vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$2100.00}. On XX/XX/XXXX, XXXX emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$2100.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: LA

Complaint narrative:
On XX/XX/2026, Procollect responded to a previous CFPB complaint and offered a settlement of {$2700.00} on an account balance of {$4200.00}. I contacted Procollect via email to negotiate a settlement. I offered {$2000.00} paid in two installments of {$800.00} and {$1200.00} by XX/XX/2026. The representative repeatedly responded with only denied, balance due in full. When I continued to negotiate in good faith, the representative told me to please stop sending repetitive emails. Additionally, XXXX XXXX prior CFPB response directed me to call XXXX ext XXXX, however when I contacted Procollect by phone, their representative informed me that all communications must be handled via email only, making it impossible to reach XXXX XXXX directly as instructed. I am actively trying to resolve this debt and have a housing deadline of XX/XX/2026. Procollect is refusing to honor their own previously offered settlement amount, blocking all reasonable communication channels, and their representative has been dismissive and unprofessional during the negotiation process. I just want this settled.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$630.00} ). On XX/XX/XXXX, XXXX emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$630.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: CO

Complaint narrative:
I am receiving harassing phone calls and text messages from a fraudulent company that uses spoofed phone numbers to harass and scare me into paying a debt that is not mine. I do not have cable service with XXXX XXXX XXXX present, or future. Ive never given consent to receive emails from this fraudulent company with my text rates and data applying.. I have never received any letter in the mail from this alleged collection company stating that Im being turned in to a debt collector and that it was pertaining to XXXX or XXXX. I feel they have violated any debt collector laws by continuous calling beyond XXXX days., using my text message data, and trying to get me to pay for a debt that clearly does not belong to me and most likely fraudulent, and an attempt to get more of my personal information. I feel monetary damages are in order from them .. and if any debt that does not belong to me. This alleged debt needs to be cleared immediately.. I have a great credit score and pay all my debts and this one is not mine nor do I believe it is legitimate. I was never signed up with XXXX XXXX I want these daily phone calls to stop.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am finding debt collections that were charged off and now collection agency is now reporting that I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB Complaint No Reg XXXX Investigation Conducted Within Required Timeframe & Misclassification of Fraud Summary : Wells Fargo did not conduct a Regulation XXXX investigation within the required timeframe after I reported fraud on XX/XX/year>. Instead of investigating, the bank prematurely classified the transaction as customer authorized, which directly contradicts the law enforcement report that identifies the incident as fraud. As of today, more than XXXX months have passed with no proper investigation. -- - XXXX. I Reported Fraud on XX/XX/year> I reported the fraud to Wells Fargo on XX/XX/year>, the same day the incident occurred. Under Regulation XXXX, the bank was required to : begin an investigation immediately, complete it within XXXX business days, or issue a provisional credit if more time was needed. Wells Fargo did none of these. -- - XXXX. Wells Fargo Did Not Conduct Any Investigation Within XXXX Days The bank did not : request evidence, review ATM records, contact me for clarification, review devicelevel data, review the withdrawal context, or follow any Reg XXXX procedures. No investigation occurred within the required XXXX period. -- - XXXX. Instead of Investigating, Wells Fargo Classified the Transaction as Customer Authorized On XX/XX/year>, Wells Fargo closed the case and labeled the transaction as customer authorized. This classification was made : without contacting me, without reviewing evidence, without interviewing the teller, without reviewing the withdrawal receipt, and without conducting any Reg XXXX analysis. This is a procedural violation. -- - XXXX. XXXX XXXX XXXX the XXXX as XXXX I reported the incident to law enforcement on the same night, and the sheriffs report classifies the event as fraud. XXXX XXXX customer authorized classification directly contradicts : the law enforcement report, the fraud case number, and the documented facts. The bank did not reconcile this contradiction in any determination. -- - XXXX. As of Today, Wells Fargo Still Has Not Conducted a Proper Investigation It has now been over XXXX days since the fraud report on XX/XX/year>, and Wells Fargo still has not : performed a Reg XXXX investigation, reviewed the evidence I provided, addressed the law enforcement classification, or corrected the premature customer authorized decision. This is a continuing violation of Regulation 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I Want To File The Dispute With Chime Because I Get Monies Considered as a Gift Etc From Friends And Family But When I Had Put Money Myself On My Chime Card They Labeled It As Suspicious Behavior Which It is Not At All But Thats What They Labeled it And Sent As A Warning That My Account With Chime Will Close XX/XX/year> Which inst Fair Some of Individuals That Can't Fully Understand XXXX Really Shouldn't Be Working Without Fully Understanding A problem of Why A Person Is Calling And There Completely Wrong And This Is very Upsetting To Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
