vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 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: AZ

Complaint narrative:
On XX/XX/XXXX I made a payment. I requested a refund and on XX/XX/XXXX I was issued a refund of {$50.00} for that purchase. This refund never made it to my debit card used for the original purchase. I have informed them on XX/XX/XXXX that the refund hasn't been received by my bank. I was given a reference number to give to my bank. I gave them the number and was informed that the reference number means nothing because they are just receiving end and can't trace the payment. I contact PayPal again and then I'm told it would be looked into and that they'd get back to me. Days later I'm told they issued said refund and I'm on my own. It's now 8 days later and I still don't have my refund. My bank can't help, PayPal won't look into it anymore and my {$50.00} is just missing in limbo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Jim Bottin Enterprises, Inc
State: RI

Complaint narrative:
They were monthly memberships from a gym that this third-party was managing. The memberships was {$20.00} and they were only Authorized to use my bank account and routing # of my first bank account. When I sign up for my second gym, I use a totally different bank account with a linked debit card. They took it upon themselves to use that bank account and debit card to service the other gym without my consent, both gyms are not related in any way totally different companies, just happened to using that third-party, XXXX XXXX Subject : Unauthorized Use of Payment Method Across Separate Gym Contracts To Whom It May Concern, I am filing a complaint regarding unauthorized use of my payment information by XXXX XXXX XXXX XXXX acting as a billing processor for multiple gyms. 
Background : XXXX I was a member of Gym A for approximately 10 years. My only payment method on file for Gym A was Bank Account # XXXX ( routing and account number ). 
XXXX I later joined Gym B, which is a completely separate gym with no corporate connection to Gym A. I provided a different payment method ( Debit Card # XXXX linked to a different bank account ) to Gym B. 
XXXX At a later date, I discovered that Gym A, through XXXX XXXX XXXX, had charged Debit Card # XXXX without my authorization. This card was never provided to Gym A and did not exist when I originally signed Gym As contract. 
Issue : XXXX XXXX XXXX cross-applied payment credentials between two unrelated merchant accounts without my consent.

Any authorization contained in Gym As contract only applies to Gym A and the specific payment method provided at the time. It does not authorize Gym A or XXXX XXXX to access payment methods provided to a completely separate merchant ( Gym B ).

This action constitutes an unauthorized electronic debit under federal law ( Regulation E, ACH rules ) and is a violation of my rights as a consumer.

Requested Resolution : 1 Immediate reversal of any unauthorized charges applied to Debit Card # 2.

2 Written confirmation that XXXX XXXX XXXX will cease using any payment method across separate merchant accounts without explicit, documented authorization. 
XXXX Documentation of any internal policies that permitted this cross-use of payment information. 
Please provide a formal written response to this complaint at your earliest convenience. I reserve the right to escalate this matter to federal and state regulatory authorities if it is not resolved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
The company closed the account after I made an agreed upon payment and stated the account would not be closed.Than kept charging me late fees AFTER THEY CLOSED THE ACCOUNT. I also explained to them that I had been in the hospital for a few months and I was back to work. I contacted them in advance and kept them informed. 

The credit card has a billing issue. I was being charged after the account was closed. I wrote a validation letter. I also asked for a 1099 form being that this account has been charged off. I was have yet to receive any of these requests. 

Credit Card Accountability, Responsibility and disclosure Act of 2009 ( CARD ACT ) This law protects us consumers from unfair practices by issuers, such as limiting interest rate hikes, restricting fees, and requiring clear payment disclosure. 

Truth in lending : Requires disclosure of interest rates, fees and terms for credit cards. 

Also, Fair Credit Reporting ACT prohibits third party debt collectors from using abusive, unfair, or deceptive practices when attempting to collect credit card debt.

( The third party has called me over 15 times in one day, I have been harassed, cursed out ) Also, because they closed my account it now say I have 15 missed payment. After the account has been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: NY

Complaint narrative:
Hi, I am writing to respectfully inquire about a potential refund related to my student loan account. My original loan amount was {$13000.00} with no interest. I was granted XXXX Loan Forgiveness in the amount of {$17000.00}, and my loans were officially forgiven on XX/XX/XXXX. Prior to the forgiveness, I had made payments totaling {$600.00}. I submitted a request for a refund of this overpayment a while ago, specifically on XX/XX/XXXX, before the loan forgiveness occurred. I have contacted your office several times regarding this refund, and I understand that processing can take time and that my case has been escalated to a supervisor. However, I have not yet received the refund. Thank you for your time and attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: MN

Complaint narrative:
This ties in with my complaint against XXXX XXXX. When XXXX XXXX refused to honor my requests to revoke authorization to use my debit card for reoccurring billing, I then contacted the bank account that XXXX XXXX is trying to withdraw a large sum from daily. 

