vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I enrolled in a XXXX Buy Now, Pay Later ( Pay in XXXX / Pay Monthly ) promotion that advertised 20 % cashback on XXXX eligible purchase up to {$1200.00} during a stated Special Offer Period beginning XX/XX/year>. The offer was activated in my account prior to purchase and did not disclose that earning a prior 5 % reward would permanently disqualify eligibility for the later 20 % promotion. 
On XX/XX/year>, before the 20 % Special Offer Period began, I completed a XXXX in XXXX purchase for {$810.00} and earned XXXX rewards points, which equals 5 % cashback. No transaction on my account ever earned or paid out at 20 %. 
On XX/XX/year>, after activating the 20 % offer and after receiving verbal confirmation from XXXX support that the purchase would qualify, I completed a Pay Monthly purchase for {$1200.00}. No 20 % reward posted or appeared as pending. 
Subsequently, XXXX representatives provided conflicting explanations. Some stated I had already received the 20 % reward on the XX/XX/XXXX transaction, despite the math reflecting only 5 %. Others later stated that although I never earned 20 % on any transaction, the earlier 5 % reward was being retroactively treated as my single eligible reward under the 20 % promotion, based on updated terms applied on XX/XX/XXXX, the same day as the purchase. 
XXXX has since confirmed in writing that no transaction earned 20 %, but maintains that the earlier 5 % reward exhausted eligibility for the later 20 % offer. This interpretation was not clearly disclosed in the written offer terms at the time of activation or purchase and was applied after reliance and purchase. I am disputing the retroactive application and the lack of clear disclosure, not PayPals general ability to change terms prospectively As a result of the unclear and retroactively applied promotion terms, I made a {$1200.00} Buy Now, Pay Later purchase in reliance on a 20 % cashback offer that was never honored. I incurred a financial obligation under a Pay Monthly loan without receiving the advertised incentive, and I spent significant time attempting to resolve conflicting explanations from customer support. The promotions administration created financial confusion, reliance-based harm, and diminished trust in the accuracy of Buy Now, Pay Later reward disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: PA

Complaint narrative:
I am resubmitting my complaint regarding Zions Debt Holdings and their continued failure to properly validate an alleged debt they claim to have purchased from XXXX XXXX 

Although they responded to my previous CFPB complaint stating they have already validated the debt and are offering a settlement for {$900.00}, this response completely ignores the core issues I raised : The original XXXX balance was approximately {$480.00}, yet Zions is reporting a balance of {$1500.00} without providing any itemized breakdown, explanation for the inflated amount, or authentic contract extension.

The documents they provided show a billing history dated XX/XX/XXXX, XXXXnearly three years after the account was charged off, which raises serious concerns about fabrication or retroactive document creation. 
Zions so-called proof of purchase from XXXX does not show a balance, a paid status, or any concrete evidence of the account terms. The account numbers are inconsistent, and they provided no signed agreement to support the 48-month contract extension they claim.

Despite all of this, Zions continues to state that the debt is validated without responding to or addressing these inconsistencies. The response they gave to the CFPB complaint was generic and dismissive, failing to answer the specific concerns about documentation inconsistencies and inflated amounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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 explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I am filing this complaint regarding my XXXX XXXX  credit card, which is serviced by XXXX XXXX 

I was charged fees that I believe are unfair and should be reversed. I contacted XXXX multiple times to resolve this issue, but despite my good-faith efforts, XXXX refused XXXX correct the charges or provide a reasonable resolution. 

I am a customer of Zales, and this credit card was issued as part of my purchase relationship with that retailer. XXXX refusal to address this matter has caused unnecessary financial stress and has negatively impacted my trust in both XXXX and Zales. 

I am requesting the following resolution : Reversal of the disputed fees Confirmation that no negative reporting has occurred ( or correction if it has ) Written confirmation that my account is in good standing I am asking the CFPB to assist in obtaining a fair resolution, as XXXX has failed to do so directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo Bank , N.A . 
Dispute Number : XXXX Date of transaction : XX/XX/year> Amount disputed : {$320.00} Card type : Visa Account : Wells Fargo credit card I disputed a credit card charge where the merchant charged more than the amount authorized in writing. The merchant retroactively recalculated a car rental using a weekly rate, which was not disclosed in the rental receipt or agreement. 

The receipt states that rate increases apply only if the vehicle is returned more than XXXX hours early or late. I returned the vehicle approximately XXXX hours late. 

