vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I received a {$420.00} XXXX gift card. Shortly after, there was an unauthorized transaction of {$14.00} at XXXX on XX/XX/year>. I contacted the card issuer and filed a dispute. I completed and submitted the dispute packet and received confirmation that my dispute was received and forwarded to the dispute resolution team. After several months, the company informed me that the refund would be issued to me by check via XXXX. I waited approximately 45 months but never received the check. During this time my mailing address changed, and the company asked me to provide my updated address along with a utility bill as proof of address. I provided the requested documents and verified my current address. Despite this, I still have not received the refund. Each time XXXX contact customer service, they say the issue is being escalated and ask me to call back in 7 days. They also state that a check was sent via XXXX but can not provide a tracking number or any proof of shipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Citi XXXX card ( annual fee of {$490.00} ) expired in XX/XX/year>. No replacement card was sent to me. My understanding was that the card had been closed by Citi since no replacment card was sent. Since then, Citi has been charging me an annual fee of {$490.00} on this card. Since my account was on auto pay, I didnt even realize that money was being deducted. There has been no activity on this card since it expired in XX/XX/year>.

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 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: TX

Complaint narrative:
b'To Whom It May Concern,\n\n\n\nI am writing to formally complain about the excessive and harassing communication I have been receiving from your company regarding an alleged debt.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home 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: GA

Complaint narrative:
I am submitting this complaint regarding the handling of loss mitigation and servicing of my mortgage loan by XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/year>, I contacted the servicer to request assistance with a temporary financial hardship and to discuss options to address approximately {$5000.00} in arrears on my loan. During this conversation I specifically requested information about a payment deferral or other reasonable option to resolve the past-due balance. The representative informed me that : I was not eligible for payment deferral I was offered a repayment plan requiring payments of {$3700.00} per month for XXXX months I explained that this repayment plan is not financially feasible. I was advised that I may apply for a loan modification, but the current monthly payment of approximately {$2800.00} is already unsustainable. I am attempting to resolve this situation in good faith and have submitted a written request asking the servicer to review my loan for a reasonable restructuring that may include principal adjustment, arrears resolution, and a sustainable payment amount. My concern is that the servicer has not provided a reasonable path to resolve the arrears, despite my willingness to work cooperatively to maintain the loan. I am requesting regulatory review of the servicers handling of loss mitigation options and the calculation of the arrearage on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2026, I contacted the number on my Wisely account to check the balance. The last time I had checked the account if had a balance of {$390.00}, and on XX/XX/XXXXXXXX/25, now it had a balance of XXXX cents. That is impossible since I had not used the card and last checked it on XXXX/25. I place a sticker on the card following the balance inquire. I went thru the last XXXX transactions and seen that it was drained in XX/XX/XXXXXXXX XXXX, 2026. That is impossible, so I contacted Wisely to report fraud on my account. They provided me with a Dispute claim number, and said I should do what the email said, which I did, and to call them back in two business days, which I also did. At that time they wanted additional information, besides the Driver 's License and Marriage certificate I had already sent them. Now they wanted a copy of my social security card, which I also sent them. I was told to call and get an update which I did, on Friday, XX/XX/XXXX, and spoke to XXXX, who again seemed to give me the run around. I requested to speak to a supervisor, and was transferred to XXXX who he stated I would receive items in the mail by XXXX XXXX.2026. I requested to know how long their investigation would take and he stated anywhere from XXXX days. Depending on if they received the documents back that they requested. It seems to me that that is a long time. So there were several deposits made to the account between XX/XX/XXXX, and XXXX, XXXX, they were little deposits, and the total amount that was taken was XXXX. This is the information I received from Wisely staff and their online services. So withdrawals were ( 2 ), they said one was for {$3.00} on XX/XX/XXXX and it was followed by another for {$530.00}, also on XX/XX/XXXX all of which I want returned. I further requested a new card and was told I would have to call back in XXXX days. What is with XXXX days?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: ID