This would be my Credit Karma Money Account. 

I spoke to a representative and explained the situation with XXXX XXXX and that I did not want them to allow XXXX XXXX to withdraw any amount from my account. I asked for a Stop Payment Order. 

The representative told me no because a Stop Payment was only for ACH transfers. I asked for another solution then such as blocking the merchant. They said no again. 

I believe under the Electronic Fund Transfer Act and CFPB Regulation E, that both XXXX XXXX  and Credit Karma should have acted upon my requests regarding revoking XXXX XXXX XXXX access to my bank account. Both companies refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: Nelnet, Inc.
State: CO

Complaint narrative:
I am submitting a complaint regarding my federal student loans, which were previously serviced by Great Lakes. My loans appear to have been transferred to a new servicer without clear notification or account access being provided to me. 

I currently can not determine who services my loans or access an online account despite attempting to locate my loan information. I have not received billing statements, emails, or mailed notices informing me of repayment obligations or payment due dates. 

I recently began receiving phone calls stating my loans are past due and that I owe approximately {$450.00} ; however, I was never provided notice of where to make payments or how to access my account. This has caused confusion, distress, and potential delinquency through no fault of my own. 

I am requesting that the Department of Education and the current loan servicer : XXXX. Identify and confirm my current loan servicer. 
XXXX. Restore full account access immediately. 
XXXX. Remove any delinquency or past-due status caused by lack of notification or account access. 
XXXX. Provide written documentation of all transfer notices allegedly sent. 
XXXX. Ensure accurate reporting to credit bureaus. 

I am seeking correction of any negative account status resulting from failure to properly notify me during servicer transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: Nelnet, Inc.
State: TX

Complaint narrative:
I applied for student loan forgiveness based complaints filed about the institution. A decision was supposed to be made within 3 years of the initial application, it has almost been 4 years. I do not now what the status of my application is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding my digital wallet account with Cash App. 

Last Fall, my account was closed by the company. At the time of closure, there was a remaining balance of approximately {$25.00} in the account. Since the closure, I have attempted multiple times to withdraw the remaining funds to my linked bank account and debit card. Each attempt has failed, and I have received messages stating that the bank declined the transfer. 

I have contacted Cash App customer support approximately eight times through the available support channels requesting assistance in withdrawing my remaining balance. I have not received a meaningful response or resolution. The funds remain visible in my account balance, but I am unable to access or transfer them. 

I am not disputing the companys decision to close the account. However, I am requesting access to withdraw my remaining balance. I believe I am entitled to receive the funds that were in my account at the time it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: AZ

Complaint narrative:
Hello, Someone took my card out of my wallet. 
She added it to her digital wallet. 
She returned the physical card to my wallet. 
XXXX confirmed my card was added to their XXXX wallet. 
I have not been protected from these unauthorized charges made with my CashApp card. 
CashApp closed my account. 
Reimbursement was not handled. 
Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Regional Management Corporation
State: TX

Complaint narrative:
Loan was paid as agreed early. Was still reporting that in derogatory status and is current when the account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is sent in response to the collection account listed above, which I dispute in its entirety. I do not acknowledge any obligation for this alleged debt. 

Pursuant to the Fair Debt Collection Practices Act, XXXX U.S.C. XXXX, you are hereby notified to cease all communication with me regarding this account, except as expressly permitted by law. Any continued contact outside those limits constitutes a violation of federal law. 

Because this debt is disputed, you are required to either : XXXX. Provide competent and complete validation proving I have a legal obligation to pay this debt, or XXXX. Immediately cease collection efforts and remove this account from all consumer reporting agencies to which it has been reported. 

Reporting or continuing to report an unverified, disputed account after receipt of this notice is improper and may constitute further violations of the FDCPA and applicable consumer protection laws. 

If you can not legally continue collection, you must ensure the permanent deletion of this account from my credit reports. Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General. 

Please confirm in writing that this matter has been resolved and that the account has been removed.

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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I filed multiple dispute with chime knowing that my money was taken out of my account without my authorizations nor permission of use of my bank or card. I got denying 2 times already when knowing that is XXXX due to the fact that my money was taken out my account checkings account I never got notified through the app nor through text nor email .. not even a text saying do I verify a withdrawal of such and such none of that .. my money supposed to be secured with chime at all times some way some how I want my money back.. I work to hard for my money to nit be given back to me.. I dont know how it happened with today 's technology I could've got hacked, compromised and with info leaked out in the dark web or etc... this is not fair at all I got kids and family that rely on me and chime got the nerve to not give me provisional credit which they violated my banking rights as UNITED STATES XXXX And my banking right!! My money was taken from me with online shopping and being used without my consent every transaction that was taken out I never got notified through their security system .. nor did they stop the money taken out of my account and called me to verify the merchants or transactions .. they didn't even block the card or freezed to prevent more unauthorized transactions.. I literally had to sighn in into my chime app to check every transactions after then due to me not getting alerts or feedback!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I filed a dispute with PayPal regarding a seller who is clearly violating XXXX XXXX XXXX XXXX. I provided substantial supporting evidence demonstrating the violation, yet the case was denied. Based on the speed and nature of the decision, it raises concerns about whether the dispute was thoroughly reviewed by a human representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
The story changes every day and causes a lot of tension as I can prove that Im owed yet they put pending on it until they can make a statement and then close no explanation. Im still waiting on a payment after XXXX weeks they said XXXX different times and dates I would be paid. 

