vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: CA

Complaint narrative:
This account is being collected by Jefferson Capital Systems LLC. I have been attempting to make payments through their online portal. However, the portal blocks me from proceeding and states : You can not move forward because payments are currently being processed for your account. Despite this system restriction preventing me from making additional payments, the account has been reported as late to the credit bureaus. I have also called their customer service line and was transferred between departments without being provided a clear resolution or accessible payment method. It is unfair and inaccurate to report an account as delinquent while simultaneously restricting the consumers ability to make payment. I am requesting : XXXX. Removal or correction of the late reporting XXXX. Investigation into the portal restriction XXXX. Written confirmation of accurate balance and payment status XXXX. Consideration of deletion of the tradeline due to improper reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint regarding ongoing monthly maintenance fees and unresolved restrictions placed on banking services associated with my Bank of America checking account. The account currently has an approximately {$36.00} negative balance caused entirely by accumulated monthly maintenance fees. There was no spending activity or purchases creating the negative balance beyond these recurring fees. I contacted Bank of America multiple times through customer service chat and phone calls, including speaking with supervisors, requesting either : * a hardship-related waiver or refund of the accumulated maintenance fees, or * assistance converting the account to a more suitable low-fee or savings account. Despite these repeated requests, Bank of America declined to provide meaningful assistance and informed me that the negative balance would first need to be paid before account changes could be made, while additional maintenance fees continued accumulating on the already negative balance. Additionally, XXXX services connected to the account became restricted. When attempting to use XXXX, the system displays errors preventing enrollment or use of the service. I contacted both Bank of America and XXXX support multiple times. XXXX support stated that the restriction issue must be handled through Bank of Americas fraud department and that XXXX itself could not resolve the issue. Bank of America, however, did not provide a clear explanation or resolution and instead referred responsibility to XXXX XXXX XXXX. As the banking relationship is with Bank of America, I believe the bank should work directly with its service providers and internal fraud review departments to properly investigate and resolve these issues rather than directing customers between separate entities without resolution. Despite substantial time spent contacting customer support and escalation attempts, the issues remain unresolved.

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 2026-05-19 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: MS

Complaint narrative:
I am disputing the denial of my loan modification application by Planet Home Lending. The stated reason for denial was that the modification does not meet the target payment. However, I believe the servicer used inaccurate income and/or expense calculations during the review process. I requested clarification and correction of the figures used, but I was told the decision was not appealable. I have not been provided with a complete breakdown of the calculations, including the income figures, expense figures, XXXX analysis, or investor guidelines relied upon. I am requesting : A complete accounting of the income and expense calculations used in the modification review. Copies of any loss mitigation evaluation worksheets or underwriting calculations. Identification of the specific investor guideline that prevented approval. A corrected review if inaccurate financial information was used. I believe the servicer may have improperly evaluated my loss mitigation application and failed to adequately investigate the disputed financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Used PayPal Inc to transfer and receive money, in exchange for goods. PayPal limited my account asking me to verify my ID, what I was transferring, where I got it, etc. I provided all required documentation, upon which point they restricted my account further with 0 indication why, and are withholding my funds for 120 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: SOP Pioneer Partners LP
State: LA

