vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I financed a purchase through a deferred interest promotional plan with XXXX XXXX/Comenity . I missed the promotional payoff deadline by five days, and as a result was charged {$410.00} in retroactive deferred interest and a {$37.00} late fee. I contacted customer service immediately on XX/XX/year> at XXXX EST and then escalated to a supervisor. While they were sympathetic, they stated that the could not and have no ability to ever reverse these charges for any customer in any instance.

I was aware I needed to pay the amount in full in XXXX as the 12 months were up, and logged on to do so. This is when I saw 100 % in fees ( I owed {$430.00} and the new balance was {$880.00} ). I requested a one-time courtesy adjustment due to otherwise good standing on the account, and asking for a grace period since I missed this by 5 days due to be being very sick. They denied any request, citing that even an hour after the due date they will charge the full interest.

I am submitting this complaint to request a higher-level review of this charge. I feel this method of business is bad business practice, and is taking advantage of it's consumers. I have never seen a company not offer a 10 day grace period, or adjustments based on individual circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
FIFTH THIRD FRAUD. In XXXX of XXXX i paid off my entire past due balance for my car and my XXXX payment ( husband and I co-signed ), my last payment was to pay off the remaining fees on the account, it was {$570.00} on XX/XX/XXXX. for my XXXX statement only my usual {$430.00} was due. I paid this late on XX/XX/XXXX and the same day i made a call and got on there deferred payment arrangement. The woman knew i had just paid XXXX so i was technically current and I was told i did not have to pay XXXX or XXXX. I log in in XXXX to pay my next bill expecting my usual XXXX and see that they have reversed my XX/XX/XXXX payment on XX/XX/XXXX, from the fees i paid off, to the principal for some reason even though i had no bill due? I called at least 6 times and spoke to 8 or so different people/depts who all told me this was another department that handles this and would just trade me around intentionally. after talking to many different people and trying to have my money reversed back to how it originally was, the woman i was speaking with says my HUSBAND called on XX/XX/XXXX to request the reversal and reallocation of funds. This was when i knew this was 1000 % fraud, my husband has never called on his own, would never call, i handle all bill payments, he loathes dealing with that kind of stuff and certainly doesnt even know he wouldve been able to move money in the first place. he also confirmed he never called to me and to them on the phone. he never asked for that movement of money, it was just advantageous for fifth third to keep the fees on my account otherwise i would have been up to date. I tried to talk to the fraud department and they told me it wasnt really fraud. They still have done nothing to fix the issue and now i am getting calls and letter saying i am past due and the $ amount keeps growing even though i have been paying exactly my monthly payment every month. I should have only owed XXXX in XX/XX/XXXX and now this has snowballed into an additional {$500.00} in fees?! i can certainly provide any additional details as ive kept record of all interactions with the bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I tried to use the services of PayPal to make online transactions but was denied on multiple occaision. I used different amounts of {$50.00} or {$100.00} or {$500.00} to deposit into my account from my banking account. I used the same amounts from someone elses account to deposit into my account and was still denied the opportunity to deposit {$50.00}, {$100.00} and {$500.00} into my account. The same has occured for my XXXX  and XXXX  accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Ive been noticing that Bank of America is taking money out of my account and putting old transactions that I did changing the actual date ( that was already discounted out of my account ) in front of a deposit just to show me the reason of that deduction. 

Before was like amounts of {$300.00} and {$500.00} roughly that was disappearing out of my account but now it was around $ XXXX. Only XXXX knows how much more money Ive been losing for this company. They are really stealing money out of my account for no reason. I dont know what else I can do. Please I need help.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I attempted to transfer XXXX currency from an external exchange into my XXXX  wallet. I unfortunately did not include a memo tag for the transfer. After months of inaction by XXXX I am now being told that I must get an e-mail from the sending exchange. The sending exchange is not cooperative and will not send anything to XXXX I have however, provided XXXX  with all details of the transfer, time, date, exchange info, exact amount of transfer etc. 

Currently XXXX  has possession of the currency transfer but will not credit my account. They will not take the detailed information I have provided opting to insist that an email is all they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I sent money to an account on cash app that I have sent money to in the past and the account has been hacked and is now a fraudulent account. The transaction was made from my debit card from XXXX XXXX  to a fraudulent account on cash app. The transaction was on XX/XX/year> and the amount was {$980.00} dollars. There was two transactions on this day. The first transaction was to the fraudulent account and the second transaction was to another account that the recipient has access to. I acted immediately and called cash app on XX/XX/year> and filed a dispute and asked that the funds be stopped or refunded and they opened a claim. I called XXXX XXXX that same day and opened a dispute claim with them also. I called cash app on XX/XX/year> and asked about the status of my claim because they never emailed me and they said it was denied. I demanded that they send me proof of the denial before I got off the phone and they did. I am requesting that you investigate this matter due to the fact that I was under the impression I was paying a recipient that still had access to their account but that account is a fraudulent account and is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: MA

Complaint narrative:
On XX/XX/year>, I received an email from XXXX  telling me that my account was in violation of their user agreement. They requested that I upload a copy of my drivers license, which I did. 

