vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BILL.COM, LLC
State: MI

Complaint narrative:
I am the victim of a crime and as a result, am working with law enforcement to resolve it. Unfortunately, that means I can not pay my XXXX loans. When I told them I need a temporary pause to fix my bank account and finances, they refused to pause and said that I had signed something that I would make payments no matter what. That seems incredibly unethical to me in spite of not only being a crime victim, but financial hardship. this isn't the first time I've had problems with them ; when I've needed access to my money, they've made it impossible to access my account due to technical issues, but continued to take payments no matter what. Last night in a chat I spent hours trying to resolve it and eventually had to demand that it be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
On XX/XX/year>, I made a {$420.00} debit card purchase from a temporary vendor operating out of a XXXX in a shopping center parking lot in XXXX which is in XXXX, Colorado. Within approximately XXXX hour, I returned all items fully intact, unopened, and still frozen. The merchant informed me that the transaction was still pending and would be canceled. Despite this, the transaction later posted to my Wise account and no refund was issued. When I returned to the location the following day, the vendor was no longer present. The transaction was later identified as being processed by XXXX XXXX XXXX, but the merchant appears to be a mobile operation with no reliable contact information. I disputed the transaction with Wise and explained that this was not buyers remorse, but a case of misrepresentation because I returned the goods promptly and was told the charge would be canceled. Wise acknowledged these facts during their complaint review but denied the dispute based on XXXX XXXX restrictions related to food transactions and Section 5.10 of their Cardholder Agreement. I believe Wise did not reasonably handle this dispute given the circumstances involving an untraceable merchant and misleading representations made during the return process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT XXXX Is trying to collect a debt of {$2700.00} of which I have no idea or I never received documentation signed that I own this amount. This debt does not belong to me. I did not agree to take upon this debt. After reviewing my records and credit reports, I believe this account contains inaccurate, incomplete, misleading, and/or unverifiable information. Pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I request that you conduct a full investigation into this matter and provide proper validation of the alleged debt. Complete validation of the debt, including original signed agreement or contract. Opened XX/XX/year> which I dont have a personal record that indicates this is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Everyone I try and pay my bills. It gives me a error message. Says wrong user name, or password. Makes me rest my info all the time. It done this for a while. I made know to customer service rep So I am unable to pay my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I have called the Department of Education numerous times over the last year. I have so much inaccurate information on my student loans. I consolidated my student loans a few years ago. I'm currently in PSLF. I never received a one time account adjustment that was given out a few years ago. Then prior to my consolidation dates from XX/XX/XXXX thru XX/XX/XXXX showed forbearance/deferment. Then after consolidation someone messed up because not it shows not classified. I have sent in several reconsideration requests through student aid.gov and finally I got a response back saying that during the time of XX/XX/XXXX thru XX/XX/XXXX it is an error and my loan servicer who is XXXX needs to fix this time period since they are reporting inaccurate info. I tried calling XXXX and nothing. I submitted a buyback request way over a year ago as well. I should be able to buy back months that were in deferment/forbearance and I have heard absolutely nothing. Instead my loans continue to gain so much interest. I should definitely be at the 120 payment mark which would give me loan forgiveness through my PSLF since I have had way over 10 years of qualifying employment which over 10 years have been certified. Even during the months of XX/XX/XXXX thru XX/XX/XXXX which my employer certified.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I recently received an alert from XXXX XXXX notifying me that I had been added as an authorized user on a Citibank credit card account. I did not open this account, did not consent to being added as an authorized user, and have no knowledge of who the primary cardholder is. The account was originally opened in XXXX and currently carries a balance of {$120.00}. I am not a Citi customer and do not have my own Citi account. When I attempted to contact Citibank to report this and have myself removed, I was unable to reach anyone who could help me. Every representative I spoke with redirected me to an online sign-in portal, which I can not access because I am not the primary cardholder. Despite being transferred multiple times and calling multiple numbers ( including the fraud and identity theft number online ), I was never connected to anyone in the fraud or identity theft department who could assist me without requiring account login credentials I do not have. I was directed to the same online portal with every phone number. Citibank 's customer service system made it completely impossible for a non-customer who is a victim of unauthorized account access to report the issue or seek resolution. I should not be required to have an existing Citi account in order to report that I was added to someone else 's account without my consent. I have since filed a dispute through XXXX XXXX to have this account removed from my credit report. I am filing this complaint to create a formal record of both the unauthorized addition to this account and Citibank 's failure to provide any accessible means of resolution for someone in my situation. I am requesting that Citibank remove me as an authorized user from this account immediately and investigate how my personal information was used to add me without my consent.

