vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: OR

Complaint narrative:
I opened a XXXX account to send money to some relatives in 2025. I have used it twice since opening the account. First transfer was in XX/XX/year>, second transfer was in XX/XX/year>. I have not used the account since then, but never close the account since I figure it doesnt hurt to keep it there in case I need to use it in the future. However, I was traveling out of country from XX/XX/year> - XX/XX/year>. When I came back, I saw all these transfer transactions that were made when I was out of country. I contacted my bank as well as XXXX. XXXX created a claim for those fraud transactions but eventually denied it and advised me to work with XXXX directly. Ive emailed XXXX about those transfer transactions the moment I discovered it, and they advised me to contact my bank. Ive contacted both XXXX and XXXX. Remitly basically told me they wont do anything since the transfer are complete even though I explained that I did not make those transfer transactions and many people have copy of my passport when I was traveling overseas. People were making photo copies of my passport every time I check in any hotels. XXXX stated those transfer transactions were verified and completed, and I have explained it to them that it was not me verifying it. Those transfer transactions cost me {$7000.00} that I dont know what to do because its a large quantity that I need in my budget. They did not help me with my situation and just suspended my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Transform Credit Inc.
State: UT

Complaint narrative:
I am filing this complaint regarding my personal loan account originally issued by Transform Credit, now operating under the name Together Loans, which has been placed with a third-party collection agency. 

I have made repeated good-faith efforts to resolve this matter prior to further escalation. I have clearly communicated that I am willing to either ( XXXX ) make a reasonable lump-sum payment to settle the account or ( XXXX ) restart payments under a repayment arrangement. 

Despite my willingness to resolve the debt, I was informed that Together Loans will not consider a lump-sum settlement and intends to continue pursuing legal action against the co-signer regardless of my efforts to pay or resolve the account. I am concerned that I am being denied a meaningful opportunity to prevent escalation and protect the co-signer, even though I am actively seeking resolution. 

Additionally, the collection agency assigned to this account has been largely unresponsive to my calls and emails, making it difficult to reach an agreement before acceleration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: OR

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I experienced multiple issues with PayPal involving dispute handling, account access, and the reversal of credits that caused a negative balance. 

I have had my PayPal business account for several years with no prior issues, and I have always used it responsibly. These problems are new and began suddenly during this period. 

I sent XXXX payments to a friend totaling {$70.00} ( {$10.00} first to confirm receipt, then {$60.00} ). My account was not allowing me to use or withdraw my own funds, and PayPal repeatedly told me I needed to wait XXXX  days, even though more than a month had already passed and my account was still not functioning. Because I could not access my money, I asked my friend to cash out the funds and return them to me, but he had trouble doing so. I filed disputes for both transactions. 

PayPal requested specific evidence, and I submitted everything they asked for, including screenshots, message history, and transaction details. I also provided additional supporting evidence they did not request to ensure they had full context. Despite this, PayPal repeatedly changed the dispute completion date, issued a provisional credit, and then reversed it after the deadline passed. They denied the second dispute without explanation as well. 

When I challenged the decisions and asked for clarification, PayPal refused to provide any reason for the denials or the reversal of the provisional credit. Weeks later, they approved the {$60.00} dispute but denied the {$10.00} dispute. When the {$60.00} was released, PayPal immediately took the entire amount to cover the negative balance that they themselves created by reversing their earlier credits. 

Throughout this process, PayPal did not provide clear answers, did not explain the dispute denials, and did not address why my account was restricted or why I could not access my own money for an extended period. I made multiple attempts to resolve this directly with PayPal, but they refused to give consistent information or a valid explanation for their actions. 

I am requesting that the CFPB review XXXX handling of my disputes, the improper reversal of credits, the lack of required explanations, and the XXXX of my refunded funds to cover a negative balance caused by their own errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I am submitting this complaint regarding the servicing of my mortgage on a XXXX  XXXX deed-restricted affordable housing unit that is subject to a recorded deed rider requiring affordability preservation and includes a soft second mortgage held by an affordable housing entity. 

In XX/XX/XXXX, I applied to my mortgage servicer for a loan modification due to financial hardship. On or about XX/XX/XXXX, I received a denial of the loan modification. 

I submitted an appeal of the denial on XX/XX/XXXX. As of XX/XX/XXXX, the appeal is still pending, and I have not received a final written decision. 

During communications with the bank, I was informed that my total mortgage arrears are over {$15000.00}. On XX/XX/XXXX, I requested a formal written reinstatement quote so that I could understand the amount allegedly owed and how it was calculated. 

I am concerned that my mortgage has been reviewed and serviced as if it were a standard market-rate loan, without proper consideration of the additional loss-mitigation, coordination, and affordability requirements applicable to XXXX XXXX deed-restricted affordable housing units with a soft second mortgage. Specifically, I am concerned that : Affordability preservation requirements tied to the deed rider may not have been considered Proper coordination with the soft second lienholder and/or affordable housing monitoring agent may not have occurred Appropriate loss-mitigation options, including capitalization of arrears, may not have been fully evaluated I am submitting this complaint while my appeal is pending to ensure that all applicable servicing and affordable housing requirements are fully reviewed before foreclosure proceeds.

