vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
The funds from the third-party check, ( endorsed in the fashion they require in the BMO deposit handbook ), from my friends XXXX withdrawal. I gave him cash in the value of the check and deposited the check mobile into my checking account I have had with bmo for XXXX years, but have only maintained minimum activity with. The fund have completely cleared from the issuing institution into my account. Despite the funds being successfully transferred, BMO has frozen 100 % of my account, leaving me unable to buy food, gas, or pay emergency bills for XXXX XXXXays. These funds exchanged for cash is literally every cent I own. BMO is demanding a signed affidavit from the third-party affiant who endorsed the check to me. However, the affiant is currently traveling on a mandatory union railway work trip and is entirely incapable of visiting a physical branch or accessing an online notary. He supplied me with his Id before he left, I even offered to facetime him while with the branch XXXX, and they refused all of my attempts, regardless of the exigent circumstances. I even drafted and submitted an Indemnification agreement, legally binding me to paying back the money if my friend the original affiant ever declared fraud. BMO 's fraud department is refusing to provide an alternative verification path, a timeline, or an escalation route, and their phone agents have hung up on me mid-sentence when I requested a supervisor escalation regarding extreme financial hardship. Both my mother and sister have there account frozen as well, because my mothers and mine are technically a joint account, and my sisters and mother also share a joint account. However nothing whatsoever about this deposit was in knowledge of or including my mother in any way. I can not support myself without this money, and I have been told to wait every time I called for the Lead analyst review I dont know what else to do. I submitted the Indemnification contract signed and dated legally binding me to any debt if it ever arose regarding this deposit being declared fraud, only because I trust my friend would never do that to me. This analyst needs to review my case urgently, and no matter how many times I have called or walked into a branch, I have been turned away, and hung up on. Nobody has contacted me from BMO, I have made every effort I can, and received XXXX help or care. I begged for help, and was hung up on ; left to sit here in my house, with no means of getting gas to go to work, no means of getting food to eat, and the immense pressure of my own finances, as well as my mother and sisters, being withheld by a silent money government, BMO.

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 2026-05-27 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: TrueAccord Corp.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I have two issues now needing attention with regard to my federal student loans. Today, XX/XX/XXXX, I submitted an application on StudentAid.gov for an Income Driven Repayment Plan. I am eligible for, and would like to enroll in the Pay As You Earn Program ( PAYE ). However, this did not appear as an option for me. My loans originated and disbursed while I attended XXXX XXXX, during the years XXXX. I graduated in XX/XX/XXXX and ended up starting to repay my loans later that year, after a grace period expired. At this time, I should have been enrolled in an income driven repayment plan, however, without my consent I was placed into deferments and forbearances. I ended up being enrolled in a program called REPAYE. I learned after making several years of on-time payments in REPAYE that I could actually receive better repayment terms and earn loan forgiveness sooner if I switch to the SAVE plan. So I switched to the SAVE plan in XXXX, sacrificing several years of on-time payments under REPAYE, with the understanding that my monthly payments would be lower under SAVE, and loan forgiveness would now occur several years sooner than under my previous plan. Now, even though my loans actually date from XXXX, it seems that because of my XXXX consolidation, it is preventing me from choosing to enroll in PAYE. I also have not ever received an accurate " count '' of my on-time payments, as received to date. I have done my own calculation which shows 140 on-time payments. XXXX, my current loan servicer, only shows 66 on-time payments and they are missing several years of payment history from times my loan had been with another servicer. I am trying my best to enroll in PAYE and receive an accurate calculation of my on-time payments. Those are my two reasons for contacting you now. To the extent this needs to be resolved with the Department of Education/StudentAid.gov/XXXX , please take whatever steps are necessary for resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: OH

Complaint narrative:
I received a NETSPEND debit card in the mail on XX/XX/year>. I had not applied for a NETSPEND debit card, so I called customer service and was told by the automated system that the card had already been activated. I then spoke to a customer service agent who advised that I open a complaint with the Federal Trade Commission, and the FTC website sent me here to open a complaint. Oddly, the customer service representative acted like they were unable to close the account, which concerns me. In summary : Someone has used my identity to open and activate NETSPEND debit card

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 2026-05-27 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: Nelnet, Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/26 {$960.00} capital one the capital to resolve the debt by XXXX percent it is the wrong amount i been over charge XXXX dont owe this XXXX want this capital one company to cease & desist please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: NV

