vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 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: IN

Complaint narrative:
They Deactivated my account and are holding my funds that were paid to me for materials from a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I called this company in XXXX to remove my automatic deductions because my paycheck falls on days sometime before the due to or one or two days after the due date. When the automatic deduction occurs and the payment is returned, they charge a return fee. The individual I spoke with stated they removed the autopay. On XX/XX/XXXX it was automatically deducted again, and I called them and told them that I requested to be removed from the automatic payments and that fee needs to be removed. They removed the fee and I made the payment on XX/XX/XXXX. Today XX/XX/year>, I see another charge from the company when I already made the payment last week automatically being deducted. This company just stole {$200.00} dollars out of my savings account since I did not authorize that transaction, and I have asked them multiple times remove my automatic payments. They refuse to remove it and now stealing money out of my account when I have already made the payment for this month. XX/XX/XXXX transaction was authorized. XX/XX/XXXX transaction was not and done without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MI

Complaint narrative:
We have closed your XXXX XXXX account ending in XXXX with a remaining balance of {$0.00} on XX/XX/year>. If you have a remaining balance and would like to request a refund, please reach out to our customer service team at XXXX on hold now 50 minutes, there message said 35 minute wait, not able to discuss balance or if correct provide payment information. I did call several days ago and left message for return call which I never received. Since I closed the account I can not just sign in and pay the balance, which I would have done instead of wasting all this time for 26 cents., If I did have a balance due at time of closing why would not a message come up that indicated there is a balance due. XXXX is the worst customer service I could imagine, I would never use them again. They say when account closed in order to pay I could open up a new account just to pay XXXX, of course then i would want to close again. You and never talk to a person. My assumption is this terrible service is all linked to not have any employee payroll, at the expense of poor customer service and my guess a lot of complaints are never received since this is so difficult to communicate people likely just give up. Finally hung up!

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
XXXX keeps reporting The Receivable Management Services LLC which is paid in full. CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : The Receivable Management Services LLC Amount : {$0.00} I am disputing this claim due to : The debt was paid in full and please delete from my credit report. I have uploaded correspondence from RMS. This is my formal request to have the aforementioned item removed from credit report. Enclosed is additional evidence to support my claim. 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 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Creditly Corp.
State: MO

Complaint narrative:
Owed {$210.00} credit genie took out of my account {$310.00}. Will not respond to service tickets, no phone number to contact every thing is done through a chat bot!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 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: Block, Inc.
State: MS