Complaint narrative:
I am an active-duty servicemember who requested an interest rate reduction and protections under the federal Servicemembers Civil Relief Act ( SCRA ) and applicable Louisiana servicemember lending protections for my personal installment loan with Pioneer Military Credit LLC . The company denied my request, stating that my loan does not qualify because it is a personal installment loan not connected to the purchase of goods or services, and because SCRA protections only apply to obligations incurred before military service. I am submitting this complaint because I believe my request may not have been fully or properly reviewed. I have previously received SCRA-related protections on other personal installment loans while serving, including protections applied under both federal and state military lending provisions. I would like clarification regarding how Pioneer determined my account was ineligible and whether the refinance or prior obligation was properly evaluated. Specifically, I am requesting : A detailed explanation of the eligibility determination, Verification that my military service dates and loan history were accurately reviewed, Clarification regarding whether refinancing affected eligibility, Review of whether any state military consumer protections apply, And review of whether the lender provides discretionary military hardship accommodations that may not have been considered. I am requesting that the CFPB review whether the lender properly evaluated my account and complied with applicable servicemember financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In approximately XX/XX/year> through XX/XX/year>, I made transactions through Wells Fargo related to an online sweepstakes platform known as XXXX. During gameplay on a game called XXXX XXXX, a malfunction occurred involving a spins feature that did not properly complete or function as expected. I immediately began attempting to resolve the issue directly with the merchant and later with the game provider. Throughout this process, the malfunction itself was acknowledged in communications with both the merchant and provider, but no meaningful resolution was ever reached. Between XX/XX/year> and XX/XX/year>, I opened multiple support tickets, participated in live chats, exchanged emails with customer support and VIP management, and submitted documentation regarding the unresolved malfunction issue. I also provided Wells Fargo with screenshots, support emails, ticket information, and records of my attempts to resolve the matter directly with the merchant. On or around XX/XX/year>, I initiated a dispute with Wells Fargo due to concerns regarding unresolved services/issues connected to the malfunction and the handling of the situation by the merchant. The case was later escalated to the Wells Fargo executive office for additional review. I was advised that my documentation and the handling of the investigation itself would be reviewed carefully. Although the case was escalated to the executive office for further review, I was ultimately informed that Wells Fargo could not assist further. I do not believe the investigation adequately considered the documented malfunction acknowledgments or the unresolved nature of the issue. My concern is not related to speculative gambling winnings, but rather whether the dispute investigation properly considered the documented malfunction acknowledgments, unresolved service concerns, and evidence I submitted during the investigation process. I am requesting a review of whether the dispute investigation and review process were properly handled and whether all submitted evidence and consumer protection obligations were adequately considered.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to Mid-South Adjustment , Co., Inc under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to Mid-South Adjustment , Co. , Inc, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: IA

Complaint narrative:
I have been writing to you because of all my information has been breached, medical, name social and everything else. The XXXX XXXX XXXX company took my payment and paid the collection agency you told to remove {$540.00} whom the sold it. Which is illegal Now this collect agency. I am fight XXXX from the military. I can get a credit score to get the thing I need to live. XX/XX/XXXX and XX/XX/XXXX has destroyed my way to live. I shouldn't have to keep asking for help. I will attract the information provided. I deserve to have a credit score. I don't have debt. It should not be punishment because I am responsible. Or because race. My score is on XX/XX/XXXX. I am running out of time. Please can you start sending out fine. To all of these companies not providing protection of our information. Please

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 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
I filed a dispute in XXXX. I believe the XXXX with my bank. I purchased a flight through XXXX XXXX using Klarna on XX/XX/XXXX. The flight dates were for XX/XX/XXXX - XXXX, I was on a trip for a military ceremony. Then returning flight was cancelled on the XXXX. I had to repurchase a flight and never received a refund for the cancelled flight. I contacted Klarna who told me to contact XXXX. I did so, they did not respond to me or kept putting me in a loop of unknown. I disputed it with my bank who just resolved it in my favor on the XXXX. I received a letter rim my bank and an email from Klarna stating it was resolved in my favor. Klarna said there was nothing left for me to do. I have saved proof of all of this. 2 days later they say I owe them the disputed amount of XXXX due to the fact they refunded me on the XXXX. Ive explained they never refunded me for this. Shared bank statements, screenshots and everything needed to show proof of this. I asked for them to provide proof of the refund with a reference number of transaction ID showing it successfully sent. They refused to do so that I am not allowed to have access to that, which I also saved. After many phone calls with my bank who also stated Klarna hasnt refunded me and should not be charging me for anything. Klarna still keeps trying to charge me and is not threatening to send me to collections. Ive never received a refund from Klarna. My bank never did. Even Klarna said they can see on my end that theres no refunds from them yet they are still demanding payments. I need help with this. I dont feel its fair to pay for something I dont owe and their customer Service is horrible. I also want to avoid collections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/scrub> 2025, a banker at Bank of America linked my savings account to my father 's savings account. She failed to disclose that my checking account would be unlinked to my savings. This banker 's negligence caused my accounts to no longer meet the minimum thresholds when they have been fine without any insufficient fund issues for the pastXX/XX/XXXX years. I went into the bank to further discuss this and the assistant manager admitted that there were no comments made in that transaction to indicate that the banker printed out the necessary information for us when she linked the accounts. The next problem is that once I escalated this problem to the customer service representative over the phone ( XXXX phone call ), they had guaranteed to me that they then linked my checking and savings accounts so I should not incur any more fees. This was apparently not what happened and I continued to get charged. Over the span of XX/XX/XXXX months as I have been dealing with this problem, I was charged {$25.00} each month.

