vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Formal Dispute of Alleged Contract Dear [ Recipients Name ], I am writing to formally dispute the validity and enforceability of the contract dated which has been presented as a binding agreement between myself and XXXX After reviewing the document, I assert that the contract is not legitimate and does not reflect any agreement I knowingly entered into. Specifically : My signature appears to have been forged And I was never presented with this agreement. . You must provide proof that I signed this contract with my own hand. Furthermore, the signature on the contract must match the signature that appears on my ID, as this alleged contract between third parties and XXXX never actually took place ; it has been forged, and my documents have been used without my permission. I require you to send a debt validation statement that displays my signature exactly as it appears on my ID. As such, I reject any claims or obligations stemming from this document and request that you cease all attempts to enforce it. If necessary, I am prepared to pursue legal remedies, including contacting relevant authorities and pursuing a civil claim, to protect my rights. I expect written confirmation that this matter is being reviewed and that no further action will be taken to enforce the disputed contract. Sincerely, XXXX 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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent approximately {$2900.00} in cash through MoneyGram for an international money transfer. I was given a reference number at the time of the transaction. After sending the money, I checked the status of the transfer and contacted MoneyGram because the recipient did not receive the funds. MoneyGram informed me that they could not locate the transaction in their system using the reference number I provided. I requested assistance multiple times, including confirmation of whether the transfer was processed, received, or canceled, and asked for a resolution or refund. However, I only received generic responses and no clear explanation or status update regarding my funds. The company has not been able to locate or verify my transaction, and my funds remain unaccounted for. I am requesting a full investigation and immediate resolution, including either locating the transfer or issuing a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
My checking account has been restricted for over 60 days due to an alleged fraud investigation related to a direct deposit. I first noticed the issue when my account was blocked and I could not access my funds. I contacted the bank multiple times by phone and visited a branch in person, but I was not given a clear explanation or resolution. I was told the account is under investigation, but no timeframe or details were provided. I attempted to submit a written request at the branch to close my account, but it was refused. I was also told to call customer service again, and I was sent back and forth without any resolution. My remaining balance of {$170.00} is being held, and I have also been charged a maintenance fee while the account has been restricted and unusable. I am requesting the immediate closure of my account, the return of my funds, and a refund of any fees charged during the restriction period.

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 2026-04-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hotel security deposit ( {$300.00} ) was released over a month ago, and money still has not been made available to me. XXXX customer service representatives have told me that I just have to wait and that there is nothing that they can do to make the money available, even though the hotel confirmed that the funds were realeased over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Service Bureau, Inc.
State: MO

Complaint narrative:
Midwest Service Bureau ( debt collector ) is calling daily with an outstanding bill from XXXX from XXXX XXXX. {$400.00}. Ive never heard of either company and have never received a bill before. Suddenly, Im getting texts from XXXX XXXX with a link saying I have a new bill. From XXXX. They refuse to send me any proof. I have excellent credit and pay all my bills. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied to the CitiBank XXXX card back in XX/XX/XXXX through a XXXX XXXX XXXX As soon as I received the card I called to activate it and then tried to do a balance transfer to payoff a credit card with XXXX XXXX. I noticed a few days later that the transfer wasn't made so when I called they told me my account was flagged for suspicious activity and that I had to wait for a letter. I waited for the letter that was mailed on XX/XX/XXXX and that I received on XX/XX/XXXX and when I received the letter it didn't have a reference number so when I called CitiBank they told me I had to wait for another letter with a reference number. This new letter was mailed on XX/XX/XXXX and received on XX/XX/XXXX but In the meantime I tried to do a phone verification twice but couldn't make it. Now they are saying that the letters that were mailed to me were wrong and that I have to wait 7-10 days for a new letter. This is what the supervisor told me. I had to keep making payments on my previous card costing me around {$1000.00} already because I haven't been able to make the balance transfer. I think they are abusing me and discriminating me for being XXXX and a female. I have good credit and if they look at the payment history of a jointly card with my husband that I have with them they could see that card it's been always paid on time.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/year>, an unauthorized electronic fund transfer ( EFT ) of {$1100.00} was initiated from my digital wallet to a third-party recipient ( XXXX ). This was not a voluntary payment but an unauthorized transfer resulting from a sophisticated phishing attack. I was targeted via a spoofed XXXX " verification '' website which intercepted my login session and a one-time security code. This unauthorized access was used to trigger a " XXXX XXXX XXXX '' payment. Notably, the transaction was pulled from a linked bank account that has been closed for years. Despite this obvious red flag and the account 's " zombie '' status, the service provider permitted the transfer to proceed. Actions Taken : Immediate Reporting : I notified the company of the unauthorized activity within 24 hours of the incident. Law Enforcement Filing : I filed a formal report with the FBIs Internet Crime Complaint Center ( IC3 Submission ID : XXXX ). Bank Notification : I have confirmed with the originating bank that the account is closed and the funds will be rejected. Company Failure & Regulatory Violation : Since the incident, I have contacted the company 's Dispute Center multiple times to appeal the initial automated rejection. I provided the formal IC3 report, but was told the case was closed because XXXX XXXX XXXXXXXX ' transactions have no protection. I was then directed to the Collections Department, where I again attempted to report the unauthorized activity and the fact that the funding source was a closed bank account. In both instances, the agents refused to escalate the case to a human fraud investigator or acknowledge the company 's obligations under Regulation E. I have made a good-faith effort to resolve this through all available internal channels before seeking assistance from the CFPB. The company has denied my claim and moved the fraudulent balance to their collections department. They have repeatedly stated that " XXXX XXXX XXXX '' transactions have " no protection. '' This is a violation of Regulation E ( 12 CFR 1005.6 ), which provides mandatory protections for unauthorized electronic fund transfers regardless of the payment type. The company has refused to conduct a proper investigation or acknowledge the federal liability limits for unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NV

