vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
This is a follow-up complaint to my prior submission ( Complaint ID : XXXX ), which DCU closed stating the issue was resolved. It is not resolved, and the matter remains pending. On XX/XX/year>, DCU confirmed with the XXXX XXXX that my XXXX title was mailed to DCU on XX/XX/year>. Once DCU receives the title, I am required to complete lien placement paperwork to finalize the XXXX and close this matter. However, nearly a month has passed since DCU acknowledged the title was mailed to them, and I still have not received the lien placement paperwork or clear instructions on next steps. This outstanding step is essential to resolve my case because it is required for DCU to ( XXXX ) adjust the XXXX loan interest rate back from the default rate and ( XXXX ) reimburse/credit the interest that was charged at the default rate while this documentation issue was pending. I am requesting that DCU provide the lien placement paperwork immediately ( or confirm in writing that it has been sent, with the date sent and method ), confirm whether the title has been received, and provide a firm timeline for the rate adjustment and reimbursement.

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding Resurgent Capital Services, which is collecting on behalf of XXXX XXXX. To date, I have not received a full payment history, a charge-off statement, documentation showing the chain of ownership, or an itemized breakdown of the balance as requested on XX/XX/year>. After this request, I was provided with the same agreement document that does not contain my signature. After following up, the same document was sent again without any of the additional documentation requested. The transfer of this account between multiple companies, combined with the lack of complete documentation, has created ongoing confusion regarding ownership. I have also received communication referencing potential legal action, despite the fact that the debt has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT RESOLVE GROUP LLC
State: NE

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, TX, and representatives XXXX XXXX and XXXX XXXX. I have been subjected to repeated and excessive phone calls, including multiple calls per day, which I consider harassing. In addition to contacting me directly, the company has repeatedly contacted my spouse and has also contacted my mother-in-law regarding this alleged debt. They have left multiple voicemails for both parties. During communications, the representative has used intimidation tactics, including referencing my past personal history, specifically a prior gambling-related issue, in an attempt to pressure or shame me regarding the alleged debt. This is inappropriate, distressing, and unrelated to any legitimate debt collection activity. The repeated contact with third parties, including my spouse and family member, as well as the frequency and tone of communication, has caused significant stress and disruption to my household. I believe these actions constitute harassment and unlawful third-party communication under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this company immediately cease all communication with me and any third parties and that this matter be investigated. Their phone number where they can be reached is XXXX ext XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc.
State: PA

