vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am a seller who provides educational trading mentorship services through PayPal. A customer purchased a mentorship package from me for {$500.00}, which included five one-on-one mentoring sessions. After payment was received, I began providing the agreed-upon services. The customer completed three mentorship sessions and actively participated in the program. After receiving these services, the customer requested a partial refund. I explained that my mentorship services are non-refundable and offered to complete the remaining two sessions that were included in the package. The customer did not continue with the remaining sessions. The customer then filed a chargeback/dispute and PayPal reversed the entire {$500.00} payment. The dispute was not based on non-delivery of services. The customer received the mentorship services that were purchased and participated in multiple sessions. The issue appears to be dissatisfaction with the service or desired results rather than a failure to provide the services that were paid for. I requested information regarding the basis of the chargeback, the evidence submitted by the buyer, the reason my evidence of service delivery was not sufficient, and what appeal rights were available to me. I was not provided with a meaningful opportunity to challenge the decision or appeal the outcome. I have records demonstrating that services were provided, including communications with the customer and evidence that mentorship sessions took place. Despite this, the full payment was removed from my account. As a service provider, I lost both the compensation for my work and the time spent providing the mentorship. My complaint is regarding PayPals handling of this dispute and the lack of transparency in the decision-making process. I am requesting that PayPal review this matter, explain why evidence of completed services was insufficient, explain why I was not provided a meaningful appeal process, and clarify what seller protections exist for service-based businesses that provide educational and consulting services through the PayPal platform .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Other type of 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My mother have passed in XXXX and I had to take XXXX and then I applied for help a year later took them to court with legal aid still same thing over and over documents missing same reason why I got lawyer then they claim all you got to do md XXXX turn in documents same thing over and over then they change name to rocket mortgage same problem still just tired not fright and I believe because of my ethnicity and before my mother passing she did not like them as well

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: MI

Complaint narrative:
I am submitting this complaint regarding the reporting of delinquent federal student loan payments during the post-COVID federal repayment restart period. I graduated from XXXX school during the COVID-19 pandemic and currently work as a neonatal intensive care unit nurse. During the transition from the federal payment pause and SAVE plan implementation, I misunderstood when my loan payments were scheduled to resume. Due to the significant amount of changing guidance and repayment transition activity occurring during this period, I did not realize my account had become delinquent until XX/XX/year>. As soon as I discovered the delinquency, I immediately paid the approximately {$1800.00} past-due balance in full and brought the account current. I have remained current since that time and have otherwise maintained an excellent credit history with no other missed payments. I contacted EdFinancial directly to request review of the delinquency reporting and to inquire whether any repayment restart protections, administrative considerations, or reporting exceptions applied during this transition period. EdFinancial responded that the delinquency was reported after the federal on-ramp period had ended and declined to adjust the reporting. I understand the importance of accurate reporting, but I am requesting a formal review of whether the repayment restart communications and handling of my account during the SAVE/restart transition period were appropriate given the extraordinary circumstances surrounding the federal student loan repayment restart process and the substantial credit impact resulting from this isolated incident. I respectfully request review of the reporting and consideration of any available relief or correction options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX XX/XX/year> I contacted my mortgage company about paying insurance they had collected escrow funds for during past 12 months. The mortgage company explained they would they would only pay two of the three policies out of escrow even though they required them for the mortgage. They also based their escrow calculations on the total cost of the three policies. This forced me to pay over {$10000.00} to the insurance company directly at the last minute so my coverage would not lapse. At no time did the mortgage company inform me they would not pay the third insurance premium. The mortgage companies online portal even made it appear as they had already paid the premium. It was only after I received a warning of policy termination letter for the insurance company and I called the mortgage company to find out why my premium had not been paid out of escrow did they tell me they would not pay it. When the mortgage company purchased the loan they did not inform us they would not pay all insurance policies. They knew for the 11 months they held this loan how much insurance they would pay out of escrow but they continue to collect escrow for all items. They over charged me {$10000.00}. They have indicated that after a prolonged re evaluation of the funds in escrow I might get my over payment back. They blamed me for the miscalculation even though the closing documents clearly state the amounts to be held for insurance. My broker also informed them of all the insurance premiums. Their website showed the policy they would not pay clearly in the " to be paid by escrow '' tab.

