vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am writing to formally document my concerns regarding my CB Indigo ( Concora Credit ) credit card account, issued by XXXX XXXX and serviced by Concora Credit. From the beginning, I believe this account has been structured in a way that is unfair and misleading, particularly for individuals with low credit. The card carries extremely high interest rates and multiple fees that were not clearly explained or fully understood at the time I opened the account. As a result, the balance became increasingly difficult to manage despite my efforts to stay current. Approximately XXXX months ago, I began experiencing financial difficulty due to switch in jobs and a medical bill due to an emergency room visit i am now paying on and attempted to address the situation responsibly with Indigo. I contacted customer service to stop automatic payments because the required amounts were more than I could afford. I then mailed a written request to Concora Credit at XXXX XXXX XXXX, XXXX, OR, asking for assistance, including the possibility of lowering my payments so I could continue paying the balance. I did not receive any response. After further research, I learned that the account is associated with XXXX XXXX and was provided an additional mailing address ( XXXX XXXX XXXX, XXXX, NC XXXX ). I sent a second letter to that address, again requesting help and confirming my identity using the same address associated with my account. I have still received no response. More recently, I attempted to log into my account to seek assistance and review my balance, but I no longer have access. This has left me without any way to manage or resolve the account. Given the excessive fees, high interest, lack of transparency, and complete absence of response to my written requests, I believe this account was marketed and managed in a way that takes advantage of consumers with low credit. I made good faith efforts to communicate and resolve the issue, but those efforts have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding improper debt collection practices involving an originally owed to Capital One and later placed with XXXX XXXX, XXXX. On XX/XX/year>, I entered into a settlement agreement with XXXX XXXX, XXXX for the above-referenced account. Under this agreement, I made XXXX ( XXXX ) successful ACH payments as follows : {$240.00} XX/XX/year> {$240.00} XX/XX/year> {$240.00} XX/XX/year> {$240.00} XX/XX/year> {$240.00} XX/XX/year>XXXX XXXX XXXX XXXX Note : the first payment was drafted in XX/XX/year>. A sixth and final payment scheduled for XX/XX/year> was not successfully drafted. Despite my substantial compliance with the settlement agreement, the account was subsequently transferred or sold to XXXX XXXX XXXX, which is now attempting to collect on this account for {$2600.00}. XXXX XXXX XXXX is attempting to collect on this account without properly accounting for : The prior settlement agreement The payments I made under that agreement The remaining balance, if any, under the settlement terms Instead, it appears they may be attempting to collect an amount inconsistent with the settlement agreement, which may constitute : Misrepresentation of the amount owed Attempted collection of an inflated or incorrect balance Failure to properly validate the debt Concerns Regarding Firstsource : XXXX XXXX, XXXX accepted multiple payments under a settlement agreement and then transferred or sold the account. It is unclear : How the account was reported at the time of transfer Whether the settlement agreement was properly honored or documented Whether accurate information was provided to the subsequent collector

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, PayPal placed a permanent limitation on my account and is holding {$920.00} of my funds for XXXX days before they will be released to me.My account has been in good standing for over XXXX years with a substantial history of successful transactions and no violations of PayPal 's Terms of Service. The limitation was triggered after I received a single {$80.00} chargeback from a client who later confirmed it was filed by mistake. I disputed the chargeback and won the case, meaning the funds were returned and PayPal incurred no loss.Despite winning the chargeback dispute, PayPal limited my account permanently and classified me as " high-risk. '' When I requested justification, PayPal cited an account limitation from approximately XXXX years ago as a contributing factor, in addition to the recent chargeback that was resolved in my favor.This action has caused substantial and ongoing financial harm : I was expecting the {$920.00} to clear into my linked bank account. Because PayPal froze the deposit, my bank account went negative and I have been charged {$200.00} in overdraft fees as a direct result. I lost a confirmed {$2200.00} sale for development services to an existing client who has paid me through PayPal multiple times in the past. Without access to PayPal, I had no way to receive payment. The sudden limitation has halted ongoing work for my business clients because I have no functioning payment channel. I am now scrambling to set up an alternative payment processor, which takes time I do not have. I currently can not afford basic living expenses due to my bank account being negative and my primary income channel being abruptly cut off. I believe holding {$920.00} for XXXX days is excessive and unjustified given : The chargeback that triggered this action was won in my favor My account has XXXX years of recent good standing I have no pattern of disputes, refunds, or TOS violations The XXXX issue PayPal references occurred under entirely different circumstances and has no bearing on my current account activity PayPal incurred no financial loss from any of my activity I have made multiple attempts to resolve this directly with PayPal customer service and have not received any meaningful response or pathway to early release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: CA