Complaint narrative:
CFPB XXXX COMPLAINT : F.H. CANN & ASSOCIATES ( ADMINISTRATIVE RECORD ) Case Reference : XXXX Collector Name : XXXX. XXXX XXXX XXXX XXXX XXXX. Reference # : XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX. Account XXXX : XXXX I. CONSUMER IDENTIFICATION & STATUS Complainant : XXXX XXXX XXXX : XXXX | XXXX : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Primary Phone : XXXX XXXX. FORMAL DEMAND FOR DEBT WAIVER & {$0.00} CREDIT I am filing this formal motion for F.H. Cann & Associates to immediately waive the alleged balance of {$760.00} and credit the account to a {$0.00} balance. This balance is a manufactured debt created through XXXX XXXX administrative misconduct and investigative failure. XXXX. ITEMIZATION OF FRAUDULENT DEBT ( {$760.00} ) F.H. Cann & Associates is attempting to collect a balance composed of the following : Phase XXXX ( {$420.00} ) : Fraudulent charges wrongfully denied despite XXXX ( XXXX ) internal bank admissions of card compromise ( Ref : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). Phase XXXX ( {$130.00} ) : A XXXX dispute credit that was issued on XXXX and reversed without cause on XXXX. Phase XXXX ( {$190.00} ) : Unauthorized XXXX XXXX fraud that posted on XXXX to an already-compromised account. IV. XXXX XXXX XXXX XXXX XXXX XXXX Bank has engaged in bad-faith practices by : Record Falsification : Marking claim # XXXX as " Withdrawn by Customer '' when no such request was made. Logical Error : Denying claim # XXXX as both " Authorized '' and " Not Posted. '' Illegal Transfer : Outsourcing this disputed and documented fraud to F.H. Cann & Associates while active CFPB XXXX # XXXX remains unresolved. V. MANDATORY RELIEF & PENALTIES To resolve this complaint and prevent further legal action, F.H. Cann & Associates must : XXXX XXXX : Provide written confirmation that the balance is credited to {$0.00}. Full Waiver : Formally waive all liability for this fraudulent debt. Interest & Fees : XXXX Bank must refund all XXXX ( XXXX ) {$15.00} XXXX fees and apply 6 % PA Statutory Interest ( PA XXXX P.S. XXXX ) to the withheld funds. XXXX Protocol : I am assessing a {$10.00} per day loss-of-use fee against both entities until my XXXX XXXX account relationship is restored and the debt is waived. XXXX XXXX : XXXX a written guarantee that no negative reporting will be sent to XXXX or any credit bureau. I demand an immediate update and a final, written decision. I am no longer accepting " researching '' as an answer while this fraudulent collection effort persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Monday XX/XX/XXXX of this year an on-line purchase for {$380.00} was made without my knowledge at XXXXXXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXX. I filed XXXX disputes with Chime where my account was breached, the XXXX dispute was accompanied with a police report. I filed the first dispute on XX/XX/XXXX, which was not in my favor, the second one on the XXXX the same. The dispute I filed on the XXXX of XXXX I attached a police report and around the XXXX of XXXX they concluded it was a legitimate purchase. I have never shopped at XXXXXXXX XXXX XXXX before. Can you please straighten this error?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a savings account account with Synchrony Bank and deposited {$120000.00}. I received a phone call that they were unable to verify my address and therefore froze my account. On XX/XX/XXXX I emailed a copy of my drivers license, a car insurance bill showing my address, my XXXX XXXX XXXX, and a copy of my vehicle title to the email address they provided. I called a week later and confirmed theyd received the documents and they were still being reviewed, however there is no direct line to the group that reviews the documents and the customer service agents Ive dealt with are unable to do anything except put in an inquiry as to what the hold up is. On XX/XX/year> business days after I submitted my documents they added a note to my account that they are still reviewing my documents and my account is still frozen. I opened the account on XX/XX/XXXX, for a month now they have had my XXXX XXXX and will not allow me to access it or tell me what the issue is. My last call to them was today where I was told another request for an update would be submitted and I can call back in XXXX business days and ask what their response is.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: LA

Complaint narrative:
Starting trying to improve my credit and pay off debt in the fall. In XXXX I noticed I had something in collections from XXXX. It seems to be categorized as a personal loan. The loan seems to be taken out in XX/XX/XXXX. I NEVER applied for a personal or any other loan in XXXX. The last ( and only ) personal loan Ive ever applied for was for XXXX XXXX in XXXX of XXXX. That same loan was paid off by XXXX XXXX. The only other loans under my name that Ive applied for are my car loan and mortgage loan. Ive tried to dispute the loan through XXXX XXXX and I received a letter a month ago that I did not understand. It seemed like they were asking for proof that I did not apply for the loan. Im unsure how Im supposed to provide proof for something that I never applied for in the first place. I unfortunately can not find that letter now. Since then, Ive had XXXX debt XXXX call me in an attempt to close out past due accounts that do not exist. The most recent today regarding some XXXX debt dating back to XXXX for my daughter who was on XXXX at the time. I saw the red flags and said they could email the info and Id contact my lawyer. They then asked my employerI denied them the information. I also never received an email from this debt collection company. I immediately froze my accounts on all XXXX credit bureaus and am now thinking I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
This complaint is about Federal Student Aid / the U.S. Department of Edcuation and the handling of my XXXX Buyback request. I selected MOHELA in this form only because those were the available options, but the issue I am reporting is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX buyback review process, not ordinary loan servicing by MOHELA. I submittied a XXXX Buyback request to Federal Student Aid/ the U.S Department of Education nearly XXXX months ago. I later received written confirmation that my request is in process under case number XXXX, but was also told there is no status mechanism available and that neither the Federal Student Aid contact center nor my servicer can provide a status update. This leaves me with no meaningful way to monitor or resolve a significantly delayed forgiveness-related request. The response I received referenced a XXXX review timeframe, but my request has been pending far longer than that.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) regarding the withholding of my personal funds after closure of my account. My Cash App account was closed, and I was instructed by Cash App support to withdraw my remaining balance of {$590.00}. On XX/XX/XXXX, I contacted support and was told an appeal had been submitted to temporarily unlock the account so I could withdraw my funds while keeping the account closed. On XX/XX/XXXX, I attempted to withdraw my funds as instructed, but my account either became restricted again or the withdrawal attempts failed. I have contacted support multiple times and have been told the issue is due to an automated system and that I must wait for review. Despite following all instructions provided, including attempting withdrawals using different debit cards, multiple bank accounts, and previously linked payment methods, I have not been able to access my funds. At this point, my funds remain unavailable with no clear resolution or timeline provided. I am requesting immediate access to my remaining balance of {$590.00} and a manual review and override of the automated restriction preventing withdrawal of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: NV