At approximately XXXX XXXX on Tuesday, XX/XX/year>, at the XXXX, Indiana XXXX for Huntington Bank, I used the ATM to take a cash advance of {$30.00} from my XXXX credit card. The bank charged a {$4.00} fee, which I accepted, and I received XXXX {$5.00} dollar bills and XXXX {$20.00} bill. I then immediately deposited this {$30.00} into my Huntington checking account in the same visit. This was to cover an and overdraft that had a grace period but the money needed to be in my account by the end of business today, Tuesday, XX/XX/year>. I didn't know. Did you not request a receipt, but immediately checked my Huntington app, and the funds were not there! I called Huntington customer service when they opened at XXXX, and their only suggestion was to open a case which would not cover my overdraft. Huntington stole my last {$30.00} before payday. as well as my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a complaint regarding a sudden credit limit reduction on my credit card with Barclays. Over the past year, Barclays steadily increased my credit limit without me requesting those increases. I accepted and used the account responsibly. I have maintained a consistent history of on-time payments and have never been late on this account. Recently, after making a payment toward my balance, Barclays reduced my credit limit by {$1000.00}. This reduction significantly increased my credit utilization and negatively impacts my credit profile despite my responsible payment history. The timing of the reductionimmediately after a paymentwas particularly concerning. I am requesting : A review of the decision to reduce my credit limit An explanation for the reduction despite my on-time payment history Consideration of restoring my previous credit limit I have made consistent efforts to manage this account responsibly and would like this action reviewed.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to request validation of the account referenced above. I dispute the accuracy of the information currently being reported on my credit report. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am requesting verification of this debt and documentation supporting the reporting of this account. Please provide : A copy of the original signed agreement Documentation of the complete payment history The amount of the alleged debt and how it was calculated Verification that your institution has the authority to collect the debt Proof that the reporting to credit bureaus is accurate If you can not provide sufficient validation of this account, I request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Never received the steps of what was done to prove the debt is mines, no written consent or signature showing its mines, no XXXX, requesting the validation, include chain of ownership ( securization ), assignment of contract with wet signature. Under the FCRA XXXX U.S. XXXX require credit reporting to be fair, accurate and verified, XXXX make credit bureaus and furnishers liable for reporting false or unverifiable information. Western Funding Inc acct # XXXX {$9700.00}

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
{$1400.00} through Cash App sent to the wrong recipient on XX/XX/2026. I immediately notified the recipient and submitted a refund request, which was declined. The recipient has knowingly refused to return funds sent in error. I have opened a dispute with Cash App and have a pending legal claim to recover the funds. I am requesting assistance in ensuring the transaction and recipient account are properly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/year>, I received notification via email that an application for a savings account had been received to US Bank using my Social Security number. This was a fraudulent attempt and a hard inquiry was recorded on my credit. I reached out to US Bank to inform them the application was fraudulent. They then informed me that they will close the application but refuse to provide me any documentation of that happening. I asked for anything in writing to show that the matter was being handled in the account would not go further, but US Bank Associates are denying me any documentation and are informing me I am not privy to this.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
XX/XX/XXXX I purchased a car and made a deposit of {$2000.00}. I returned the car next day it was having issues and did not feel save. The merchant has an established return policy and wanted to over charge me. In an effort to get my correspinding refund, I submitted a dispute through my bank on XX/XX/XXXX. XX/XX/XXXX my bank answered that the dispute was resolved in the merchant favor and debited my account XX/XX/XXXX. XX/XX/XXXX I follow_up with the merchant and stated that he did not recieve credit. XX/XX/XXXX I follow_up with the merchant and stated that he did not recieve credit. and stated that his merchant processor that the dispute was in my favor and I have to wait 395 days for credit. XX/XX/XXXX I recieved another letter from PenFed indicating I will be debited on XX/XX/XXXX. When this was done on XX/XX/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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: MT