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Robinhood Credit ( issued via XXXX XXXX XXXX ) for deceptive promotional reward practices and failure to honor explicitly stated credit card reward terms. On XX/XX/year>, I completed a high-value transaction with the merchant XXXX utilizing my Robinhood XXXX XXXX . Prior to making this purchase, I activated a promotional " Mystery Box '' reward offering a 10 % cash-back boost specifically for using XXXX XXXX as the checkout method. I have clear, physical receipt documentation proving that XXXX XXXX was indeed the payment method used for this transaction. However, Robinhood has refused to apply the 10 % boost. Support representatives first claimed the transaction didn't qualify because it wasn't processed via " XXXX XXXX '' ( a completely separate application from the required " XXXX XXXX '' ). Subsequently, a Support Manager ( Case ID : XXXX ) shifted the justification, claiming that a general 24-hour point multiplier active on my account automatically " took priority '' and suppressed the wallet-specific 10 % boost. Nowhere in the XXXX XXXX Card Cardholder Agreement or the Rewards Program Rules does it state that an active general point multiplier silently invalidates or overrides an independent, specific promotional reward box. XXXX is arbitrarily withholding a significantly higher promotional cash-back tier that I legally earned, citing undocumented internal system architecture limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: GA

Complaint narrative:
I created a Cash App account as a minor. The account has a balance stored in it that I am unable to access because the account has been restricted. I am now XXXX years old and a legal adult. I no longer have access to the email address that was linked to the account. When I contacted Cash App support they refused to provide an alternative way to verify my identity and recover my funds despite me being willing to provide a government issued ID. I am requesting that Cash App return my funds or provide a legitimate path to identity verification so I can access my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing this account as fraudulent. This debt is not mine, was not authorized by me, and is the result of a data breach. I do not acknowledge or assume any liability for this account. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to conduct a investigation. If you can not provide evidence validating this debt, I ask this gets deleted from my credit report. You have 30 days to delete this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have repeatedly complained about this company, XXXX XXXX XXXX XXXX due to their complete disregard for Connecticut statutes regarding collection and harassment techniques. They claim they are working for Chase Bank but send a copied letter that they must have a template for from the bank. I am sure that XXXX would be very interested to know about this use of their logo and this supposed agency XXXX XXXX XXXX XXXX is suggesting. I want all communications from XXXX XXXX XXXX XXXX to cease and desist immediately and for them to remove all of my personal information from all databases that they are storing it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XX/XX/2026, I visited the Mattress Firm location ( XXXX XXXX XXXX, XXXX XXXX XXXX ) and was assisted by a store representative named XXXX. During the interaction, I was under the impression that I was only placing a hold on a mattress/foundation purchase or checking whether I qualified for financing options. At no point did I clearly understand that a full credit account would be opened. The process was presented to me as simply accessing an application to see if I could get a loan, which I found misleading and deceptive. A credit account was opened without my clear understanding or informed consent. After realizing what had happened, I immediately contacted synchrony.com and closed the account. However, I remain concerned about the impact this may have on my credit report and credit score, including any hard inquiry associated with the application. I am requesting : A review of the sales practices used during this interaction. Assistance removing or disputing any hard inquiry related to this application if possible. Written confirmation that the account has been closed and carries a XXXX balance. Clarification regarding what disclosures were provided at the time of application. I believe the financing process was not clearly explained and that the situation was misleading.

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 2026-05-21 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX Dear CFPB : XXXX XXXX Unauthorized charges using my debit card ending in XXXX for {$150.00} to XXXX XXXX and {$79.00} to XXXX XXXX XXXX XXXX I reported both unauthorized transactions to TD Bank on XXXX. On XXXX TD Bank gave me provisional credit of {$79.00}, but not yet for the {$150.00} to XXXX XXXX. As a result, I was forced to shut down my TD Bank ATM Card to prevent further fraudulent charges to my TD Bank ATM Card ending in XXXX ; which deducts {$150.00} from my TD Bank checking account ending in XXXX. To make the financial loss even worse, I also had to pay TD Bank {$32.00} to get a new TD Bank ATM Card. Please help get a refund for the {$150.00} unauthorized charge to SP Underbasement and investigate and prosecute the fraudsters that did these unauthorized charges to my TD Bank ATM Card, as it has caused a great loss of my TIME, STRESS, along with the financial loss of {$150.00} and {$32.00}. Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
I am an unemployed veteran that to date, have been able to keep up with my mortgage payments. For the month of XXXX, I was given assistance from XXXX XXXX XXXX XXXX to pay my bills. On XX/XX/XXXX, the org sent a check for the full amount of my mortgage, and it was received and stamped on XX/XX/XXXX. However, the funds were never applied to my account. When I brought up the issue with customer service, they asked for a copy of the check, which I provided and was told to wait XXXX days for a response. I had to reach out again to inquire about the status, and then told that they needed proof that the funds were taken out of the organization 's account, which I was able to get XXXX to provide. After several days of waiting, I had to reach out again and then they said they needed the account statement for several days after the XXXX to prove that the check did not bounce. At the time of this writing, Planet Mortgage has not done any investigating on where the funds of that check have went and now for the first time in XXXX years, my account is XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2026-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AK