Wells Fargo declined to continue the dispute and instructed me to contact the merchant directly, despite the charge exceeding the authorized amount and lacking written disclosure. 

I am requesting that Wells Fargo properly investigate this billing dispute under the Fair Credit Billing Act.

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 2026-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: OH

Complaint narrative:
XXXX, XXXX, the relationship with XXXX XXXX XXXX was TERMINATED by my XXXX  Multiple request to see total billing for the services was requested and XXXX 's failed to provide a full accounting including the amount paid by my XXXX 

XXXX XXXX XXXX has failed to provide sufficient billing evidence where the court ordered XX/XX/XXXX split of costs with XXXX and in addition to this, this relationship was terminated in XXXX, XXXX by my XXXX 

XXXX XXXX XXXX continued to perform UNAUTHORIZED billing without my knowledge and without my consent and submitted the outstanding balance to Recovery One LLC and attempted to impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
b'i have sent XXXX  different letters to navy federal about this credit card dispute with no response,and i started on nov XXXX XXXX XXXX ctracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my second letter was sent on XXXX XXXX  and XXXX  and final letter was on XXXX XXXX will attached all letters and documents from me and navy federal below for your viewing. only thing that sent was statements which is not what i requested'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I have a debt that originated from Uplift that shows up on my credit report now as {$440.00} from XXXX XXXX. I have spoken with many parties from both companies ' multiple times but am not getting this issue resolved. When I spoke to Uplift, they verified the debt shows up as someone other than my name. I have tried over XXXX times to get this issue resolved and am not getting any assistance. I then contacted them and they reported there is nothing they can do because they already sent it over to the collection 's agency. I now have tried to close this account with XXXX XXXX and within doing so I had a woman who asked for a small amount of money to purchase my full credit report. I paid the few dollars to which she explained my credit report is plummeting from inaccurate information. I was told that they were only going to remove the things that are inaccurate on my credit report such as spelling of my name, false addresses, inaccurate standings of payments, etc., if I paid them for a membership fee around {$500.00}. She was very persuasive, and I was under the impression that was my only way to remove my debt from now both Uplift, and XXXX XXXX which is a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
A XXXX  account was fraudulently created using my name and email address. I did not open or access this account and did not verify the email. XXXX  is refusing to close the fraudulent account unless I upload my drivers license, which is inappropriate and increases my risk as an identity theft victim. I am requesting closure of the fraudulent account, removal of my email, and written confirmation of no liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XX/XX/year>, my bank ( The Huntington National Bank ) charged me XXXX separate international transaction fees totaling approximately 10 % of my underlying purchases. At the time of the transactions, there was no disclosure from the merchant or from XXXX that the transactions would be treated as international or that international fees would be charged. The transactions appeared domestic and were not in foreign currency. I did not consent to or even have the ability to know that these transactions would be routed internationally. 

After noticing the fees, I contacted the bank and asked for clarification including ( XXXX ) when and how these fees were disclosed to me, ( XXXX ) what made the transactions international, ( XXXX ) why the fees totaled around 10 % when disclosures referenced 3 %, and ( XXXX ) any documentation supporting their classification. The bank responded in writing stating that the merchant routed the payment internationally and that a 3 % international transaction fee was disclosed in the account documentation. When I pressed for further explanation and documentation, I was told the review was closed, refused further discussion, and that nothing would be refunded. No documentation demonstrating where or how the transactions were routed internationally was provided. 

I am disputing these fees because there was no meaningful disclosure at the time of purchase, no on-screen notice, no authentication or confirmation, and no way for me to know a domestic online purchase would be treated as international. As a result, I could not make an informed decision at the time of the transaction. The bank refuses to further explain the discrepancy between the disclosed 3 % fee and the ~10 % charged and refuses to answer basic questions or provide supporting evidence. 

I am requesting that the CFPB assist in ( XXXX ) obtaining a full explanation and documentation of how these transactions were deemed international, ( XXXX ) clarification of fee calculations, ( XXXX ) identification of where and when these international fees were disclosed to the consumer, and ( XXXX ) refund of the fees if they were improperly or insufficiently disclosed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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:
Ordered items though Affirm website from XXXX the items were canceled. 
No money was deduct it from Affirm for payment. 
But Affirm is still charging me for the items that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I attempted to withdraw cash from a Bank of America ATM. The ATM did not dispense any cash, yet the withdrawal amount was immediately debited from my account. 