Complaint narrative:
I received a letter dated XX/XX/year> from a copy named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXlaiming I made a fraud claim but however the collection paper was sold to XXXX XXXX XXXX The issues are that I have never heard of these companies. The letter does not state what the fraud claim was, the company that made the original collection. These XXXX companies are trying to scam money from a senior citizen, but they are scamming the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: VT

Complaint narrative:
I have a complaint on file. The number is XXXX. I had a XXXX meeting yesterday on the foreclosure of my home. I have been wrongfully foreclosed on and want to save my home. XXXX XXXX XXXX XXXX And XXXX XXXX XXXXXXXX XXXX, have scammed me, They both are predators. I should not be losing my home. I did everything I was suppose to do. SPS rejected my payment on a modification. They consistently gave me misleading and confusing information. They both refused to work with me. SPS consistently lost certified mail, lost all other documents. They told me they were the mortgage company. When in fact it changed hands several times and went back with another predatory company XXXX XXXX XXXXXXXX XXXX The attorney for XXXX XXXX XXXX XXXX was Attorney XXXX. The judge suggested I talk to him after the hearing. I tried 10 times to call, line busy every time. I should not have lost my home, I want to have these 2 companies held accountable for all this. End result, give me my house after trying to do the right thing since atleast XXXX To present time. I hope you publish this and tell everyone. I will go to the local TV news media and expose them for the predators that they are. I'm a XXXX person and this has affected my health by causing a lot of stress, I can't function without taking XXXX XXXX XXXXXXXX medication. I'm very overwhelmed and need to know who to reach out to for legal help. I have no place to go. I could've paid the mortgage. SPS kept telling me they're a Lender and the mortgage provider. Then I'm told they are only the Server. They are a debt collector. SPS BOUGHT my mortgage from XXXXXXXX XXXX when they went belly up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am submitting a complaint regarding the handling of a disputed credit card charge by Capital One involving unsafe hotel accommodations booked through XXXX. The disputed charge was for a XX/XX/year> stay at La XXXX XXXX XXXX XXXX by XXXX XXXX - XXXX XXXX in the amount of {$180.00}. Shortly after checking into the hotel and returning from dinner, I discovered a bed bug in one of the beds. I immediately captured the insect and brought it to the front desk to report the issue. The front desk clerk contacted the hotel manager by phone, but the manager refused to speak with me directly. The clerk also refused to formally document the complaint and refused to formally process our checkout, stating that checkouts were only generated in the morning. Due to the health and safety concerns associated with bed bugs, we immediately vacated the property and did not stay overnight or continue using the accommodations. After multiple attempts in the following days, I eventually spoke directly with the hotel manager, who stated that the charges would be refunded once XXXX contacted the property. I then contacted XXXX multiple times over several days. During each call, XXXX representatives placed me on hold while attempting to contact the hotel XXXX, but repeatedly stated they were unable to reach him. XXXX later denied the refund request despite earlier representations that the hotel manager indicated the refund would be approved. I disputed the charge with Capital One and provided substantial supporting documentation, including : * A photograph of the bed bug * A handwritten note from the hotel front desk documenting that we checked out due to bed bugs * A signed written statement * A detailed communication timeline * Documentation of repeated attempts to resolve the matter with both the hotel and XXXX Capital One ultimately denied and closed the dispute, stating that insufficient documentation existed for pre-arbitration because I could not provide a voucher, refund receipt, or written refund confirmation from the hotel. However, the hotel repeatedly refused to provide such documentation despite multiple attempts to obtain it. The requested documentation was therefore outside of my control to obtain. My concern is not simply the denial of the dispute itself, but that Capital One appears to have disregarded substantial contemporaneous evidence and instead required one specific merchant-controlled document that the merchant refused to create or provide. I respectfully request review of Capital Ones handling of this dispute and whether reasonable consideration was given to the totality of the evidence submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
So i fell behind on my car payments because of me just coming out of the XXXX and while trying to find stable enough income to get back current i communicated and payed what i could when i couldnt make a payment at the time knowing i was behind i contacted them because they were saying they were gon na repo my car i told them that i can make a payment on XXXX of XXXX dollars and on the XXXX of XXXX i start my second job and can make weekly payments to get it current and we can talk what those numbers are and schedule those payments i was told schedule the payment on friday of the XXXX of XXXX and when i went to schedule the payment but needed something out of my car my car was repoed i then called and explained what had happened and the late on the phone was very rude and dismissed everything i said and didnt try to come up with other solutions just told me if i wanted my car pay the money if not it will be sold and ill be responsible for the rest of the balance after that i wasnt able to record the conversation with the first person concerning the payment plan but i have a witness but the second call with the lady i have a recording of that call This Loan is Through American Credit Acceptance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC ran promotion for new checking account where if new account did direct deposits over XXXX $ XXXX in 90 days they would receive XXXX $ bonus payment. I signed up through the promo link for promotion XXXX and it successfully applied ( see screenshot ). When i called to check on the bonus, the rep said that I would not get the XXXX $ bonus but they best they could do is XXXX . They bait and switched me on terms of the bonus. I have provided screenshots of the promotion, the link/applied bonus code of XXXX as well as evidence that i performed all direct deposit requirements. asking that they honor thier bonus advertised for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, an unauthorized transaction was processed through PayPal for approximately {$820.00} USD ( EUR XXXX ). The transaction appeared as PAYPAL / XXXX and was charged to my card ending in XXXX. I did not authorize this transaction, did not approve any purchase, and did not knowingly engage with this merchant or service. After noticing the charge, I immediately contacted PayPal to dispute the transaction and requested a review, as I believed it to be fraudulent or unauthorized. PayPal initially reviewed my dispute but later denied the claim, stating that the transaction was outside the 180-day dispute window. I was informed that no further review would be possible under their internal policy. I requested additional clarification and assistance, but was advised that I should contact law enforcement or file a report with IC3. I have since filed a report with IC3 ( Internet Crime Complaint Center ). I am submitting this complaint because I believe this was an unauthorized transaction or potential account compromise, and I am requesting a full compliance review and reconsideration of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I am submitting this complaint because I mistakenly entered the wrong company name in my previous CFPB complaint. The issue involves an internet service account that was sent to collections. I was originally told that a technician visit would be free, but I was later charged for it anyway. After I disputed the charge, additional late fees and collection activity were added. I believe the account balance became inaccurate due to charges that should not have been applied. I also dispute the reporting of this account to the credit bureaus. I previously attempted to resolve this issue directly and disputed the account. I am requesting that the company investigate the account, correct any inaccurate information, and remove any improper negative credit reporting related to this matter. I am also requesting documentation showing the validity of the charges and an itemization of the balance.