Complaint narrative:
On XX/XX/XXXX, I applied on XXXX for an IDR repayment plan. Afterwards, I called and spoke with ED-Financial at the hours of XXXX to XXXX where I confirmed my IDR had placed me into an administrative forbearance, as well as requesting 3 months of deferment. The representative who I spoke with ( over a recorded line ), informed me that my account was eligible for three months of deferment. After a few months, I decided to check XXXX to see the status of my student loans. I noticed my IDR had been completed, and that I had no past due balance. I was very confused on why XXXX wasn't updating. XXXX claimed that due to the OBBBA, accounts under IDR and SAVE are in an administrative backlog. Of course, mine were apart of that backlog. I tried to make a payment in XXXX, but found no way to complete the payment process online. I tried calling Ed-Financial when I was available after work in XXXX, but they were closed. The automated system claimed I was late on my payments. I called once again when they were open, where they informed me that my payments were 110 days late as of XX/XX/XXXX. That would mean that my first payment was due on XX/XX/XXXX. Assuming my accounts were in administrative forbearance for one month, that would be XX/XX/XXXX, plus 3 months of deferment. My first payment should've been due in XXXX of XXXX. When I brought this up with a representative at Ed-Financial on XX/XX/XXXX, they told me they had no record of my request for deferment. I asked them for all relevant recordings and calls log from that specific date, which they record and are required to retain. They declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
This complaint concerns unauthorized transactions on my Cash App account. Despite Cash App claiming the account is closed, transactions are still occurring. They are not providing assistance with this issue. they are saying nothing they can do and close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX around XXXX n the XXXX Person I know stole my phone n my tablet n got Into my cashapp n took {$2800.00} from my cashapp n took another {$31.00} n {$75.00} n borrowed money from my cashapp which was {$20.00} n {$55.00} n I filed a police report that day n sent all my police report to cashapp support n cashapp denied my dispute n I have evidence n proof that person I know stole my phone n my tablet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime allegedly said I performed illegal activities on my account with no proof being submitted in writing to me. I am a XXXX XXXX XXXX XXXX, I practice the law of the land.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
Received multiple messages a day and more than 7 times in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
In 2024 I purchased a phone from XXXX while traveling for business. I initially received a XXXXXXXX XXXX device but decided to exchange it within XXXX allowed return window. XXXX shipped replacement XXXX devices and provided a return box for the XXXX. I promptly returned the XXXXXXXX XXXX device according to XXXX instructions. Despite returning the device, XXXX continued charging monthly device payments for the XXXX. I contacted XXXX customer support multiple times to correct the billing error. During my most recent call, a XXXX representative confirmed that their system shows the device was returned but that the system failed to trigger the credit that should have removed the device payments. The representative attempted to apply a manual credit but stated the system denied the adjustment. Since XX/XX/year>, XXXX has charged me approximately {$27.00} per month for the returned device. I have made approximately XXXX payments totaling about {$550.00} for a device that XXXX confirmed was returned. XXXX subsequently sent a balance of {$610.00} to Transworld Systems Inc. ( TSI ) for collection related to the returned device. This debt is invalid because the device was returned to XXXX and the balance exists only due to a billing/system error on XXXX side. I have already filed a complaint with the FCC regarding this issue. Requested Resolution : Remove the {$610.00} balance related to the returned device Recall the account from collections Refund the device payments already charged for the returned Pixel device ( approximately {$27.00} per month since XX/XX/year> ) Confirm that no negative credit reporting will occur

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: NM

Complaint narrative:
I am writing to formally dispute the above-referenced account being reported or collected by LVNV Funding . This account was not opened, authorized, or used by me and is the result of identity theft. My identity was first compromised in XX/XX/year>, when an individual attempted to file unemployment benefits using my Social Security number. This incident was reported to the XXXX Police Department and documented under XXXX Report # XXXX on XX/XX/year>. Due to continued fraudulent activity involving my personal information, a new police report has been filed under XXXX Report # XXXX. The identity theft was also reported to the Federal Trade Commission through IdentityTheft.gov. The credit card account referenced above, in the approximate amount of {$690.00}, was fraudulently opened in my name without my authorization. I did not apply for, open, or benefit from this account in any way. Because my personal identifying information has been compromised and reported on since XXXX, individuals have used my information to open accounts without my knowledge. Enclosed with this letter are copies of my police reports and FTC Identity Theft Report documenting the theft of my identity. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / Section 605B ), once a creditor or debt collector receives a valid identity theft report, they are required to block the reporting of fraudulent information and cease collection activity related to that account. Therefore, I request that LVNV Funding : Immediately cease all collection activity related to this account. Delete this account from all credit bureau reporting ( XXXX, XXXX, and XXXX ). Provide written confirmation that the account has been permanently removed and that I have no responsibility for this debt. Because this account is the result of documented identity theft, it must not continue to be reported or collected. Please confirm in writing once this matter has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 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: U.S. BANCORP
State: FL