Complaint narrative:
I am filing a complaint against XXXX regarding restricted access to my funds. On XX/XX/year>, I received a deposit of approximately {$1200.00} from a verified class action settlement. Prior to this, on XX/XX/year>, I contacted XXXX support to confirm that my account was in good standing and that I would be able to access my funds without issue. I was explicitly told there were no problems with my account. Immediately after the deposit was received, my account functionality was severely restricted. I am unable to : - Transfer funds to my bank- Send money to others - Add or update a bank account or debit card- XXXX my XXXX debit card details XXXX has not provided any clear explanation for these restrictions and continues to give generic security reasons responses. I have been told I must wait XXXX business days just for a review, while my money remains inaccessible. This is causing immediate financial harm, as I am unable to pay essential bills due to XXXX holding my funds without justification or transparency. I am requesting : XXXX. XXXX release of my funds XXXX. A clear explanation for the restriction XXXX. Compensation for any financial damages caused by this delay This situation reflects a pattern of behavior reported by many users and raises serious concerns about unfair fund holding practices. I expect prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint regarding a missing XXXX transfer from my PayPal account. On XX/XX/year>, I transferred {$1200.00} USD from PayPal to my bank account ( XXXX ). However, the bank account was already closed at the time of the transfer. According to my bank ( XXXX ), the transaction was rejected and returned to PayPal with XXXX return code XXXX ( account closed ). I have contacted my bank multiple times, and they have clearly confirmed that the funds were returned to PayPal. I also have official documentation proving that the funds were sent back. Despite this, PayPal continues to state that the funds have not been returned and that they can not locate the money. I have contacted PayPal several times via chat and phone, and a manual trace has been initiated ( case number XXXX ). However, no resolution has been provided. I requested detailed trace and reconciliation information from PayPal, including confirmation of receipt of the returned funds, but they failed to provide meaningful or accurate information. This is not a bank issue. The funds were already returned to PayPal, but PayPal has failed to properly reconcile or credit the returned funds back to my account. I am requesting that PayPal conduct a full internal investigation, locate the returned XXXX funds, and immediately credit the amount of {$1200.00} back to my PayPal balance. I am attaching supporting documentation from my bank confirming that the funds were returned. This situation has caused significant concern, and I request prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In early XXXX, my credit card account with Capital One was placed into a restricted status, and I have been unable to use the card since then. Despite the restriction, the account continues to accrue interest and fees, and the balance is still being reported to the credit bureaus, which is harming my credit profile. Due to my laid off situation, I'm trying to mitigate payments and effects to my credit. XX/XX/year>, I have called Capital One multiple times to ask for hardship assistance or any kind of forbearance, reduced payment plan, or alternative arrangement so that I can avoid further damage to my credit while I work through a financial hardship. Each time, representatives told me that there are no options available for my account and did not provide any concrete information on how I could stop ongoing charges, set up a modified payment plan, or resolve the restriction on my account. I clearly explained that my income has dropped and that I am struggling to make the minimum payments, and I asked to be connected with any hardship, lossmitigation, or internal program that might lower my payment or interest rate. I also asked what specific steps I could take to prevent further fees and negative credit reporting. The company simply repeated that they had no options and did not offer any meaningful assistance beyond telling me to keep paying, even though my account is already restricted. As a result, I am stuck with a restricted credit card / closed account that is still charging me interest and impacting my credit, without any path offered by the company to cure the issue, restructure the debt, or obtain temporary relief related to my financial hardship. This feels inconsistent with the CFPBs guidance that credit card companies should work with consumers who reach out early when they can not afford their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants Acceptance Corp
State: NM