Complaint narrative:
Over XXXX $ was taken out of my account due to fees .once I asked about why the money was taken my account was closed shortly there after

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
The Issue : Improper debt collection and failure to process a contractually mandated insurance claim ( XXXX XXXX XXXX ). Description : I am a former account holder of a credit union ( Original Creditor ) where I was enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX '' ( Plan # XXXX ) covering life, disability, and involuntary unemployment, effective XX/XX/XXXX. In XXXX, I experienced a qualifying hardship ( involuntary unemployment/disability ) while this coverage was active. The Original Creditor has admitted in writing ( Ref :! XXXX ) that my coverage was active until XX/XX/XXXX, which encompasses the date of my hardship. Despite this, the Original Creditor failed to initiate the claim process and instead charged off and sold the debt to a third-party debt buyer. I am now being sued by a law firm representing the debt buyer in XXXX XXXX XXXX XXXX. I have attempted to resolve this through the Original Creditors Executive Correspondence office, but they have placed me in a " circular loop '' : they direct me to the insurer, while the insurer states the Original Creditor must verify the eligibility period and initiate the claim as the policyholder. On XX/XX/XXXX, I served a formal Demand and Cease & Desist via certified mail ( XXXX XXXX XXXX ) to the legal firm representing the debt buyer, notifying them of the insurance dispute. They have failed to respond and continue to pursue legal action for a debt that should have been satisfied by the insurance policy I paid for. Requested Resolution : Immediate stay of all legal proceedings by the debt buyer and their legal counsel. The Original Creditor must fulfill its obligation to initiate and process the claim with the plan administrator for the XXXX coverage period. Correction of credit reporting to reflect the disputed status and insurance coverage.