I respectfully request : A supervisory-level review of my loan modification application and appeal Written confirmation that all XXXX  XXXX, deed rider, and affordable housing obligations were properly considered A clear, itemized written reinstatement quote That foreclosure activity be paused while my appeal and this review are pending I am acting in good faith to resolve this matter and to preserve my home and its affordability. 

Thank you for your time, 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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
XX/XX/XXXX {$1500.00} unauthorized paypal credit XX/XX/XXXX {$1400.00} unauthorized paypal cred XX/XX/XXXX {$160.00} unauthorized paypal credit I submitted official legal court documentation of my incarceration dates XX/XX/XXXX to XX/XX/XXXX. Half the time I say they can't find a transactions and the other times they say that they're determination is that it is not an authorized because of the IP address. He had access to all my electronic devices. Well I was incarcerated I did not have access to any kinds of electronic devices meaning I had no access to my accounts. There are also 2 dates on there that say that the cases were closed in my favor. Those dates were XX/XX/XXXX and XX/XX/XXXX. Over the 10 year span I collected about a {$3000.00} and that is now gone. I should have never even gone to collections. My credit score was XXXX and now XXXX because of this unauthorized activity on my paypal credit account. They refuse to even look at the evidence. All of the email replies that i have almost seem to be auto generated like they arent even actual people replying to me emails.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to XXXX  regarding inaccurate and/or unverifiable information being reported for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  marked the dispute as resolved on XX/XX/XXXX ; however, no documentation or evidence was provided to demonstrate how the information was verified. 

I did not receive the results of the investigation in sufficient detail, nor was I provided with the method of verification as required under the Fair Credit Reporting Act. Despite my request for verification, the disputed information continues to be reported without explanation of the procedures used to confirm its accuracy. 

I believe XXXX  failed to conduct a reasonable reinvestigation and failed to comply with its obligations under FCRA 611 by not providing the method of verification or supporting information. I am requesting regulatory review and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Olympic Collection Inc.
State: OR

Complaint narrative:
I disputed a debt that Olympic Collections Service , Inc. was attempting to collect, including a written dispute identifying that the alleged date of service was incorrect. While the company provided a written response to my initial dispute, it did not provide a direct written response to my subsequent dispute regarding the incorrect date of service.

Instead, after my dispute, the company altered the alleged debt to reflect a different date of service and a different amount, and then continued collection activity by issuing a new written collection notice.

The revised alleged debt has never been properly validated to me in writing, and collection activity has continued despite the unresolved dispute. I am submitting this complaint regarding the companys continued collection activity and its failure to respond directly to my dispute before altering the material terms of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> I had went on XXXX looking for 2 tickets to a XXXX the XXXX XXXX  in XXXX, TN on XX/XX/XXXX,, XXXX. I contacted XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) and was told they were selling the 2 tickets of interest for {$70.00} dollars each. I requested to receive the tickets first before paying. They suggested if I deposited {$70.00} via Chime, then receive the two tickets and pay the rest. So I paid the first deposit on Chime to XXXX XXXXXXXX XXXX But they said that I have to pay a fee of {$50.00} for a name change on XXXX to transfer the tickets. They said I should pay it to XXXX XXXXXXXX. So I did so. Then they told me to pay {$150.00} to the company and it will get instantly refunded, so I did that. Mind you my debit card is linked to the Chime, not my bank details. So I did that. They told me to pay another {$150.00} to the account, but it didn't wire through. They then told me to pay XXXX ( XXXX ) XXXX and I did that, expecting to get refunded. They then started contacting me on the email XXXX I was told that I was supposed to pay {$300.00} together, so I suggested they refund my {$300.00} total and I can pay it together instead of two payments of {$150.00}. They said I should do that via XXXX and request a refund from XXXX. I tried to request the refund but it didn't work. Then they said to pay {$30.00}, but could not clarify the reason hoping to get refunded., to the same phone number. So I wasted money at the tune of {$270.00} on chime and {$150.00} + {$30.00} on XXXX XXXX with no tickets and no refund. I got scammed essentially.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Used XXXX XXXX  money sent on XX/XX/XXXX XXXX reciver claimed they never got the money opened an complaint was told 10 days found out they closed the complaint even though the money is still missing they Welks Fargo blames XXXX XXXX XXXX they blame Wells Fargo also on XX/XX/XXXX XXXX is also unable to be found.