Complaint narrative:
Today I received a thick packet of terms and conditions card agreement Elan Financial Services for a World MasterCard Max Cash Preferred Card. Then in another letter a Max Cash Preferred MasterCard was delivered. I neither requested a MasterCard nor did I receive any solicitation regarding this. It just appeared out of the blue. I called the telephone number listed in the terms and conditions asked for a manager and they did not respond. Sorry the card has been shredded.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
LEGAL BASIS FOR CLAIM Based on the conduct to date, potential causes of action include but are not limited to : Breach of Contract Breach of the Implied Covenant of Good Faith and Fair Dealing Deceptive Business Practices under New York General Business Law 349 Failure to Provide Proper Adverse Action Explanation ( if applicable under FCRA/TILA standards ) Reputational and Business Harm Resulting from Arbitrary Financial Restriction American Expresss actions have caused quantifiable financial damage, reputational harm, unnecessary legal expense, and material inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was issued XXXX unemployment benefits during the XXXX pandemic, which were deposited on a Bank of America prepaid debit card. Between XX/XX/XXXX and XX/XX/XXXX, approximately {$14000.00} was withdrawn via ATM without my authorization. I never received the physical debit card and never set a PIN. Bank records show that an XXXX XXXX and XXXX XXXX XXXX issue was created on XX/XX/XXXX. Despite the account being flagged for identity concerns, withdrawals were allowed. I reported the unauthorized activity to Bank of America in XXXX. The bank repeatedly requested additional documents but failed to conduct a timely investigation or issue provisional credit as required under Regulation E ( 12 CFR 1005 ). An Administrative Law Judge later confirmed my eligibility for all EDD benefits during this period ( XX/XX/XXXX End of XXXX ), establishing legal ownership of the funds. However, Bank of America has denied reimbursement XXXX times without providing documentation or explanation of how the withdrawals were considered authorized. I am requesting : 1. Immediate reimbursement of {$14000.00} 2. Full documentation regarding card activation, PIN setup, and authentication methods 3. Complete investigation file from XXXX 4. Written explanation of denial citing evidence I believe Bank of America has failed to comply with federal regulations and request CFPB assistance in enforcing proper investigation and reimbursement. Claim number : 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 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marcadis Singer PA
State: FL

Complaint narrative:
Marcadis Singer, P.A. contacted me regarding an alleged consumer debt they say they are collecting on behalf of XXXX XXXX XXXX XXXX XXXX. I disputed this alleged debt in writing and requested verification and supporting documentation to confirm the debt and confirm their clients authority to collect. Marcadis Singer, P.A. sent an initial notice, and I responded with a written dispute letter dated XX/XX/year>. I sent my dispute by XXXX Certified Mail and it was delivered, and I am attaching my dispute letter along with the certified mail receipt and delivery confirmation. In my dispute letter, I clearly disputed the debt/balance and requested documentation including : ( XXXX ) proof that XXXX XXXX XXXX XXXX XXXX has the legal right to collect on the specific account at issue ( ownership/assignment documentation identifying the account ), ( XXXX ) chain-of-title/assignment documentation ( bill of sale/transfer documents identifying the account ) showing Security Credit Services has authority to collect, and ( XXXX ) a complete accounting/itemization supporting the amount being claimed. XXXX XXXX, XXXX. later sent a response dated XX/XX/year> with a packet of statements. While I received that packet, it did not include the key verification I requestedspecifically, it did not provide reliable documentation showing their clients ownership/authority to collect on the specific account ( including chain-of-title/assignment/bill of sale identifying the account ), and it did not provide a complete itemization/accounting explaining how the claimed balance was calculated. I am submitting this complaint because I timely disputed the alleged debt in writing, provided my dispute by certified mail, and I still have not been provided the proper verification and documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
On or around XXXX, a collection account for approximately {$570.00} appeared on my credit report from this company. I do not recall receiving proper written validation of this debt before it was reported. Because of this, I requested verification and documentation showing that the debt is accurate and that the company has the authority to collect it. Under 15 U.S.C. 1692g ( b ) of the FDCPA, when a debt is disputed and validation is requested, the collector must cease collection activity until the debt has been properly verified. As of today, I have not received sufficient documentation, such as a signed agreement, complete account history, or proof that the company has the legal right to collect this debt. Since the account has not been properly validated and may not be reporting accurate information, I am requesting that the collection activity stop and that the account be removed from my credit report until full verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Received multiple messages a day and more than 7 times in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
XXXX car loan, paid in full on XXXX XXXX. Banking institution, XXXX XXXX Bank and XXXX, is where my checking account is. On XXXX XXXX, unauthorized and fraudulent charge for {$340.00} was transferred from bank institution to XXXX. I called XXXX XXXX Bank and XXXX, Saturday XXXX XXXX and they said it had been authorized by me. Also, called XXXX in XXXX XXXX and questioned them. I was told they couldn't see the {$340.00}. Both XXXX and XXXX XXXX XXXX and trust blamed each other, but could not explain where my money was. I did not know people could access my account without my permission. Who is giving my money back? Who is taking responsibility for causing this unnecessary trauma???

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I do not owe this Physicians ER per my insurance for XXXX XXXX Member # XXXX Group # XXXX, Date of Service XX/XX/XXXX. EOB states XXXX owed my me. This XXXX need to be removed from my Credit Report and noted as XXXX. C Customer Advocates are here to help! XXXX LAIM DETAIL ( XXXX of XXXX ) PATIENT : XXXX XXXX PROVIDER : XXXX XXXX EMERGENCY CLAIM # : XXXX DATE PROCESSED : XX/XX/XXXX Amount Billed {$2300.00} Discounts and Reductions - {$2300.00} You may owe your health care provider for these services {$0.00}

Company response to consumer: Closed with non-monetary relief