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 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I contacted Hunter Warfield to discuss an alleged debt. I informed the representative that the debt is past the Florida XXXX XXXX XXXX ( Section XXXX ) and is legally uncollectible. I attempted to negotiate a good-faith payment arrangement but the representative, XXXX, continued to ask for my credit card number to pay either the full amount or XXXX payments for the full amount. I asked if we could do a payment arrangement, but the representative refused to accept a reasonable amount. I asked if we entered into some kind of arrangement with them if they could provide an email explaining the arrangement and the representative refused to provide any written evidence or confirmation of the offered arrangement, instead demanding immediate payment. I believe this is a deceptive tactic to trick me into making a partial payment, which under Florida law could 'revive ' a time-barred debt and restart the statute of limitations clock. Furthermore, Hunter Warfield has failed to provide a XXXX XXXX Notice within XXXX days of our initial communication as required by the FDCPA. Their refusal to provide written documentation prevents me from resolving this matter responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XXXX XXXX messed up my escrow account. When I bought my house in XXXX, the property insurance was included in my escrow account payment. Because the previous owner had a very low rate because it did not escalate - my property tax payment was much higher and paid through a supplemental bill. I acknowledged to XXXX XXXX in writing that I understood I needed to pay the supplemental bill but wanted the amount included in my escrow calculation for further payments. They said they could not do that, and sent me a refund for the amount I overpaid and used the lower calculation moving forward. When they received the tax bill for XXXX, the rate was for the original calculation and my escrow account was short of funds- requiring an increased amount for my payment to make up for the difference. A mistake caused by them. I was able to get a better and lower-cost homeowners policy. I had it set up to pay directly from my account rather than escrow, since I knew there weren't enough funds to cover both property tax and insurance. A representative on the phone agreed that this was going to be the process moving forward. However, some internal system made the payment to insurance from escrow. A payment was also made to taxes, making my escrow account severely underfunded. I called to correct the problem, and was told the payment to insurance would be rescinded. I let my insurance carrier know they had sent the payment in error. I have made repeated calls, and have been told a manager would call to correct the problem. I have not received a call. Payments were made on my behalf to both insurance and property tax, resulting in a negative amount in my escrow account. My attempts to fix the situation has resulted in me being told I must pay the negative amount before they can fix it. I expect a credit back to my escrow account of XXXX. They should handle getting the mistaken payment back from XXXX XXXX XXXX. NOTE - I am worried that their incompetence may result in a cancellation from my insurance carrier. I hope that doesn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
b'5/3 Bank Mortgage XXXX XXXX received my annual Mortgage Escrow statement for XXXX dated XXXX in XXXX XXXX from Fifth Third (5/3) Bank. I have had this mortgage since XXXX XXXX XXXX Originally with MB Financial ).\nThis projection reflects the need to INCREASE my monthly payment by almost $XXXX.--\ndue to an additional projection of $XXXX added to my taxes of already projected $XXXX. \nI am a XXXX XXXX and receive XXXX and on a fixed income-- I cannot afford to pay this---especially without a reason for the projecion !\nI have contacted the Escrow Dept numerous times and sent copies of a clear and up to date tax statement and thier own last yrs escrow statement and monthly statements --- reflecting NO issues. \nBelow is a copy of the last email (A) that I sent since they are in some sort of internal updating transition and said nothing is on file about thie info I sent them. I cc\'d the VP of Escrow and Sr. VP of Ops. Then I get word they have and working on it XXXX XXXX XXXX XXXX XXXX XXXXThanks for the info but I have been working on this problem since XXXX and sent this particular email originally on XXXX XXXXThe escrow people recently said it was not on file thus prolonging the resolution even further .\n \nSpeaking with the escrow department, calling "offshore" and "on shore" personnel explaining, questioning and sending info, is harrowing and frustrating to say the least. Never do I speak with the same person twice!\n\nMy XXXX payment is overdue --- AS NEVER BEFORE.\nI need this to be resolved ASAP and correct an obvious error of adding an additional $XXXX PROJECTED tax to my $XXXX yearly tax bill\n( I receive XXXX ).\n\nI CANNOT AFFORD an ADDITIONAL $XXXX MONTHLY on my payment at XXXX old with a fixed income.\n\nB---XXXXSystem Upgrade Temporary Service Delay \n\nThank you for contacting us. Were currently completing a system upgrade to enhance your online mortgage experience. \n\nBetween now and XXXX XXXX some requests will be delayed. Your request has been received and will be completed once the upgrade is finished.\n\nWe appreciate your patience and value your business.\n\n\nPlease help me to contact them and speak with someone who can correct the obvios errorXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXThis e-mail transmission contains information that is confidential and may be privileged. It is intended only for the addressee(s) named above. If you receive this e-mail in error, please do not read, copy or disseminate it in any manner. If you are not the intended recipient, any disclosure, copying, distribution or use of the contents of this information is prohibited. Please reply to the message immediately by informing the sender that the message was misdirected. After replying, please erase it from your computer system. Your assistance in correcting this error is appreciated.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Full reversal of {$1400.00} in fees and interest ( XXXX returned payment fees, XXXX late fees, XXXX interest charges ) charged since XX/XX/year> due to Robinhood XXXX payment processing failures. Investigation into XXXX payments ( {$6000.00} and {$5000.00} ) attempted XXXX XXXX that initially processed, reduced balance to ~ {$700.00}, then were reversed and disappeared. Removal of all derogatory credit bureau marks. Direct contact from a senior representative. Have been trying to reach Robinhood since XX/XX/year> with no meaningful response only a {$10.00} goodwill credit in XXXX while fees continued accumulating. I have tried reaching customer service via the app with no phone number to call. I have text the XXXX assistance number several times from XXXX XXXX only to never get a response from anyone, just an automated " contact us via the app '' which is not a possibility. I have sent several emails to their fraud department explaining the situation and asking for someone to contact me to only receive an automated response or a response it's being forwarded only to not ever hear back. I have received late payment notification texts that upon me responding asking to please have information on how to reach customer service and got a response to reach out to the support channel through Robinhood Banking mobile app. I have reached out via email or text to try to make payments on my credit card at a minimum of XXXX separate times since XX/XX/year> and still have not been able to reach a single person or get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian has been charging my banking account for the past 5 months without me giving them a credit card number or any authorization. Even when my account is a free account. They have somehow just started charging my banking without my permission or knowledge.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX deposited a check in the amount of {$6800.00} issued by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL ). The check cleared on XX/XX/year>. Despite confirmation that the funds have cleared, JPMorgan Chase Bank continues to restrict access to these funds more than 90 days later. Multiple attempts to resolve this issue through local branch visits and customer service have failed. No valid explanation or legal basis for the continued restriction has been provided. This appears to be an unreasonable and potentially unlawful withholding of cleared funds. I am requesting immediate release of the funds and a written explanation for the extended restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year> I filed a second dispute with cash app totaling XXXX dollars. I checked my disputes status today on the mobile app and I saw where they denied me. I filed a previous dispute with supporting documentation through email and they denied that one as well, which totaled over XXXX dollars. Today, I called and spoke to a male representative to ask why they denied the second claim. He hung up on me. I know because the survey option came up and I gave my survey responses, the call disconnected. I am not happy with this. my cashtag I tell them is $ terryjautry and they still deny my claims

Company response to consumer: Closed with explanation