vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD is demonstrating systemic bias against me. with-in the last year they have caused issues with my utility providers that caused the companies to restrict my account services from using bill pay on-line. When the issue was addressed it was being labeled as a technical issue. this waas XXXX XXXX then Td started restricting my account services were as my account was limited use. XXXX my account was offering small loans to customers, each time i applied i was immediately denied with no explanation. In late XXXX i filed my Tax return. I received an IRS and XXXX XXXX notification on XXXX XXXX that my account was deposited into My td bank account and i should see thge funds by the close of the day. TD bank Hid my money from being seen in the account. On XXXX XXXX i received a email from XXXX stating TD bank rejecting my refund on XXXX and now i will have to wait to receive it by mail. I called TD bank customer service at XXXX and spoke with XXXX who verified that all of my banking information was correct in order to receive the wire transfer. XXXX reached out to XXXX her supervior wjo stated that XXXX requested that they returned my money because something eas wrong on my return. I stated the bank does noit have authorization to make decisions as such. the bank hung up in my face. i called back at XXXX XXXX technical support who verified that all of my information was correct. XXXX placed me on hold to question a manager and when she returned to the call based upon what she was told she hung ended the call as well and no one from TD called back. Td bank is participating in Civil Conspiracy i would like my case investigated. I have opened a case with the Florida Attorney General office and XXXX. Td Bank has been placing me in compromising situations and causing havoc and refusing to address the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, a transfer of approximately {$50000.00} XXXX was sent from XXXX XXXX to Wise Payments XXXX XXXX. On XXXX XXXX XXXX, Wise Payments XXXX XXXX processed a return transfer through its banking partners, including XXXX XXXX XXXX in XXXX. The transaction references indicate a return of the original payment dated XX/XX/year>. However, the return transfer has not completed through the expected banking chain back to the originating account. The expected return path was XXXX to XXXX XXXX to XXXX XXXX , back to the originating account. However, the return transfer has not completed. As of today, XX/XX/XXXX, the funds have been unaccounted for since XX/XX/year>. We contacted XXXX XXXX directly, and they confirmed they have not received the returned funds in any capacity. This indicates the funds are currently held somewhere upstream in the banking chain ( likely at XXXX or XXXX ). Since XX/XX/year>, I have been in active communication with Wise support. I have provided all relevant transaction details, including the XXXX and return reference, and have requested that Wise initiate a formal XXXX trace to determine the current location of the funds. Despite multiple follow-ups : * Wise has not confirmed whether a XXXX trace ( XXXX or equivalent ) has been initiated * Wise has not provided confirmation of which bank currently holds the funds * Wise has not provided any XXXX transmission details or responses from XXXX * I was told a manager would contact me on multiple occasions, but no such contact has been made As of the date of this complaint, the funds have been missing for approximately two weeks with no confirmed location, and Wise has not provided adequate investigation details or resolution. I am requesting that Wise immediately : 1. Confirm the current location of the funds 2. Provide documentation of a formal XXXX trace 3. Ensure the funds are returned to the originating account without further delay This is a significant amount of money, and the lack of transparency and delay in investigation is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
First, thank you for assisting. I have tried attempts to get through to MOHELA. At one point, I did find out that MOHELA loans were being serviced by student aid. The one individual at student aid was very knowledgeable and assisted. The problem is is that I have to get to MOHELA to have them assist with the loans, but emails go unanswered and anytime you go online you get referred to student aid. I have had 118 to 119 payments in forbearance for at least a year ( ish ) and it always shows in my account that its processing. The account shows that the loans will be paid off the next month only to go back online and theyve been pushed out again. There seems to be no efficient way to get a hold of somebody to assist at Mohela. My loans have been sitting, waiting for either the income driven repayment plan or the PSLF plan and in limbo. My income driven account has been sitting since XX/XX/year> and processing. I understand that these places are overwhelmed and likely understaffed, but it would be nice if I could just get through to somebody to get my loans out of forbearance. I have worked in the public sector for 13 out of the 16 years Ive been out of college. Ive had multiple friends have their loans forgiven who have also worked in public service and then Ive seen other people that work in business and have had their loans forgiven. This has been multiple years of attempt and its exhausting. I was informed in college that I needed 10 years of public service to have my loans forgiven. Ive done my part and would be so grateful if they could do theirs.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
To Whom It May Concern, I am formally disputing PayPals continued restriction and handling of my account and funds. PayPal has effectively held my funds hostage while simultaneously refusing to provide a reasonable method for resolution outside of forced telephone contact. I have repeatedly requested written communication and issuance of a paper check for any remaining balance. Instead, PayPal continues to demand phone interaction despite my clear request for written-only correspondence. Additionally, I have requested closure of the account to prevent further exposure to fraud, unauthorized activity, and misuse of my information. PayPal has refused or failed to properly close the account while continuing to maintain access points tied to the account. This creates ongoing security concerns and unnecessary exposure. I further object to PayPals practices requiring telephone-only resolution methods when I have specifically requested written accommodation and paper documentation. I consider the refusal to reasonably accommodate written communication requests and refusal to simply issue a paper check to be unacceptable. My demands are as follows : 1. Immediate release of all held funds by mailed paper check. 2. Immediate permanent closure of the account. 3. Cease and desist from any further unauthorized use, access, processing, or retention of my banking/payment relationship beyond what is legally required. 4. Written confirmation that the account has been closed and all restrictions resolved. 5. All future communication to occur in writing only. If this matter is not resolved promptly, I reserve the right to pursue complaints with applicable consumer protection agencies, banking regulators, state attorneys general, and any other appropriate regulatory or legal avenues. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am being sued by a 3rd party debt collection agency for a debt that I do not own. Their proof of my ownership is insufficient. There has been no agreement provided between myself and the original creditor proving my ownership of the debt.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
On XX/XX/year> I contacted Barclays to close my account on XX/XX/year>. I received a message indicating that this would be done. I checked the account on XX/XX/year> and saw that the account was closed. Then on XX/XX/year>, Barclays accepted a charge from XXXX XXXX. I protested that they could not do this because the account was closed as of XX/XX/year>. They have told me that it takes 14 days to close an account, something I have never been told and they provide me no information to show that this is correct. Their message to me and my own checking of the account on XX/XX/year> indicates that the account was closed. I believe that Barclays is in XXXX with XXXX to get as much money from me as possible. They have since charged me with interest and late fees and are providing information to credit bureaus to lower my credit rating, even though I have a formal request pending with them. I paid the original amount under protest just to get this large company off my back. We consumers are at the mercy of these large corporations. They need to pay me back the money I paid under