I contacted Bank of America the same day and a claim was opened. Since then, I have contacted customer service repeatedly over several days. Each time, different representatives told me that the money would be credited tomorrow or within XXXX hours. However, no credit has been issued, and these statements have proven to be false. 

Despite the clear nature of this ATM error, Bank of America has failed to issue a provisional credit and has provided inconsistent and misleading information, causing unnecessary delay and hardship. 

Financial harm caused Because Bank of America did not timely resolve this issue or issue provisional credit as required, I was unable to pay my insurance premium and mobile phone bill on time. As a result, I am now facing : Late fees Additional interest charges Risk of service interruption These damages are directly caused by the banks delay and repeated misrepresentations regarding the status of my claim. 
Why I am complaining Why I am complaining This situation appears to be a violation of Regulation E, which requires financial institutions to promptly investigate ATM errors and issue provisional credit within the required timeframe. The repeated assurances that the funds would be credited the next day, followed by inaction, constitute misleading and unfair treatment. 
Resolution I am seeking I am requesting : XXXX. Immediate reimbursement of the ATM withdrawal amount XXXX. Reimbursement of all late fees, interest charges, and related financial losses caused by this delay XXXX. A written explanation of why provisional credit was not issued and why I was repeatedly misinformed by customer service representatives

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 monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: MS

Complaint narrative:
I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by Conserve, related to an alleged educational debt from XXXX XXXX. 

On XX/XX/year>, I was contacted by the school ( XXXX XXXX ) requesting that I resolve an outstanding balance related to a withdrawal from the program. I responded the same day, in good faith, with the following message : Good Afternoon, Thank you for reaching out, I appreciate you contacting me regarding the balance associated with said withdrawal from the program. I would like to request balance transcripts and possible payment arrangements in order to work toward resolving this matter. Thank you for your understanding. 

Despite my prompt response and request to resolve the balance, the school never replied and instead referred or transferred the account to collections with Conserve. I was never given the opportunity to review the balance, receive transcripts, or establish payment arrangements as requested. 

After the account was placed with Conserve, I submitted a formal debt validation request. Conserve failed to provide proper verification, yet continues to report this account to XXXX, XXXX, and XXXX. 

Additionally : Conserve continues to send text messages stating that they have emailed me, however I am not receiving any emails Conserve has not confirmed whether they have the correct email address on file Conserve has not responded to inquiries seeking clarification or verification This conduct is misleading and improper. Reporting an educational debt that was : Not validated, Transferred to collections without giving the consumer an opportunity to resolve it, and Accompanied by inconsistent or false communication claims is inaccurate, unfair, and harmful. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide verification of a debt upon request before continuing collection activity. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), information reported must be accurate, verifiable, and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: WA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXXis 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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Caine & Weiner has been contacting me regarding an alleged debt that appears to originate from an insurance company, such as XXXX. I do not owe this debt, and I never authorized or entered into any agreement with Caine & Weiner or the original creditor for this account. 

Despite my lack of consent and proper authorization, Caine & Weiner has continued to contact me via phone calls, letters, and electronic communications in an attempt to collect this debt. These communications are improper and unauthorized, and constitute a violation of 15 U.S.C. 1692c, which prohibits debt collectors from communicating with a consumer at unusual times or places, or after being notified that the communication is disputed or unauthorized. 

I have not authorized these collection attempts, and the debt in question is either not mine, or has not been properly validated. The continued collection efforts have caused stress, inconvenience, and potential risk to my credit standing, and they violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I request that CFPB require Caine & Weiner to : Immediately cease all collection communications regarding this alleged debt. 

Provide written confirmation that all improper communications have stopped. 

Refrain from further contact unless and until lawful validation of the debt is provided. 

Ensure no adverse credit reporting occurs as a result of these improper collection efforts. 

Comply fully with 15 U.S.C. 1692c and all applicable federal consumer protection laws. 

This complaint is not resolved until all unauthorized communications have ceased and written confirmation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
Simmons bank advised me to fillout modification program app for my primary home mortgage for assistance

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 2026-01-08 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I made a claim with Wells Fargo requesting charges be dropped from the company Take XXXX XXXX as they have had multiple unauthorized charges on my account as well have failed to payout funds which is the entire reason the service was ever tried to begin with. This has had an absolutely devastating impact on my life and Wells Fargo has done nothing to provide information or side with me in any way.

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