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 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
XXXX payroll records now reflect the underlying XXXX debt balance as paid in full, with an unpaid debt balance of {$0.00}. Despite this, XXXX XXXX XXXX On behalf of AAFES continues attempting to collect XXXX of dollars in additional amounts that have not been clearly reconciled or validated. I have not received a complete accounting showing what portion of the remaining balance represents principal, interest, collection fees, or other charges. Because the underlying debt reflected through XXXX offsets now appears satisfied, I am requesting immediate suspension of additional interest accrual and collection activity until a complete reconciliation is provided. Additionally, the accounting records provided by the XXXX and XXXX XXXX XXXX reflect multiple interest charges that are not clearly explained or reconciled. The ledger shows repeated interest entries across several periods, including multiple interest-related entries occurring within the same month, without sufficient explanation of the billing periods, calculations, or how those charges were applied in relation to ongoing XXXX payroll offsets and payments. For example, the records reflect repeated interest activity during XX/XX/year> and other periods in a manner that is difficult to reconcile against the actual declining principal balance and payments already collected. The accounting provided does not clearly distinguish principal, accrued interest, collection fees, or how each payment was allocated. Because of these inconsistencies, I believe the accounting and balance reporting are inaccurate, misleading, or incomplete, and I am requesting a full reconciliation of the account before any additional collection activity or interest accrual continues. The continued accrual of interest and fees while the debt accounting remains unresolved creates substantial confusion regarding the true amount allegedly owed.

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 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
In 2022, I properly canceled my gym membership due to XXXX XXXX. At the time of cancellation, I provided a copy of my XXXX XXXX as required under the Servicemembers Civil Relief Act ( SCRA ) and the gyms cancellation policy for XXXX XXXX personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I disputed a medical collection account being reported by KLS Financial Services associated with XXXX XXXX in the amount of approximately {$1600.00}. I requested validation and supporting documentation for this alleged debt, including itemized billing records, documentation showing I am legally responsible for the debt, and proof that KLS Financial Services has authority to collect the account. Despite my disputes and requests for validation, KLS Financial Services continues reporting and verifying the account with the credit reporting agencies without providing adequate supporting documentation to me. The account continues to update on my credit reports following repeated disputes, and the reporting contains ongoing dispute remarks stating consumer disagrees. However, I have not received sufficient documentation supporting the balance or the collection activity. I believe the account is being reported and collected without proper verification or reasonable investigation. I am requesting a proper investigation and supporting documentation for this account, or deletion of the account from my credit reports if it can not be fully and accurately verified.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NV