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 2026-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
The date the action accured was XXXX XXXX. The amount was {$980.00}. The company is United Revenue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/year> I had contacted portfolio recovery services to gain information on the debt that I owe after receiving and email from XXXX XXXX XXXX. The guy i was speaking with told me in order to go over any details about the situation that I would owe a certain amount of money to do so. The email from XXXX XXXX XXXX states that I owe {$1000.00} on a credit one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Prior to terminating my lease for a XXXX XXXX XXXX XXXX, I contacted XXXX XXXX to clarify my financial obligations. During that conversation, I was explicitly informed that if the vehicle sold for more than {$15000.00}, I would not be responsible for the remaining lease payments. Relying on this representation, I proceeded with lease termination. The vehicle was subsequently sold for more than {$15000.00}. Despite this, XXXX XXXX is now attempting to collect the remaining lease payments, directly contradicting the information I was provided. Escalation and Company Response : After discovering the discrepancy, I escalated the matter to XXXX XXXX Executive Office and specifically requested : A review of my case, Access to the call recording confirming what I was told, and A resolution consistent with the representation made to me. I was informed that call recordings would not be released without a subpoena, and ultimately, the Executive Office advised me that they would not take any action to resolve the issue. Key Concerns : I relied on a clear and material representation made by a company representative. The representation directly influenced my decision to terminate the lease. XXXX XXXX has acknowledged the possibility of incorrect information being provided but refuses to correct the outcome. The company is withholding key evidence ( call recordings ) unless compelled legally. Despite escalation, the company has declined to provide any meaningful resolution. Impact : As a result of relying on XXXX XXXX statements, I made a financial decision that has now led to unexpected and disputed charges. I believe this constitutes a deceptive or misleading business practice and a failure to act in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 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: MD

