay, creating a significantly larger financial claim. Loss Mitigation & Safety Logic : I secured a {$1000.00} XXXX flight to get my family home safely. This decision was the only " reasonable and prudent '' action to take with two toddlers during a travel collapse. Furthermore, this decision actively minimized Chase 's total claim exposure by preventing a total trip cancellation claim and avoiding multiple days of peak holiday lodging and meal expenses in XXXX XXXX. Process Failure : Over 81 days, Chase and its administrator ( Assurant ) have processed this claim in a piecemeal and incremental fashion. They have approved small line items ( {$75.00}, {$300.00}, {$690.00} ) only after repeated escalationsa pattern that has unnecessarily delayed the final resolution of this file. Transparency Failure : I sent a formal request for a written final position to the Chase Executive Office on XX/XX/XXXX. The bank has failed to provide a written response, providing only vague voicemails despite my explicit written requests for a formal denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: Nelnet, Inc.
State: IL

Complaint narrative:
My student loans are being reported to the credit bureaus as 120+ delinquent even though I am under SAVE forbearance and the payments are not currently due. I applied for the SAVE repayment plan through the department of education in XXXX XXXX. Because of legal challenges to the plan, borrowers under the SAVE plan are in forbearance. My loans can not be delinquent because they are in forbearance. Nelnet has been reporting my student loans, which are oddly divided into 18 accounts, as past due. This means my credit report shows that I have 18 accounts that are 120+ days past due. My credit has tanked and is now in the XXXX 's. I have contacted them many times and they have not been able to help me and they only direct me to new payment plans. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Today my wife called about her debt and they immediately brought up my two accounts associated with my name only and told them all of the details about both accounts and tried to create a payment plan from her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Purchased sports cards through PayPal from the seller : XXXX XXXX. Sent in the amount {$5700.00}. I never received tracking nor goods agreed upon or a response from seller. I created a case because I paid goods and services, seeking resolution via PayPal due to buyer protection and PayPal declined the case. No reasoning, assuming its deemed for resale which 1, is not true, and 2, irrelevant as I was scammed and never received the good.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
" I am disputing a {$1100.00} collection originally from XXXX. This debt is invalid as the product ( an e-bike ) was never delivered. I have attempted to resolve this with Jefferson Capital, but they are using stall tacticsclaiming they ' can not identify my account ' despite reporting it to my credit bureaus. I have provided my name, address, and the last four of my SSN ( XXXX ). I request an immediate deletion of this trade line as there is no proof of delivery or valid contract for received goods. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NC

Complaint narrative:
A phone call was recieved at XXXX on Tuesday XX/XX/XXXX. The person on the other line was named XXXX. He was incredibly unprofessional, verbally abusive, rude, and made several comments towards me and my husband over the line. He was in attempt to collect over XXXX XXXX dollars over the line and we stated multiple times we did not feel comfortable giving card information over the line. He continued to state that we were running away from the phone call and it only took XXXX seconds to transfer money. After asking him to please stop being rude he stated he was not in customer service and didnt need to be polite. After serveral attempts of redirection, I had to hang up. He asked multiple times for transferring of XXXX XXXX dollars over the line. He stated that line was being recorded and I hope this can be reviewed and the individual on the other line never talks to someone like this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
Took a loan out from ascend loans on XX/XX/XXXX and funds were to be made available the next business day, only to discover nothing was ever received from financial institution and would like loan closed out and removed from report as soon as possible