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 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: MI

Complaint narrative:
My consolidated federal loan was started with XXXX in XXXX. I had XXXX interest and was on the SAVE plan. I was paying {$42.00} monthly auto-pay and the remaining loan monthly interest was subsidized under this plan. My loan was transferred to Edfinancial by the department of education on XX/XX/XXXX. At this time I was still on auto-pay and SAVE with a payment of {$42.00}. I had not missed any payments. XXXX transferred to my loan and reported an outstanding interest of almost {$1700.00} to Edfinancial with the transfer. During the transition period the loan services put my loan on forbearance to stop any issues with payment. I did not have a say in transitioning to Edfinancial from XXXX and did not miss any payments or have any interest on the loan as it all had been and was supposed to continue to be subsidized. Edfinancial added the interest to my loan, capitalized it, and now will not remove it. I have contacted them over 10 times and spent countless hours on the phone with them without resolution. I tried to have this resolved before interest started re-accruing XX/XX/XXXX as I had a large lump sum I wanted to put towards my principle to help with the starting interest. They took nearly {$2000.00} of my lumps payment towards the inaccurate interest and will not resolve the issue. I have contacted the State Ombudsman Group with no response ( filed XX/XX/XXXX, reached out XX/XX/XXXX and XX/XX/XXXX ). 

I now am getting charged on the wrong principle balance every day through Edfinancial causing my interest calculated to be wrong. I do not have payments due but want to pay on the loan to avoid this interest but would like the appropriate principle and interest before I start paying. I have been working on this for over 1.5 years now with no resolution and no one helping to fix this. I am currently in the process of discussing with a lawyer as I keep hitting walls and really just want to pay back what I owe and not an accounting and transfer error that is nearly {$2000.00} as I do not have the finances for this. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: COMMERCE BANK
State: MO

Complaint narrative:
I attempted to report a fraudulent debit card charge of approximately {$40.00} to Commerce Bank by phone. Instead of processing my dispute, the representative began interrogating me about recent transactions. I answered truthfully my last purchase was around {$10.00} and was told, Thats not good enough. I requested escalation to a supervisor, and the representative refused, stating Thats not how it works here. When I pressed the issue, I was disconnected. 

When I called back, I was informed that my account had been closed and I would not be allowed to speak with anyone further. No dispute was taken. No fraud report was filed. I was left with a negative balance caused by fraudulent activity that I was actively trying to dispute. I was never given a case number, provisional credit, or investigation confirmation. 

This is a direct violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ). I was denied my right to submit a fraud dispute, and Commerce Bank then retaliated by closing my account while the issue was unresolved.

Only after I physically went into a branch days later was the dispute finally filed but by then the legal violations had already occurred.

This conduct violates : Regulation E failure to accept notice of error ( 1005.11 ( b ) ) Regulation E failure to initiate a timely investigation ( 1005.11 ( c ) ) Improper use of account closure to obstruct federally protected rights Breach of good faith and fair dealing Possible UDAP violation ( unfair practices under CFPB authority ) I am requesting that the CFPB : 1. Investigate Commerce Banks handling of this incident 2. Ensure my negative balance is fully reversed 3. Require Commerce to formally acknowledge this procedural failure 4. Confirm that no negative reporting was sent to XXXX  or any credit bureaus 5. Place a compliance flag on Commerce Bank regarding Reg E procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have spoken to Bank of America in regards to my account issue. I was informed Tuesday the account would take 24-48 hrs to close. Theres no fraudulent activity. They have already spoke with me and I confirmed as well as the other party. The money in the account was my direct deposit. And as of now they proceeded to tell me that my account wont be closed til XX/XX/XXXX. This is unacceptable and illegal. And I was misinformed several times. I want my funds released as I already agreed yo closing the account. I myself have spoken with the other party. And none of this is making sense. And I cant view my funds either. Theyve denied complete access while with holding. Illegal practices. I have put in a request to withdraw. That was also denied. I have yet to receive any letters of correspondence on this.

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 monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi my name is XXXX I went to Citi bank XX/XX/XXXX of 2026 made a mobile deposit of XXXX I got a instant closer bank account and blocked login account so on XXXX I went into the branch to prove that the Check was real with my bank account number bank card state id and actual check I was discriminated treated unfairly. Staff members were rude, and mean worst bank experience i ever experienced in history they should got fried how I was treated and how they judge me and my account was closed still is closed for no reason and the check was not fake sat in branch for hours from XXXX XXXX  to XXXX XXXX  gave me run around and was treating me unfairly and rude by all the staff and branch was told me to leave their bank with out any explanation so I had to call the fraud department of you guys thinking it was fake and discriminating against me saying it fake and it took five times before the fraud department was actually able to reach the other party of this check to realize this check is real well. The fraud department hasnt noted and the calls should be recorded about what was going on, but the fraud department told me that they talked to the other party and it was able to get in touch with someone and finalize the check and to know that it was a real check and it was not fake. The fraud department told me 24 to 48 hours to call back and wants to check bounced back if it bounced back in the other party, supposed to be supposed to send out a check to me again and once I received that check and if Im able to, I guess open up a new bank account and catch it. They say they were re-reinstate my account and open my account. I just wan na know will my account be reinstated will it open back up and will I receive an apology for this because this is unacceptable that I have to wait an extra two weeks to receive this check again and I want to know what this be off my background because this is not acceptable to be on my end from a bank that I tried to deposit a fake check and the whole time the check was real and your fraud department took 5 times actually talk to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  group data breach settlement to find out this is a real check from settlement.

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