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 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I dispute this collection account reported by MRS BPO. This account arises from a disputed Spectrum billing error involving a requested vacation/seasonal hold arrangement that XXXX representatives acknowledged was not properly applied to my account. Despite the acknowledged dispute with the original creditor, MRS BPO reported and/or attempted to collect the disputed balance, negatively impacting my credit and housing applications. I request that the account be marked as formally disputed, investigated, and removed/corrected if the reporting is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these credit inquiries. Please investigate this issue.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
RESUBMISSION OF WITHDRAWN CASE : XXXX TO PRESENT TIMESTAMPED FRAUD EVIDENCE. On the night of XX/XX/year>, an unauthorized transaction occurred on my account, transferring {$2100.00} to an unknown individual named XXXX XXXX. I learned of this transaction when PayPal sent a fraud alert text message to my mobile device asking for authorization. Because this alert occurred during standard sleeping hours, I did not see it instantly. Rather than freezing the funds or holding the transaction in a " Pending '' status until explicit identity verification was achieved, PayPal willfully overrode its own automated fraud detection system and instantly disbursed my funds to the unauthorized party. The next morning, at approximately XXXXXXXX XXXX the moment I discovered the text, I immediately replied " NO '' to PayPals text transmission shortcode to explicitly reject the transaction. I then logged into my PayPal portal, filed a formal dispute, and contacted my financial institution to close my linked bank account to mitigate further financial losses. PayPal has since denied my dispute and holds me liable for the {$2100.00}, relying blindly on the superficial defense that the login originated from my businesss XXXX static IP address. This constitutes a legally deficient and negligent investigation under the Electronic Fund Transfer Act ( EFTA ) and Federal Regulation E. A static business IP address is highly vulnerable to proxy routing and malware hijacking. Attached to this complaint are official PayPal notification emails from XXXX and XXXX on the night of the attack, showing simultaneous logins from my standard XXXX browser and an impossible browser configuration signature ( XXXX XXXX XXXX XXXX XXXX ). This is definitive technical proof of XXXX XXXX ( XXXX Theft ) by an external threat actor. PayPal is in direct violation of Regulation E by failing to conduct a reasonable investigation into an explicit, real-time consumer rejection of a transaction their own system flagged as fraud. I request that the Bureau compel PayPal to erase this fraudulent liability.

Company response to consumer: Closed with explanation