Complaint narrative:
Regarding Repeated Discrepancies Between Borrower-Directed Payment Allocations and Actual Posted Allocations To Whom It May Concern : I am submitting this complaint regarding repeated discrepancies between borrower-directed payment allocations and the actual posted allocation of payments involving my institutional student loans serviced through Heartland XXXX On multiple occasions, I manually entered exact payment allocation amounts among my loan accounts using the servicers online payment interface. Prior to submission, the system accepted and displayed the allocations exactly as entered. However, after processing, the posted allocations materially differed from the borrower-directed instructions shown and accepted by the payment interface. Most recently, I submitted a {$9900.00} ACH payment with the following explicit allocation instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After processing, the servicer instead applied the payment as follows : XXXX XXXX XXXX ( XXXX ) : {$4500.00} MCW Student Loan ( XXXX ) : {$5200.00} XXXX XXXX XXXX Loan ( XXXX ) : {$140.00} This redistribution materially altered the intended allocation strategy and diverted funds away from the higher-interest loans. Importantly, this is not an isolated occurrence. A substantially similar discrepancy has occurred previously. The repeated nature of these allocation mismatches raises concerns regarding the reliability and transparency of the payment allocation process and whether borrower-directed allocations entered through the online interface are actually being honored as represented. I preserved screenshots showing the allocation instructions as displayed and accepted by the payment interface prior to submission, along with account history reflecting the materially different posted allocation after processing. My primary concern is broader than the direct financial effect on my individual account. Many borrowers may reasonably rely on the online interface without independently auditing the final allocation after processing. If borrower-entered allocations are routinely overridden, ignored, or modified by backend servicing systems without clear disclosure, borrowers may unknowingly lose the ability to direct repayment strategy according to their own financial interests. This concern is particularly significant because : many borrowers may not understand amortization or interest optimization, many may not preserve documentation showing their submitted instructions, and even relatively small allocation discrepancies could compound materially over long repayment periods across large borrower populations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding PayPals handling of a dispute related to a returned damaged item. Despite providing clear documentation and complying with all requirements, my case continues to be improperly closed without a full resolution. I purchased an item totaling {$260.00}, which arrived damaged due to inadequate packaging by the seller. I promptly attempted to contact the merchant, but they did not respond until I escalated the matter by opening a dispute through PayPal. Only then did the seller provide a prepaid return shipping label. I returned the item using the sellers label, and it was successfully delivered back to the merchant on XX/XX/year> with XXXX tracking # XXXX. However, instead of issuing a full refund, the merchant arbitrarily refunded only {$120.00}, leaving an outstanding balance of {$140.00} still owed to me. Since then, I have made multiple attempts to resolve this issue through PayPal. Unfortunately, each time I contact them, my dispute is closed without proper review. I have received inconsistent and inaccurate explanations, including claims that the item was not damaged or that the refund has already been completed in full, both of which are incorrect. My PayPal dispute case number is XXXX XXXX I am requesting assistance in resolving this matter and ensuring that I receive the remaining refund of {$140.00} that is rightfully owed to me. I believe I have fulfilled all obligations required under PayPals buyer protection policies, and I am frustrated by the lack of proper investigation and resolution. Thank you for your time and assistance. I look forward to your help in bringing this matter to a fair conclusion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I would like to CFBP to investigate this cridt card company and XXXX XXXX XXXX connection.to protects the consumer .. that the store is not misleading for higher interest rate intentionally...

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