Complaint narrative:
I have been making an attempt to pay this debt with Merchant Acceptance since XX/XX/XXXX for a product I was forced into buying in XX/XX/XXXX by a sales man who refused to leave my house. My efforts to pay this debt to the correct company led me to XXXX XXXX ; a collection company that did not answer any of my phone calls and had no way of checking their voicemails. How was I supposed to pay if no one ever heard my voicemails asking for a call back? I never received a single piece of mail from XXXX Net regarding my loan notifying me that it was them I had to pay back for the XXXX XXXX. Every call I made to Merchant Acceptance to discuss my loan, they told me to call XXXX XXXX and gave only the phone number to contact XXXX XXXX. Everytime I called XXXX XXXX, no one answered so I left a voicemail almost every time I called and I never heard back. This went on so long that I have called XXXX a total XXXX times between XX/XX/XXXX to XX/XX/XXXX to settle the debt and try and pay it off. With ABSOLUTELY NO calls back from XXXX, I called Merchant Acceptance at XXXX to request verification on multiple occasions that I was calling the right number regarding my debt. Not once in those many conversations did Merchant Acceptance tell me that XXXX XXXX had problems with their voicemails. When I asked Merchant Acceptance for another way of contact, I was told that they only had the phone number that they had already given me. I truly had no way to pay for this debt and I was really trying so I could fix my credit and move onto buying my XXXX house which has since been put on hold because of this specific incident. I signed a contract with ( the distributor ) XXXX XXXX, XXXX NWCS Dist. for a XXXX XXXX. XXXX pulled a loan through Merchant Acceptance. I sent a hardship letter to Merchant Acceptance before they sent my debt to XXXX XXXX. When I failed to pay Merchant Acceptance they sent my loan to XXXX XXXX and never notified me of it. I was blissfully unaware that my debt was with ACAA Net until XX/XX/XXXX when I had reached out to Merchant Acceptance to pay the debt in full thats when I was notified that ACAA Net recieved my debt in XXXX of XXXX and I would have to pay them. Merchant Acceptance sent this debt to XXXX XXXX and never called, emailed or sent me mail stating my debt was with them and that I had to pay them. XXXX XXXX never returned any of my phone calls until it was to late and they had already sent my debt to XXXX XXXX XXXX in XXXX where I am waiting for the hearing to give my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA declined valid credit card transactions and falsely stated the expiration date and CVV were incorrect, despite my own visual verification. Representatives refused to authorize or override the charge. This prevented me from paying a service provider at my home and caused financial and reputational harm. This happened with XXXX different credit cards, XXXX card with XXXX XXXX XXXX in XXXX XXXX on XX/XX/year> ; and again on XX/XX/year> with XXXX XXXX XXXX. The electrician attempted both of my USAA cards several times and the decline was the same message, despite my visual verification that the information was correct, and the location of these transaction attempts was my home. I called USAA on both days to try to resolve the problem and on both days was told by multiple USAA representatives that there was nothing they could do except to recommend that I try another form of payment. One USAA rep suggested I do a cash advance to pay the vendor but when I asked if USAA would cover the cash advance fees, he declined.

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