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 2026-05-19 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: FL

Complaint narrative:
To Whom It May Concern, I am writing regarding the alleged account your company is reporting and/or attempting to collect on behalf of the original creditor, XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting full validation of this alleged debt. Please provide the following : A copy of the original signed agreement or contract bearing my signature. A complete payment history and itemization of the alleged balance. Documentation proving Jefferson Capital Systems has legal ownership of the account or authorization to collect it. A complete chain of assignment or transfer of ownership from the original creditor to your company. A copy of the bill of sale identifying my specific account. A signed bill of sale containing authorized signatures from the parties involved in the transfer. Verification that the balance being reported is accurate and legally collectible. Proof that the statute of limitations has not expired. The name and address of the original creditor. Until proper validation is provided, you must cease all collection activity and reporting of this account to any consumer reporting agencies pursuant to the FDCPA and Fair Credit Reporting Act ( FCRA ). If you are unable to provide the requested documentation, I request immediate deletion of this account from all credit reporting agencies. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Equifax is violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), by failing to block and remove fraudulent information resulting from identity theft. I have already filed an official FTC Identity Theft Report ( Report ID : [ INSERT FTC REPORT NUMBER HERE ] ) and provided it to the credit bureau, confirming that I did not authorize these accounts or inquiries. The following unauthorized collection account must be blocked and deleted immediately : LVNV FUNDING LLC ( {$1100.00}, Reported XX/XX/XXXX ) Furthermore, a massive string of unauthorized auto-financing and personal loan hard inquiries from XXXX, XXXX, and XXXX of XXXX were pulled without my permissible purpose or consent. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a report under specific authorized circumstances. Because these were fraudulent, no permissible purpose existed. Please delete the collection account and all hard inquiries for : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
On the date of XX/XX/year> I received a deposit into my CashApp account of {$130.00}. I proceeded to initiate a transfer into my bank account. This process takes 2 business days. I was expecting the money on XX/XX/year>. On the XXXX I received a notification saying it was declined. I contacted support and was told that I should check my card information. I informed them that my card information was correct as I had not recently changed it and it had not been renewed or changed. They informed me that this was all they could do to help at this point. I asked for a supervisor and they requested my email and then told me I would receive an email. No case number was provided at this time. The next day XX/XX/year> I still had not received any response so I contacted support again. They immediately escalated the case, gave me a case number and followed up with an email. During this exchange, they again blamed the card information. I checked yet again, and verified that the information on the app was correct, and, I checked with the bank, at no point since my most recent successful transactions with CashApp had there been any changes whatsoever with my account or my card. I informed them of this and they responded by saying that they had resolved my issue to the best of their abilities. They further informed me that though the system does say the card issue isn't problem, it doesn't always reflect the core cause. However, they still stated that the issue was my card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicer under contract with Federal Student Aid
State: OK

Complaint narrative:
Request for Investigation of Credit Report Entry FCRA Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Credit Information under the Fair Credit Reporting Act ( FCRA ) Report date : XX/XX/XXXX SSN : XXXX | DOB : XX/XX/XXXX To Whom It May Concern : I am writing to dispute the accuracy of information on my credit report. The following account appears to be inaccurate, fraud, outdated, and should be investigated and corrected or deleted pursuant to the FCRA : Creditor/Account Name : Department of Education Account Number : XXXX Reason for Dispute : outdated and inaccurate Details of inaccuracy : Account is from XX/XX/XXXX and the amount is not accurate at all. Requested action : Please conduct a reasonable reinvestigation, provide the name and address of the furnisher you contact, and either : Correct the reporting to reflect accurate information, or Delete the account if it can not be verified. Government-issued photo ID ( drivers license ) Proof of address ( utility bill/bank statement dated within 60 days ) Supporting records : [ statements, payment confirmations, creditor letters, police/FTC identity theft report, etc . ] Please complete your investigation within the timeframe allowed by the FCRA and send me written results, including an updated copy of my credit report. If you verify the information, please include the method of verification and the furnishers contact details. Thank you for your prompt attention. Sincerely, XXXX XXXX

Company response to consumer: Untimely response