Complaint narrative:
I am writing to formally report that I am a victim of a fraud scheme involving XXXX transactions and to request an immediate investigation into this matter. On XX/XX/XXXX, I received an email appearing to be from XXXX XXXX regarding a XXXX transaction that was allegedly processed into my account and needed to be returned. The communication included contact information for an individual I was instructed to reach out to. After attempting to verify this with XXXX XXXX and not receiving clear guidance, I contacted the number provided, believing it to be legitimate. XXXX. Not only did the impersonate as XXXX, they instructed me to send bitcoins, through cash app, XXXX, and pay for gift cards. I talked to the cash app support team and the only thing they offered at the time was to file a police report. I did file a police report about the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I am being charged interest on my purchases, when I paid my minimum payment due on time. I have made every transaction on time and still being charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Complaint Against Credit Karma Spend XXXX XXXX XXXX XXXX ) I am filing this complaint regarding unauthorized transactions and mishandling of my Credit Karma Spend account. On or about XX/XX/XXXX - XX/XX/XXXX XXXX my mobile phone went missing for a period of time. During that same timeframe, a series of unauthorized transactions occurred on my Credit Karma Spend account, totaling over {$7000.00}. These transactions were made back-to-back and were not authorized by me. As soon as I regained access to my phone and discovered the activity, I immediately reported the issue to Credit Karma and filed a dispute. It was extremely difficult to reach customer support. After finally submitting my dispute, I received a denial in approximately two days, which is an unreasonably short timeframe given the size and seriousness of the claim. Credit Karma did not provide any meaningful explanation, documentation, or evidence supporting their decision. Instead, my account was closed without prior notice, and I was only informed of the dispute denial via a push notification. I received no formal communication, no written determination, and no explanation of how the investigation was conducted. I formally requested all documentation, reasoning, and evidence used in their determination and submitted an appeal. I was repeatedly told that my case would be escalated and that I would receive follow-up communication via phone or email. Despite these assurances, I never received any response. During my most recent attempt to contact customer support, the representative was unprofessional, dismissive, and ultimately disconnected the call without resolving my issue. As a result of Credit Karmas failure to properly investigate and resolve this matter, I have suffered severe financial harm. I have lost over {$7000.00}, received no explanation or support, and my account was closed without notice. This situation has caused extreme financial hardship, and I am currently experiencing housing instability as a direct result.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I put in a transfer from my Bank of America checking account to my XXXX XXXX account in the amount of {$8000.00} as a contribution for XXXX. ( For clarity, a previous wire on XX/XX/XXXX for {$8000.00} from BoA to XXXX XXXX was for the XXXX contribution ). The funds sent XX/XX/XXXX never arrived. I opened a claim with BoA on XX/XX/XXXX when doing my taxes and realized the missing funds. Instead of correcting the routing error to the XXXX XXXX as a contribution for XXXX, BoA erroneously credited the {$8000.00} to my BoA checking account. I am formally rejecting this credit and attempt at resolution. First, this creates a tax liability as it looks like I took a distribution, which I did not. Second, it also does not credit the amount to the year XXXX, and would therefore not allow the maximum contribution I am allowed because of their error. Finally, because the money was missing from my account for one year, it did not gain the earnings it would have. According to the Actual Earnings during that time period, XXXX XXXX 23.35 % as the actual earnings. I asked BoA to reroute the funds to my XXXX XXXX and issue a LETTER OF INDEMNITY to XXXX confirming the original funds were delayed solely due to a BoA routing error, and that I should not be penalized. BoA refused, saying they credited me the money and there is nothing else they can do. They are not taking responsibility for a possible tax liability in putting the money into my BoA checking account, or for the lost earnings I would have gained, as well as the missed Federal deadline in being able to contribute the maximum amount to the XXXX in XXXX. I have screen shots of the money being routed from BoA to XXXX and no receipt of those funds at 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 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: SC

Complaint narrative:
I am filing a complaint against Synergetic Communication Inc. regarding a serious payment processing issue involving {$2200.00} that has been improperly handled and remains unresolved. On XX/XX/year>, after about a month of communication, I agreed to settle a {$3700.00} debt for {$2200.00}, with the understanding that upon successful payment, the account would be deleted from my credit report. I intended to complete this payment with a specific representative, but he was unavailable, and another agent processed the payment. During that call, I was asked multiple times for my card information and was told that the transactions were failing due to a supposed daily limit issue. Shortly after the call, I saw that the funds were removed from my available balance and listed as pending. I immediately contacted my bank, XXXX XXXX XXXX XXXX, and was informed that only two attempts were made, not three, and that the first transaction was successfully authorized while the second was declined. I was also clearly told that my daily limit was not an issue and that the pending charge is awaiting action from the merchant, Synergetic Communication Inc., to either complete or release the funds. I have contacted Synergetic Communication Inc. multiple times, including speaking directly with a manager and placing them on a three-way call with my bank. Even after my bank confirmed in real time that the transaction was authorized and pending on the merchants side, the company continued to claim that all attempts failed and that they have no record of any successful transaction. This directly contradicts the information provided by my financial institution and has left a significant amount of my money tied up with no resolution. This is not a small amount of money, and it is not something I can afford to have held up due to internal errors or miscommunication. The funds have already been authorized and removed from my available balance, and I expect immediate action. I am requesting that Synergetic Communication Inc. conduct an urgent investigation, either complete the authorized transaction or release the pending funds without delay, provide written confirmation of the final status, honor the agreed settlement amount of {$2200.00}, and follow through on the agreed deletion of this account from my credit report once payment is properly processed. I should not be required to attempt payment again while this issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> Synchrony Bank closed my account without notifying me about the closure or given me any warning. My last payment of {$200.00} went through and they are saying my account was closed because of too many payments not going through. I admit some payments didnt go through because of other payments being made the same day, but I made the payment after it didnt go through, so I gave records of me making payments even if the first time didnt go through.

