vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/year> I woke up in the morning to see that my chime bank account checking and savings as well as my XXXX XXXX had been closed. I did not request that theyd be closed. Also, there was a quest for my email to be changed. That also was not me. Also, I have a transfer from my savings account to my debit account. I did not do that transfer. After the transfer was done in the middle of the night someone then used my virtual debit card for two charges on XX/XX/year>. I did not make either charge. One was for {$2000.00} and one was for {$1400.00}. The first charge was returned to me after I spoke with the company and my bank. The second charge still has not been returned to me although I did not authorize the charge for XXXX XXXX. My bank denied me two times and now I am writing to you. I have emails showing closing of my account the transfer of funds the charges that were made by somebody else. Also, my bank removed XXXX XXXX that were unauthorized on my account that were using my virtual debit card. I assume and now I am writing to you. I have emails showing closing of my account the transfer of funds the charges that were made by somebody else. Also, my bank removed XXXX XXXX that were unauthorized on my account that were using my virtual debit card. I assume you can go back to their audiotape on certain days to hear that information. I am asking my funds be put back in the bank since clearly I did not make that charge and also there is so much evidence that someone else was using my card. Since then, Ive had a new physical card and twice had to get a new virtual card. Last week I had six charges from a certain company, and when I called the bank to dispute them, the charges were put back. And my virtual card was again changed. I would like the refund of my charge on XX/XX/year> in the amount of XXXX from XXXX XXXX. Please let me know what other documents you need as it has been far too long and my bank is extremely rude and unprofessional dealing with this. Ive asked many times to speak with a manager and they just hung up on me. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am submitting a complaint regarding the handling of my mortgage forbearance extension with Freedom Mortgage. My original forbearance period was from XX/XX/year> through XX/XX/year>. On XX/XX/year>, prior to the expiration of my existing forbearance, I requested a three-month extension. The servicer approved the extension but applied it with dates of XX/XX/year> through XX/XX/year>. This creates an overlap with my existing forbearance period and effectively reduces my relief by one full month. I have contacted the servicer multiple times and opened two escalation cases to correct this issue. I have been given conflicting explanations, including that the extension was backdated because it was approved in XXXX, and that my prior forbearance ended on XX/XX/XXXX when I submitted the request. Neither explanation justifies starting the new forbearance period on XX/XX/XXXX, which overlaps with an already active forbearance. Because I requested the extension before my original forbearance expired, the extension should begin after the existing period ends, or otherwise be applied in a way that provides the full three months of relief without overlap. I am requesting that the servicer correct the forbearance dates to properly reflect a full three-month extension without any overlap, such as XX/XX/year> through XX/XX/year>, or an equivalent correction. Despite multiple attempts to resolve this directly, the servicer has refused to correct the issue. I am requesting assistance in ensuring that my forbearance is applied correctly and that I receive the full relief period I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am filing a complaint regarding a fraud transaction that my bank, Chime, has refused to properly investigate. I was the victim of an impersonation scam on XXXX where an individual pretended to represent XXXX XXXX XXXX XXXX XXXX and requested two payment of {$100.00} and another of {$160.00} for modeling-related services. This was a fraudulent misrepresentation. I sent the payment through Chime, and after realizing it was a scam, I immediately contacted Chime and filed a dispute. Chime denied my claim and stated there was nothing they could do, despite clear evidence of fraud and impersonation. I have filed a police report and have documentation including screenshots of the scam messages, the fake XXXX profile, and the transaction. The report number is XXXX I am requesting that Chime reopen and properly investigate this fraud claim and provide reimbursement for the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding an incorrect loan balance and restricted account access with Affirm. I made a purchase with XXXX using Affirm financing. The order included three items : A pool ( which was later cancelled by XXXX on XX/XX/XXXX ) Two other items ( water cleaner and chemicals ) After a chargeback issue, XXXX required me to repay for the remaining items. I paid approximately {$330.00} directly to XXXX using my personal card, and I have proof of this payment. At this point : The pool has been cancelled The remaining items have been fully paid outside of Affirm However, Affirm still shows the full original loan balance of {$1200.00}, which is incorrect. Additionally, my account is restricted due to a dispute process that Affirm has initiated, preventing me from using their services for up to 60 days. This is not a true dispute, but a billing error that has already been confirmed with documentation. Despite this, Affirm refuses to correct the balance and requires me to wait. I am requesting : Immediate correction of my loan balance Removal of incorrect charges Restoration of my account access

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: TX

Complaint narrative:
I dispute a balance of about {$4700.00} on my PayPal account. My bank investigated and confirmed the transactions were fraudulent and reversed them. The credits are finalized in writing. PayPal is still showing this amount as an available balance, but I do not have access to it and I do not owe this money. I am also seeing recurring payments and can not remove my card. I want : My balance set to {$0.00} No collections or negative reporting All recurring payments canceled My card removed My account closed Written confirmation of this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NV