Im owed so much and can prove most of it however they cant prove there end.

I actually have bills that are falling back not from overspending however moving cash around and being told that it would be there.

Im losing money daily and they are loaning it out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently became aware that my personal information was exposed in a data breach. The breach revealed sensitive identifying information connected to my name and Social Security number without my authorization. After reviewing my consumer reports, I discovered accounts and information that I do not recognize. 

Because of this unauthorized exposure, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). I am currently submitting my FTC Identity Theft Report, data breach documentation, and XXXX XXXX requests regarding the disputed accounts.

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 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: VA

Complaint narrative:
CashApp Square Inc. Is exploiting me as a Celebrity by XXXX hacking the features of their Cash Add Money feature. I have been telling them for XXXX now that every bank card I own is verified I XXXX and registered to me but they still continue to void my access to utilize the benefits of having and transferring access to my own money. I am a private class citizen that demand security and reciprocity of currency to my funds in need of emergency at all times and every encounter with their support chat and overseas agents by phone is a constant bamboozlement of lies and evasive nonsense with no XXXX action to release to monitoring flags. 
XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged maintenance fee in my checking account, tried to close my account but they dont help to close it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am disputing the Toyota Financial Services account ( Balance {$10000.00} ). The account was charged off in XXXX following a XXXX default. However, the lender is currently reporting a XXXX payment. I never received the mandatory 'Notice of Plan to Sell ' or 'Explanation of Deficiency ' required by Texas XXXX XXXX XXXX XXXX XXXX after the XXXX recovery of the vehicle. Furthermore, since the cause of action accrued in XXXX, the statute of limitations to collect this deficiency in Texas has expired. I request that this unverified, legally unenforceable, and inaccurately reported trade line be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a pre-paid gift XXXX  gift card purchased at a XXXX grocery store location in California for my birthday in the amount of {$300.00} from my parents. The card has an expiration date listed as XXXX/2030. Last week I verified the balance on the card website ( prepaidgiftbalance.com ). The balance was confirmed at {$300.00}. Yesterday ( XX/XX/year> ) I took my wife out to dinner and attempted to use the card. It did not work. The next day I called their customer support number ( XXXX ) for help to use the card. I was told to submit personal verification documents on their website to re-activate the card. I walked through the website all the way to uploading what they requested which was my personal government-issued XXXX. The website kicked out an error saying that I needed to call the phone number back to get more information. So I did... They then asked me to FAX pictures of both my Gift Card front/back and my government issued ID to them. I then asked to speak to a supervisor ( XXXX ). She said they are a branch of US Bank ( usbankfocus.com ). They do not have an inbound Email account. The only way for them to address my concerns is to fax my personal information for review. The fax number she provided was XXXX. She then told me to include a XXXX ID # on the fax which she could not explain what that was or why. At that point this felt very fraudulent so I began searching up the company online and found XXXX similar complaints from consumers reporting the same issues ranging from inability to use the card, to being run around in call centers, to being asked for government issued IDs and SSNs. At this point they are holding XXXX {$300.00} in cash and I need help recovering and accessing my funds.

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 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A.
State: NY

Complaint narrative:
In XX/XX/year> I applied for an PNJ web loan for a vehicle. As requested by loan agent I did in person verification at PNC XXXX. When in bank I discussed PNC XXXX insurance must be part of contract. I was assured by XXXX that XXXX is part of the contract before signing. XXXX and I were not alone agent XXXX was also in the room when I stated XXXX  must be part of contract. XXXX had personal experience with my account and had open multiple accounts for me so I believed her when she stated XXXX insurance was included in my contract before signing. If XXXX insurance was not included I would have not signed contract. When time can to use my PNC XXXX insurance I was denied. I called XXXX and PNC many times with no response. I was entrapped into signing a contract that would not provide main request of reason ( gap insurance ) to enter into contract. PNC has place a {$1900.00} charge off on my account which was supposed to be cover by PNC XXXX insurance I was lead to believe I signed on my contract.

Company response to consumer: Closed with explanation