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 2026-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
A collection account from Transworld Systems Inc. is being reported on my credit file. I disputed this account with the credit bureau and also contacted Transworld Systems directly to request validation and account information. Transworld Systems was unable to locate any record of this account in their system when contacted. Despite this, the account continues to be reported as verified on my credit report. If a furnisher can not locate or identify an account, it can not be verified. Continued reporting of an account that the furnisher can not validate is inaccurate and violates the Fair Credit Reporting Act. I am requesting that Transworld Systems : Provide documentation supporting the existence and accuracy of this account, or Immediately request deletion of this account from all credit reporting agencies The continued reporting of an unverifiable account is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LVNV Funding. I have paid this company and the company continues to report this debt. I CANT afford to continue to pay for a debt that I paid for 19 months XXXX on XXXX my monthly income is XXXX please remove this debt I cant afford to pay it. Its impossible. The next creditor is XXXX XXXX XXXX XXXX I am being harassed I cant move forward I paid when I couldnt afford it taken out of my XXXX check now that I am only receiving XXXX XXXX facing homelessness now I cant afford to pay my rent or bills. I dont know how this company LvNv funding is allowed to request payment and I never done any business with this company. Dont have a clue to who they are. I didnt sign any contracts with this company. Please remove this debt from my account and my credit report the company keeps reporting the debt and no matter how much I work on my credit its hurting my credit. I cant pay the debt and I cant get my credit right no matter what I paid to correct it. Please help me remove this debt o cant do it without your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: OH

Complaint narrative:
At XXXX my roommate received a text regarding my debt and was offered a 10 % discount. My roommate and I are partners NOT MARRIED and have lived together for about 8 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
NARRATIVE I am reporting identity theft.My name is XXXX XXXX and I am originally from XXXXXXXX I first came to the United States in XXXX XXXXXX/XX/year> and stayed for about three months before returning to XXXX. I came to the United States again in XXXX XXXXAfter opening a bank account during my recent stay, I checked my credit report and discovered that several credit card accounts had been opened using my name and Social Security Number without my knowledge or authorization.In the documents I reviewed, I saw accounts opened under the names XXXX XXXX and XXXX XXXX XXXXsing my Social Security Number. I did not open these accounts and I did not authorize anyone to open accounts in my name.After contacting the credit bureaus and submitting documentation, several fraudulent accounts were removed from my credit report. However, two accounts still remain : a XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX and a XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. I did not open or authorize either of these accounts.At this time, I do not have any credit cards or credit accounts that I personally opened. I have not applied for or authorized any credit cards or credit lines in my name. Any credit account that I am not aware of or did not personally open does not belong to me and may be the result of identity theft.I believe someone used my personal information and Social Security Number to fraudulently open these accounts. I am requesting that this incident be documented as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have contacted Newrez in an effort to remove PMI, or begin the process of doing so, trying to understand what is needed, as of early XXXX. A notice was sent to me XX/XX/year> acknowledging the request but no further documentation was done to follow up from Newrez. I have tried to get in touch with the proper department via their phone line, both from their contact us page ( XXXX ) XXXX and through customer service chat ( XXXX ) XXXX and each time I go through the process of putting in my last four of my social and pressing the proper numbers to get to the Taxes/ PMI department, the automated system goes back to the initial sequence of " Thank you for contacting Newrez, please enter the last four of your social '', leaving me with no way to contact the company.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
The information is incorrect the balance is incorrect the company is a third party. The payment history is wrong.i want this remove from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Letter received XX/XX/year> and it is not signed my DMV will not accept I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they keep saying it is being set or will be to my email. Account has been paid in full since XX/XX/year>.

Company response to consumer: Closed with explanation