Complaint narrative:
About three months ago, Navy Federal credit Union declined my card. I then went through a huge process to verify who I was, and my card was turned on .. now my card is declined again and they cant verify who I am again and Im getting very upset about this because I have owned this card for 34 years. Navy Federal credit Union systems are not functioning properly even though they say they are they are not.!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Paramount GR Holdings, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding a lien that GoodLeap wrongfully recorded against my property for a debt that is not associated with my home. The financed work associated with this XXXX was performed for my neighbors property, not mine. However, GoodLeap recorded the lien against my property address and title. As a result, my property has been encumbered by a lien that I never authorized and for a loan that I did not take out. This error has been known to GoodLeap for months. Despite notifying the company and requesting correction, the XXXX remains attached to my property. GoodLeap recently attempted to submit a XXXX termination to XXXX XXXX ; however, the filing was rejected because the document was missing required information and the payment submitted did not cover the full recording fees. Because of this error, the XXXX continues to appear on my property title. This wrongful XXXX has now been attached to my property for years and continues to create a cloud on my title through no fault of my own. This issue has now become urgent because I am currently refinancing my home to access equity in order to finalize the purchase of a new home that I am under contract to purchase. The wrongful XXXX recorded by GoodLeap is preventing my refinance from moving forward and is jeopardizing my pending real estate transaction. I am requesting that GoodLeap immediately correct this error by submitting a properly completed XXXX termination with the correct recording fees so the lien can be fully released from my property. Because this issue is blocking a refinance and home purchase, I am requesting urgent intervention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding my Cash App account which was suddenly deactivated for alleged adult entertainment related transactions. I was not provided with any specific transaction details or evidence explaining this determination. I attempted to appeal through Cash App support but my appeal was denied without explanation. My account previously held approximately {$3000.00} and I rely on this service to manage my funds and investments. I am requesting that Block , Inc. provide a clear explanation of the specific transaction ( s ) that triggered this violation and conduct a manual review of my account. If the determination was made in error, I request that my account access be restored. I contacted Cash App support and submitted an appeal regarding the deactivation of my account. The appeal was denied without providing any specific transaction details or explanation for the alleged violation. I am still unable to access my account normally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was surprised to find that my checking account is debited a service fee of {$10.00} in XX/XX/XXXX and and a total of {$45.00} for 3 months in XXXX I am having this checking account from the year XXXX The bank did not inform us by email or paper regarding this fees When I approached the bank, they said that they can only refund the last XXXX month fee, provided I increase the deposit balance in checking or follow the new requirement The fact is, had not accidently found out that they are taking a fee of {$15.00} every month without even informing me and in frustration talking to them I closed my account and I do not want to deal with such banks for any business. Even the branch manager said that they can not pay back the service fee, since this is a corporate rule

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 2026-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I ordered some food but the company was saying they never received my order so I canceled my order and cashapp still took my money even though they cancelled my order and I made a dispute about it and they denied it even when I sent a picture of it saying they cancelled my order

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
My mortgage payments were put in a suspense account multiple fees, charges, not applied payments in a timely manner when in a suspense fund caused multiple and high late charges which caused problems with my mortgage balance and payment I was sent a letter of doing a modification or foreclosure back in XXXX from XXXX because of mishandling of my payments in XXXX. Im sending formal documentation letters with proof of mishandling payments causing me to do a modification I was forced to do because of mishandling of my payments. Which also caused over the years of XXXX dollars extra on my unpaid balance and XXXX years added on to my mortgage. All because they mishandled my payments in XXXX.

Company response to consumer: Closed with explanation