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
All of my information that I've submitted so far is the same as the information that will be on my account. It was with one main financial and I'm more so just wanted to make this complaint to let you guys know that you're heading in the right direction because I recently saw that there was a lawsuit now against them. Not only did they not really disclose their fees and their interest rates which are absolutely astronomical I feel like, and they never slow up, they closed my account out on me after XXXX or XXXX missed payments, and then they falsely had a jury summons sent to my house to entrap me down at the courthouse with papers from One main financial to sue me, I still have the jury summons that isn't even a legit jury summons that they used to entrap me at the courthouse as well. They sold my debt off to a collector of some sort, but still continued to try to collect the debt from me themselves. They are extremely fraudulent, and the greed is through the roof. I hope whoever is leading the lawsuit against them Sues their pants off........ Because they are robbing people blind left and right. I just wanted to let somebody know that they are definitely fraudulent and I don't know what they're doing but they're not doing the right thing. I know that much. I open the account originally between XXXX and XXXX, and I got the false jury summons sent to my house for jury duty in XXXX or XXXX, I do still have it and I even took it to court XXXX time and the woman who runs the clerk 's office had no idea how it was even sent out to me, and told me it wasn't a legit jury summons either. So one main financial is also guilty of entrapment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I stayed at XXXX XXXX XXXX XXXX and experienced severe, documented failures that rendered the stay materially unfit for the price paid. The stay was so bad, I checked out early and stayed at a airport hotel. XX/XX/XXXX, I contacted XXXX and XXXX XXXX in writing to resolve my charges amicably. I never received a response. XX/XX/XXXX and again XX/XX/XXXX, I disputed the charge on my American Express XXXX card ( ending XXXX ) and provided extensive supporting evidence. Amex denied both disputes. I am filing this complaint against American Express for failing to uphold my chargeback rights under the Fair Credit Billing Act. What happened : During my stay, I experienced the following : Food quality was unacceptable Meals were consistently poor and did not reflect what was advertised or charged for at a premium all-inclusive resort. Restaurant reservations were inaccessible Despite the resort 's advertised dining options, reservations were effectively unavailable, denying me access to services included in my stay. HVAC failure My room had no functioning air conditioning in a tropical climate, making it uninhabitable. Excessive noise Persistent disruptive noise made rest impossible. Maintenance and safety hazards Physical conditions in the room posed safety concerns that were reported and not remedied. Management indifference Staff and management failed to address or resolve any of these issues despite repeated requests. These failures were so significant that I departed the resort early and relocated to an airport hotel at my own expense. What I submitted to Amex : I provided American Express with a formal written dispute letter detailing all XXXX grievances, supported by a separate evidence document that included corroborating third-party guest reviews independent accounts describing the same failures. This is not a subjective complaint ; the issues I experienced are well-documented across the resort 's public review history. Amex 's response : American Express denied my dispute without adequately weighing the evidence I submitted. The denial was not explained in meaningful detail. Under the Fair Credit Billing Act, I am entitled to a proper investigation and a chargeback when a merchant fails to deliver services as represented. Amex did not meet that standard here. What I am seeking : A full chargeback of the XXXX XXXX XXXX XXXX charge from XX/XX/XXXX. I am requesting that the CFPB require American Express to reopen and properly investigate this dispute in light of the documented evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I disputed a collection account on my credit report, and the results dated XX/XX/year> state the account was verified. However, no documentation was provided to support this claim. The furnisher appears to have relied on automated or electronic verification and failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act. I am requesting the following : - Original signed agreement or contract - Full payment and account history - Itemized breakdown of the alleged debt - Proof of legal authority to collect If this documentation can not be provided, the account must be deleted immediately for failure to properly verify.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
On XXXX I tried to do payment over the company Mortage app the Freedom Mortage I did double payments but I reversed them right a way. Then I did XXXX big payment of the amount of {$4000.00} I supported my transaction with : 1- transaction receipt from the bank 2- transaction history .after all of that they denied the payment and say it is returned from the Bank But now after they got that proof they want the stamens history which wont be available to the first week of XXXX. I spend around XXXX hours talking to Custmer service and another XXXX mins to talk to a supervisor. No luck. My account now is past due, late fee applied, interest a cured, and its negatively marked as late payment.

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 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report, and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I have attached copies of my ID, proof of address, & ssn card to avoid any inconsistencies. My only correct name is [ XXXX XXXX ]. My ONLY correct address is [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ]. Please update the information in my file to reflect ONLY my one, current and correct address and remove any and all other reporting addresses that are not exactly as I have submitted above. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA Sec. XXXX since they are not yet proven accurate. Please remove all alleged employers that are listed on my report. Please remove all phone numbers that are listed on my report. I do not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified even invalid alleged personal identifier information.

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 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX the year XXXX XXXX I took out an homeowner owners for {$5000.00} dollars then after the first year the same mortgage company added thier own homeowners insurance for {$14.00} dollars for my annual home owners insurance the company is Shellpoint mortgage and I just found out that they own the insurance company as well. Ive paid {$29.00} dollars more than if I took out my own insurance. I feel that this is predatory and wanted to know what my options are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/2025, around XXXX XXXX I walked into the Wells Fargo Branch on XXXX XXXX XXXX XXXX in XXXX, XXXX. Branch number XXXX. XXXX XXXX, operator ID XXXX, took care of my transaction. I told XXXX I have cash and would like to purchase a cashiers check. I handed the cash of {$6400.00} to teller XXXX for the cashiers check of {$6400.00} and the {$10.00} fee for the cashiers check. A few months later, my husband and I sat to review our bank statements and when we reviewed the XXXX statement we realized a deposit and withdrawal error. The teller XXXX deposited only {$1400.00} instead of the total {$6400.00}. A total of {$5000.00} was withdrawn from our account to go towards the cashiers check of {$6400.00}. The {$5000.00} of the cash that was handed to the teller is missing. When we noticed we went to the branch and told the teller XXXX no longer works at the bank and to submit a research request. We called and research request submitted, reference number : XXXX. We received a letter the claim was closed. We called back to dispute and told next steps were to file police report. We went to the XXXX police department and filed report. Per police report, spoke with Wells Fargo XXXX XXXX XXXX XXXX XXXX and she stated she did not have any record of security footage earlier than XX/XX/2025.

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 2026-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
My current mortgage payment is {$2100.00}. I understand that my property was recently reassessed and that my taxes increased by approximately {$2400.00} per year. However, my mortgage company never notified me of this change, no emails, no mailed notices, and no phone calls to communicate the adjustment or provide an updated monthly payment. Today, when I logged into my mortgage app, I discovered that beginning next month, my payment will increase from {$2100.00} to {$2700.00}, a difference of {$550.00}, with no prior warning or disclosure. This is a significant increase, and the lack of communication from the bank is unacceptable. I need clarification on why I was not informed and a review of how this change was handled.

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