Complaint narrative:
I initiated a loan refinance with my bank ant the end of XX/XX/XXXX. The loans with Mohela were paid off in early XX/XX/XXXX. After the loans were funded, I called early XXXX and told them the payoff was too large, and they informed me that loan balances tend to be overpaid to allow for cash to be delivered and applied to the correct loans. That the overpayment would be automatically processed within 30 days of the loans being paid off. I waited 30 days as informed and saw there was no change to my account history through the Mohela customer portal. I called Mohela again and was transferred to a supervisor. I was told that the refund should have been issued by then and the agent would expedite the account for refund. I was told I would potentially have to wait 6-8 weeks to receive my refund in the mail or for the bank I refinanced with to receive the refund, and that due to the holidays it may be closer to the 8 weeks quoted. I understood and thanked the agent. I called back around the second week of XXXX to allow the 8 weeks quoted window to lapse. Again, I was transferred to a Supervisor. That supervisor informed me that my initial time estimate was inaccurate and that I would unfortunately have to wait 60-90 days from that XX/XX/XXXX date that my account was refunded. I called back after 90 days at the beginning of XXXX as I still had yet to receive a check in the mail or the refinancing loan account refunded. Again, I was transferred to a Supervisor. The supervisor informed me that I was misquoted, that I would have to allow 90 business days to have the {$2300.00} overpayment refunded from the XX/XX/XXXX refund date, and I should receive that refund in the mail within the month. XXXX business days from XX/XX/XXXX was XX/XX/XXXX. I gave a couple more grace days in there before calling back today XX/XX/XXXX. I just got off the phone with an advanced agent and was informed that everyone was telling me the wrong date. I am only on day 56 business days from XX/XX/XXXX, as this was the day that the refund was initiated. It seems no one knows their process and no one can get this issue concluded and resolved. Within 30 days of the account being funded, they should have seen the overpayment and had that sent back to the bank or myself. The payment to the loans to account for accrued interest as the refinancing settled came to {$49000.00} The amount to be refunded as marked on my Mohela account from XX/XX/XXXX is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was permanently limited approximately XXXX days ago, and I was informed that any remaining balance would be eligible for withdrawal after this period. As of today, my funds are still being withheld without a clear or consistent explanation. I have complied with all requests made by PayPal and have not been provided with any valid justification for why my funds remain inaccessible beyond the stated timeframe. Over the past week, I have attempted to resolve this issue by contacting PayPal customer support daily, spending around one hour per day on calls. Despite these efforts, the issue remains unresolved. During these interactions : * I was promised a callback from a higher-level team, which never occurred * I received conflicting information regarding whether escalation to a manager was possible * I was given inconsistent explanations about account limitations and account detail changes * A call with a manager was terminated after I was told I could not be heard, despite the call appearing functional on my end These repeated inconsistencies and lack of follow-through have prevented any meaningful resolution. Amount currently being withheld : {$490.00} I am requesting : 1. Immediate release of my funds held beyond the 180-day period 2. A clear explanation of the legal or policy basis for continued withholding 3. A formal review of my case and prior customer service interactions If PayPal believes it has legal grounds to retain these funds, I request full documentation supporting that position.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I paid off my Upgrade credit card in full to a zero balance over the phone approximately eight months ago. In the exact same phone conversation, I immediately requested cancellation and closure of the account. The representative confirmed the zero balance and processed the cancellation that day. For the next eight months I received no statements, no letters, no emails, and no communication whatsoever from Upgrade. I had no reason to believe any balance existed. Starting recently, I began receiving text messages claiming I now owe approximately {$53.00} plus accumulating monthly interest. Today alone I have received two to three phone calls aggressively demanding payment. I have never received any billing statement explaining these charges, nor any prior notice that a balance would be added after the account was closed at zero. This appears to be a billing error under the Fair Credit Billing Act. The account should have remained closed at {$0.00} with no further activity or contact. I request the full relief outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I contacted M & T Bank on or around XX/XX/XXXX regarding my delinquent auto loan. During that conversation, I was told that if I made a payment, my vehicle would not be repossessed. I relied on that statement and made the payment. Despite this, my vehicle was repossessed shortly afterward without notice. After the fact, I was told my account was approximately 75 days past due. However, this was not communicated to me in a way that made it clear repossession could still proceed despite my payment. I was given a clear assurance that making a payment would prevent repossession. I relied on that representation to my detriment. I called them and they insisted that they have done nothing wrong even though I did not receive any text, calls, emails, or letters regarding my car being in danger of repossession after XX/XX/year>. They in fact told me today XX/XX/XXXX that yesterday XX/XX/XXXX was the cut off date for the car to be repossessed. I did not get any warning of this, nor did I get a call or anything regarding the repossession today and nevertheless did I get this information when I made the payment on XX/XX/XXXX. They said the best they can do was not make me pay the late fees. there is also nothing on my statements regarding the days past due like they said, and there is no letter regarding the days/repo. I am requesting : Return of my vehicle without repossession-related fees, or reimbursement of those fees A full explanation of why repossession occurred despite the representation made A review of call recordings from XX/XX/XXXX This appears to be a case of misleading or inconsistent information that caused financial harm. The representative I spoke with on that day was XXXX I have proof of payment on XX/XX/year> date of repossession is XX/XX/year> last XXXX digits of the loan are 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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I initiated an international money transfer on XX/XX/year> via Abound ( Transaction ID : XXXX ) for approximately {$4500.00} to an XXXX account in XXXX. The funds were deducted immediately from my account, and as per the transaction details, the service provider received the funds on XX/XX/year>. However, the transfer has remained stuck at the Transferring to XXXX stage and has not been completed even after more than XXXX days. Initially, the application showed an expected delivery timeline around XX/XX/year>. However, this timeline has since been removed, and no updated or clear completion date has been provided. This lack of transparency and changing information is very concerning. I have contacted the company multiple times requesting the status, expected completion date, and possible reversal of funds. However, I have only received generic responses stating the transaction is under process, without a clear resolution. This delay has caused significant financial hardship. I have missed bill payment due dates, and my parents are currently depending on this money for their regular living expenses. This situation has been very stressful and difficult to manage. I am requesting immediate resolution, either by completing the transaction to the beneficiary account without further delay or initiating a full reversal of the funds back to my source account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: UT