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I contacted the company by phone on XX/XX/year>. They said they will contact me did not hear back from them. I sent a letter requesting details on XX/XX/year>. still no response. i had a complaint with XXXX XXXX, they responded with all three major credit companies. all remove the false reporting except XXXX. I called XXXX they did not provide and documentation or details to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: Affirm Holdings, Inc
State: WA

Complaint narrative:
XX/XX/26 I tried to purchase three items from XXXX XXXX XXXX using Affirm, there was a glitch of some sorts and my order was never received by XXXX XXXX XXXX, I reached out to Affirm to let them know the order never went through. Affirm customer service then told me that the loan would say " pending '' for until XX/XX/XXXX and then it would fall off. I checked a couple days later and noticed that the loan now says ACTIVE, so I reached back out to them multiple times to get it resolved and they said there's nothing they can do, they say XXXX XXXX XXXX received the funds. I reached back out to XXXX XXXX XXXX and they said they did not receive the order or the funds. So I called Affirm again, and after being transferred to different departments they said they could not provide me with the proof that the funds were captured and that there's nothing they can do. They are charging me {$4900.00} and the order did not go through. loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account at XXXX XXXX and deposited a check of XXXX it was closed unfortunately for no apparent reason and a check was sent with my balance.I took the check and opened an account at citi and deposited the check on the XXXX of XX/XX/year>. Since then immediately a day after I was locked out of the account with citi I am going back and forth between the two banks to see what is going on.XXXX said they have nothing to do with this and Citi is telling me to Contact XXXX XXXX because they cant validate. I know there is a way to validate checks without them calling any bank.Can I get help?

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I received an unsolicited SMS and PDF debt validation notice from Valor Intelligent Processing claiming I owe {$60.00} to XXXX ( account XXXX, Valor reference XXXX ). The notice was mailed to a XXXX, XXXX address I have not lived at for approximately seven years. I have no account or contractual relationship with XXXX, no record of using any XXXX-operated parking facility, and no signed agreement to pay them anything. The use of a stale address strongly suggests this is the result of a license plate misread by XXXX 's automated XXXX system, or stale motor vehicle data, both of which are well-documented issues with this creditor including the XX/XX/year> XXXX Attorney General settlement and pending class action litigation regarding deceptive billing and erroneous citations. The same day, I emailed XXXX formally disputing the alleged debt in its entirety and demanding full validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, including the original creditor 's details, the date, time, and exact location of the alleged parking session, the license plate and vehicle information XXXX associated with this charge, entry and exit XXXX photographs, documentation of how my personal information was obtained under 18 U.S.C. 2721, a full itemization of the {$60.00}, and proof that Valor is licensed to collect debts in XXXX. I instructed Valor to cease all telephone and SMS contact and to communicate only in writing. I am filing this complaint as a parallel measure to ensure the dispute is documented and to request that Valor be required to either produce valid evidence I personally owe this debt or close the account and confirm in writing that no derogatory information will be furnished to any consumer reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/XXXX I made a payment of {$4400.00} on my Capital1 credit card. It should have almost paid off the account in full. Due to an accounting error, I was short less than {$10.00} which I planned to pay right away. On XX/XX/XXXX, Capital1 attached interest charges of {$34.00} and {$62.00} = {$96.00}. I called them on XX/XX/XXXX to get it removed. They are claiming that because the account was not paid in full, they can charge a full month of interest on the entire balance, and that they will do so for 2 full billing cycles, which I assume will be an additional 2 months. I informed them of my intention to file a complaint. They refused my request so I hung up. Upon ending the phone call, I made a payment of {$110.00}, which included the interest I was charged, as well as the interest that they say has accrued since XXXX in order to ensure that my balance was paid completely in full. This was the maximum amount the app allowed me to pay. I have been a Capital1 card holder for well over 10 years. I never miss a payment. Capital1 is the single highest interest rate card that I have. They have refused to ever drop the interest rate or reward me for loyalty in any way. They have been completely uncooperative in any remedy during difficult financial times. Now that I was finally in a position to pay this card in full so that I can get out from underneath this burden, I am being further harassed and penalized for the effort. Capital1 is the most corrupt creditor that I have ever worked with.

Company response to consumer: Closed with explanation