Ive have emailed them several times requesting to be unrestricted because I have not violated their user agreement which I have read cover to cover. They have refused to un ban my account or provide any details as to why. They said it is in their soul discretion and despite several attempts, they will not provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: ID

Complaint narrative:
I began getting emails to my personal email account from Chime Financial as if I had been opening new accounts and cards with them. I haven't been. I got on the phone with a Chime representative and asked them to remove my name and email address from their records and they said they would perform an investigation but that I could not be privy to that information. Later, I got a new chime credit card in the mail with my name misspelled. I called Chime again and had a similar conversation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Over ten days ago, we were on cruise. As typical, the cruise line charged multiple hold transactions on our bank account. They then took the full amount in one processed transaction. All good. However, TD bank has refused to release the holds that total over {$1400.00}, beyond the ten day hold period. They re-aged the transactions that all occurred on three different days, to a date five days after the last one actually occurred. They only stopped when we contacted them to ask why. 
XXXX - We contacted TD via phone and were told the transactions were still on merchant hold. 
XXXX - We contacted TD via emails and told, the expiration date was XX/XX/XXXX. ( See attached ) XX/XX/XXXX - Charges are still there. 
XX/XX/XXXX - Charges are still there. Contacted TD by phone and were told it would be " escalated '' and provided a provisional credit. We were also told that one of the holds, that was over {$500.00}, would need a fax from the cruise to release?! * This was a lie, because this was the only transaction that did fall off of the account! 
XX/XX/XXXX - Charges are still there *. AND they added new charges! They duplicated three of the holds ( totaling {$810.00} ) eight days after they occurred and took double the money! NOW, we were told they needed a fax from the cruise line for all of the transactions, claiming it is " early ''. It is only " early '' because they changed dates of transactions! And they had no explanation why they duplicated the charges and they made no indication they could even fix it. I contacted the cruise line for giggles and they stated " we can not affect how your bank processes a hold ''.

What TD is doing looks nefarious, but it may just be incompetence and bad training. If they do this systematically, it adds up to a lot of money that impacts TD 's overnight loan rate. TD clearly has known issues, as every phone call or email with TD, gets a different answer. Based on our experiences, It is obvious TD 's employees have been told to keep their mouths shut when someone calls out wrongdoing or contradictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I have a problem with two different debt collection agencies. Mainly being portfolio recovery associates. I have asked them to stop calling and even blocked numbers that they call from. Every time they call me its from a different phone number that sometimes has the same last 4 digits as my phone number or very similar to it. They also call peoples phone numbers who are associated with me, my ex boyfriend that I had a protection order against receives multiple calls as well. They call every day sometimes multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/year> when I tried to make a purchase at XXXX XXXX restaurant. The Company is U.S. Bank in XXXX XXXX XXXX 

My personal checking account with U.S. Bank has been frozen for over a week due to a fraud investigation. I have no access to my funds and all of my bills are due. I am in financial hardship. I have contacted customer service and spoken with a supervisor, but no resolution or timeline has been provided. I am requesting immediate access to my funds or an expedited resolution.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
My mobile phone was stolen on XX/XX/year>. After the theft, an unknown person accessed my Cash App account without my authorization. Multiple unauthorized payments were sent to XXXX XXXXXXXX. 

I immediately reported the account takeover and unauthorized transactions to Cash App. I filed disputes for these transactions and explained that the activity occurred after my phone was stolen. 

Cash App denied my disputes and later denied my appeals, stating their decision was final. XXXX of the denied unauthorized payments include {$16.00} and {$700.00} sent to XXXX XXXXXXXX. 

Cash App has not provided any evidence showing that I authorized these transactions. They have not explained how their investigation determined the payments were legitimate despite the documented phone theft and account takeover. 

These transactions were not authorized by me. I did not send or approve these payments. This was a case of account takeover following a stolen device. 

I am requesting that Cash App reopen the investigation properly as an account takeover and unauthorized transfer case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
RE : Formal Dispute and Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced debt that I discovered on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request full validation of this debt. 
This is not a refusal to pay, but a formal notice that your claim is disputed. I request that you provide the following documentation to substantiate your claim : Original Proof of Debt : A copy of the original signed contract or agreement between me and the original creditor. 
Complete Payment History : A full itemized statement of the account, showing all payments made, interest charged, and fees added. 
Legal Right to Own/Collect : Proof that I.C. System has the legal right to own and/or collect this debt, including a " Chain of Assignment '' proving the debt was legally transferred from the original creditor to you without a break in the chain. 
Verification of Enforceability : Proof that the debt is currently within the Statute of Limitations for the state of XXXX XXXX 
Regulatory Compliance : Verification that your collection efforts comply with all applicable telecommunications laws and the Telephone Consumer Protection Act ( TCPA ). 
Please be advised that if you fail to provide this validation within XXXX days, you must cease all collection activity and remove any negative information you have reported to the credit bureaus ( XXXX XXXX XXXX XXXX ) regarding this account. 
I also request that you limit all future communication regarding this matter to written mail only. Do not contact me via telephone at my home or place of employment. 
Sincerely, XXXX XXXX XXXX

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
I reported an unauthorized debit card transaction totaling {$4900.00} to Axos Bank on XX/XX/year>. Axos confirmed receipt of my dispute, and the first business day of the investigation was XX/XX/year>. 