Complaint narrative:
I was shopping between two different lenders and charged for two appraisals related to the same VA home loan transaction, despite being advised there would only be one appraisal fee. A VA appraisal had already been completed through the builder/lender process with XXXX on XX/XX/XXXX. Before the second appraisal was completed, the second appraiser contacted the XXXX sales consultant on XX/XX/XXXX regarding access and scheduling. The sales consultant informed the appraiser that the VA appraisal had already been completed and that a second appraisal was not needed. I have documentation/email correspondence confirming this communication occurred before the second appraisal proceeded. Despite this notice, the second appraisal was still completed on XX/XX/XXXX and I was charged a second appraisal fee by Sun West Mortgage. Prior to payment, I was also reassured by a representative that there would only be one appraisal fee associated with this transaction. I attempted to resolve this matter directly but was informed both appraisals should be paid, even though the second appraisal appears to have been unnecessary and completed after prior notice that an appraisal already existed. I am requesting reimbursement for the duplicate appraisal fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
cash app closing my account sending me a notice saying they were closing my account due to fraudulent activities never explaining what those activities was never actually asking me was I victim of fraud or having someone contact me about the account just closing it and accusing me of misconduct with the app I received emails but did not really get a proper response and they told me up on closing I could get the remaining balance that was on cash app but they only allowed me to send the remaining balance to a account that was on file so I just clicked one of the buttons and never received the money and was unable to use my XXXX cash app card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX I had a positive balance in my XXXX account. Skrill was referred to me by a friend that I would frequently do online gaming with and play casino apps that their person unauthorized my cellular device and my XXXX account into their personal XXXX account and that exact moment I notify XXXX to let them know the transaction was not accurate and I wanted to refund screwed, then froze me and said persons account I did security measures and regain access to my account. Skrill opened up an investigation about the transaction which was {$120.00}. The investigation concluded with my dispute being denied, and they also recommended that I reached out to the person telling them to log into their Skrill account and just to resend me the money back but later and time communication with that person reveals XXXX has not let them regain access to their account XXXX has completely dismissed, ignored and avoided me and that person so they can not get back into the account after its been frozen since XXXX Ive made several attempts to resolve this issue with the person next to me and us contacting XXXX and XXXX never gets back with us. They never say a word except theyll call us back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am disputing Bank of Americas handling of unauthorized ATM withdrawals from my account totaling approximately {$11000.00}. These withdrawals occurred over multiple dates between XX/XX/XXXX and XX/XX/XXXX at ATM locations that I did not authorize. The transactions included repeated cash withdrawals in varying amounts, including large withdrawals that were inconsistent with my normal banking activity. Despite this suspicious pattern, the bank allowed the transactions to continue over an extended period of time. After discovering the unauthorized activity, I reported the fraud to Bank of America and submitted a police report with the XXXX Police Department. The report was accepted and assigned a case number. Bank of America denied my fraud claim, stating that the transactions were completed using my debit card and PIN and that the claim was reported outside the 60-day period referenced in the account agreement. However, the use of a PIN does not prove that the transactions were authorized by me. I did not authorize these withdrawals, did not knowingly provide permission for these transactions, and believe my account information and/or card access was compromised. I am concerned that the bank failed to properly investigate the unauthorized transactions and failed to implement reasonable fraud detection measures despite repeated ATM withdrawals occurring over time. I also requested that the bank review ATM records, transaction data, and any available surveillance footage related to these withdrawals. I am requesting : * A full reinvestigation of the disputed withdrawals * Copies of the investigation findings and supporting evidence used to deny the claim * Preservation and review of ATM surveillance footage and transaction records * Reimbursement for unauthorized withdrawals to the extent required under applicable consumer protection laws and banking regulations I have maintained documentation of the disputed transactions, the police report, and correspondence related to the claim.

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 2026-05-07 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX a fraudulent charges were made on my PayPal account. PayPal FLAGGED them as these charges were at XXXX and made for tickets to XXXX XXXX and XXXX XXXX in XXXX XXXX . I have not only not been to this part of the world but my was extremely pregnant and due in less then 2 weeks so this would make no sense for me to fly from Minnesota to the XXXX XXXX. I reported a fraudulent transaction through PayPal. PayPal confirmed the transaction was made using a different name, different email, and an IP address located in XXXX. I did not authorize this purchase and did not receive any goods or services. The original payment was charged to my XXXX card which was able to work with XXXX and not be charged with. PayPal denied my fraud claim multiple times and now PayPal has still not removed this fraud case that I opened with them after months. I reported a fraudulent transaction through PayPal. PayPal confirmed the transaction was made using a different name, different email, and an IP address located in XXXX. I did not authorize this purchase and did not receive any goods or services. I have now gone through the process 5-6 times with PayPal and they acknowledge these facts indicate that I did not make these purchases yet they side with trying to make me these payments. Currently they have been reviewing the charge for {$280.00} for over a month now and will not close the case. Yet they admitted that the {$310.00} that was also done that day was fraud. Since they won't close this case I am stuck with not being able to close my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App doesnt do business properly no way to talk to someone human to settle issues

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
Since graduating college in XXXX, I've had many unstable job positions. But during everything, I've been able to pay my monthly loans. However, I was recently let go in XXXX and took on a part time job which cut my income in half. I reached out to Sallie Mae to let them know what happened and how this would affect my loans. I asked for a temporary pause so I can get myself together. I can't afford my basic needs because I spend it all paying my loans for a college degree I got and I'm not even working in the field or a full time job. The part time job ended now XXXX and I'm expected to pay double the amount that I was already struggling to pay. It sucks because I have a co-signer but they can't even help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank advertised a {$400.00} opening bonus for a small business account with the following terms : Offer Eligibility : You must be a new Truist business checking client. To be considered a new business checking client, the business can not have an existing Truist business checking account or have closed a business checking account with Truist within 365 days prior to the promotion start date ( on or after XX/XX/XXXX ), with the same Taxpayer Identification Number ( TIN ), including but not limited to an Employer Identification Number ( EIN ). I last had a checking account with the company in XXXX, going into a branch to withdraw the account to XXXX and close the account. Truist is now telling me the bonus is limited to one per EIN / Lifetime, despite advertising 365 days. A phone call to the reward department referenced in their email was unsuccessful and instead transferred me to other departments who said " This is the wrong department ''

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