Complaint narrative:
I am submitting this follow-up complaint based on Cavalry Portfolio Services , LLCs formal response, which confirms multiple compliance failures under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). While this is not a claim of identity theft, the alleged debt is not legally enforceable due to Cavalrys failure to provide validation and its continued collection activity through credit reporting. Cavalry admits that : * I disputed the alleged debt on or about XX/XX/year> within the statutory validation period * I explicitly requested cessation of collection activity until proper validation was provided * Cavalry marked the account as cease and desist following my request * Cavalry has not provided any validation of the alleged debt Despite this, Cavalry further admits that : * It continued furnishing information to credit reporting agencies * It responded to Automated Consumer Dispute Verifications ( ACDVs ) by verifying the account as accurate * It maintained active reporting of the tradeline This conduct constitutes continued collection activity without providing validation, in violation of 15 U.S.C. 1692g ( b ). Additionally, Cavalry verified the account through the credit reporting system without first providing validation or conducting a reasonable investigation supported by underlying documentation, raising serious concerns under the Fair Credit Reporting Act. Cavalry further stated that documentation would only be provided if the cease and desist was removed, improperly conditioning my statutory rights and interfering with my ability to obtain validation as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MN

Complaint narrative:
Cash app took money out my account from a withdrawal I tired to make at XXXX XXXX but the money never came out so I sent over the receipt with the address etc on it and made a dispute and I still havent heard anything back and I need my money and I have bills to pay and need this urgently resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: V and H Portfolio
State: TX

Complaint narrative:
A collection account from Vance and Huffman appeared on my credit report that I believe was inaccurate. The amount of XXXX the date XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I sent XXXX checks to pay off XXXX student loans with First Mark Services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The checks were as follows : Written XX/XX/year> for account XXXX {$32000.00}, cash by my bank XX/XX/year> Written XX/XX/year> for account XXXX {$25000.00}, cashed by my bank XX/XX/year> I have called the creditor several times each time I get a different story as to the status of my refund of approximately {$1600.00} for overpayment. Per my most recent call on XX/XX/year> the check still has not been issued. The creditor First Mark acknowledges the overpayment. I believe the time to process this return is excessive. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: AZ

Complaint narrative:
My identification was stolen. They got a loan on Cash App. Now Cash App wants me to repay the loan I did not take out. I have called them and emailed them. They dont answer or return my calls. They wouldnt even take my police report number which I tried to give them several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX/26 my ex girlfriend deposited XXXX cash in to my PNC bank account using my authorized code created by me on my phone to mobile tap to deposit funds. The bank then locked my account an told me that it was under investigation. After months of this the bank later told me that the only way I would get my money was if I had my ex go to a branch and verify that it was her that put the money in my account. I got a letter from the bank saying my account was closed and that a cashier check would be sent. The later that day a branch rep told me that that was by error and they was not going to release my funds till my ex came in now the bank wont return my money an caused me to default on loans an other expenses.

Company response to consumer: Closed with explanation