As of today, this is the XXXX business day of the investigation. Axos Bank has repeatedly confirmed that : The dispute is still in review There has been no merchant response No additional documentation has been requested from me No written notice of denial has been provided Despite this, Axos Bank has not issued provisional credit, and customer service has stated that provisional credit is not guaranteed, even though the investigation is still ongoing. 

Under Regulation E ( 12 CFR 1005.11 ( c ) ( 2 ) ), if a financial institution has not completed its investigation within 10 business days, it is required to provisionally credit the consumers account by the XXXX business day ( or within XXXX business days for certain new accounts ), provided no written denial has been issued. 

Axos Bank has also restricted and initiated closure of my account while this dispute is still open, preventing access to funds and creating additional financial harm, without providing a final determination or written explanation. 

At this point, Axos Bank appears to be out of compliance with Regulation XXXX, as the investigation remains open on the XXXX business day with : No provisional credit issued No written denial No explanation for the delay I am requesting that Axos Bank : XXXX. Immediately issue the required provisional credit of {$4900.00} XXXX. Provide written confirmation of the dispute status and investigation timeline XXXX. Explain why provisional credit was not issued within the Regulation E timeframe XXXX. Ensure I have access to any credited funds despite the account closure

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I was working with a Rocket Mortgage sales representative while exploring mortgage options from XXXX to XX/XX/year>. From the start, it was very pushy. He was calling me frequently before I even found a property. When I did, he repeatedly quoted me a monthly payment over the phone but never provided paperwork.

After multiple phone calls over two days pushing me to commit, I finally received a Loan Estimate ( had to ask many times ). There was nearly {$8000.00} in buy down points that were never disclosed to me nor ever agreed to, and I was pressured to move forward before I fully understood the costs. 

When I told him I was comparing other offers I received, he acted quite shocked and said, Oh, so youre not ready to move forward yet? This made me feel pressured and uncomfortable. 

Additionally, the salesperson continued to contact me persistently after I clearly stated I was no longer interested. 

I believe this conduct was misleading, lacked proper disclosure and transparency, and did not comply with mortgage lending regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Data Finance, LLC
State: AL

Complaint narrative:
PERSONIFY Account # : XXXX ( TransUnion ) Issue : Account transferred or sold, yet still reported as charge-off.

Violation ( s ) : FCRA 1681e ( b ) for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I lost my XXXX XXXX debit card on XX/XX/year>. I ordered a new XXXX on XX/XX/year> and a young woman with a XXXX accent was on the agent line instead of the automated system. I got the new XXXX XXXX debit card on XX/XX/year> and when I tried to activate it the same young woman was on the line and told me to send a email with a picture of my I.D . to XXXX or whatever, but it was fake and I can't get through to XXXX XXXX on the XXXX number or anything and I can't get the card activated yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>, SoFi alerted me that my account was restricted due to some " unusual activity. '' On XX/XX/year> at XXXX, SoFi informed me that the restriction was being lifted. However, at XXXX on XX/XX/year>, they sent another email that said that they " identified activity that suggests a violation of the SoFi Bank Deposit Account Agreement . '' When I called them to inquire about this, the customer service representative could not identify the reason for its closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: TX

Complaint narrative:
In XX/XX/year>, I sold a XXXX XXXX XXXX XXXX  through XXXX XXXX via an in-person private sale. The buyer paid me {$350.00} using XXXX, took possession of the item in person, and later confirmed that the device was functioning and being used. 

After the sale, the buyer contacted me stating that the device had less storage than he expected and requested a partial refund or a full refund. I responded promptly, apologized for the misunderstanding, and attempted to resolve the issue in good faith by discussing potential partial refund options. The buyer declined those options and instead initiated a chargeback through his bank. 

XXXX  reversed the full {$350.00} payment, placed my account into a negative balance, and has continued to seize unrelated incoming personal payments to cover this balance. XXXX advised me that I would hear back regarding the dispute, but I never received a final determination or meaningful follow-up. 

This transaction was not fraudulent, the item was delivered and accepted in person, and I did not refuse to engage with the buyer. My concern is with XXXX handling of the chargeback and the ongoing seizure of funds without a proper manual review or resolution.

Company response to consumer: Closed with non-monetary relief