Complaint narrative:
MRS BRO sent text messages with my name and debt owed. She is not co-signed on any accounts and they have messaged her repeatedly. It breaks Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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: PNC Bank N.A.
State: FL

Complaint narrative:
On or about the beginning of XX/XX/XXXX a theft occurred at our residential condominium mailbox. My neighbor XXXX XXXX had a check stolen from the mailbox and it was washed. She has resolved the issue with her bank. Around this same time my payroll check along with the payroll check of XXXX XXXX were also stolen. The checks were auto delivered from PNC with PAYMENT ENCLOSED on the envelope. Funds from Check XXXX for XXXX XXXX were returned for Suspicious Activity on XX/XX/XXXX. Check XXXX for XXXX XXXX was deposited via XXXX XXXX into a XXXX Account. It is obvious that the check is forged. The thief 's account number is stamped on the back of the check. To date these funds have not been returned. It has been XXXX months. Required and Follow up paperwork was notarized and submitted XXXX separate times over XXXX month. A police report was filed with The XXXX XXXX XXXX 's office immediately and is attached. Additional, paperwork with XXXX XXXX information was provided and attached to my original paper and hand carried to the XXXX XXXX XXXX. This is not only theft it is a crime against the elderly. Numerous calls were made to PNC Fraud Department. My account manager claims she is on top of it with XXXX. I am lost at what to do from here to have my funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I made a {$20.00} purchase at XXXX using my Cash App debit card. The next day ( XX/XX/year> ), I filed a dispute with Cash App because the transaction was incorrect/ not as described. I have received only generic automated responses stating the dispute is in review and that it can take up to 45 days. It has now been 29 days since I filed the dispute, which is well past Cash Apps stated 10-business-day window for providing an update. The status in the app still shows only In review with no further information or resolution. I have contacted Cash App support multiple times via in-app chat, but they continue to send copy-paste replies with no meaningful update or timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
This complaint is being submitted by a party involved in the transaction based on direct knowledge of the loan process and timeline. The loan process began on XX/XX/year>. On that same date, written communication was received from the lenders representative outlining that the borrowers income from a family-owned business could be used, provided the borrower had no ownership interest in the company and the required FHA guideline and investor overlay documentation could be obtained. That written guidance specifically referenced FHA documentation requirements, including support for the borrowers recent schooling to address the standard two-year employment history requirement, verification that the borrower was not an owner of the family-owned business, personal tax return or transcript requirements, and current employment verification requirements. That guidance was relied upon throughout the process. The loan then remained in underwriting for approximately XXXX weeks. During that time, documentation was submitted in response to lender requests and conditions were addressed as communicated. The income structure, employment duration, recent graduate status, and family-owned business issue were known from the outset and were specifically addressed in the written guidance received on XX/XX/year>. As the scheduled closing date approached, underwriting turn times increased significantly, including a response delay of approximately XXXX hours during a critical period when a XXXX turn time had been expected. Communication became limited despite follow-up, and no material concern was clearly communicated earlier in the process indicating that the loan was at risk of denial based on the factors later cited. The loan was ultimately denied the day before the scheduled closing. The reasons cited related to income stability and short time on the job. These issues were present, known, and documented from the beginning of the process and were the same issues addressed in the lenders initial written guidance. The primary concerns are : Failure to identify and communicate material underwriting concerns within a reasonable timeframe Inconsistency between the initial written guidance and the final credit decision Delayed underwriting turn times during a critical pre-closing period Limited or unclear communication leading up to closing Borrower impact caused by a denial issued one day before the scheduled closing after weeks of reliance on the loan process moving forward This complaint is not based solely on the fact that the loan was denied. The concern is the timing, communication, consistency of guidance, and overall handling of the file after the key underwriting issues were known from the outset.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: LA

Complaint narrative:
On XX/XX/XXXX I called the U.S. Bank ReliaCard and ask them to send me a replacement card cause for some reason the current one wasn't working. The customer service agent told me that the current card wasn't working because the card had been canceled and the address has been changed and a new one was sent to the new address on file. I informed them that I made no such changes so they locked the account and asked me to verify my address and XXXX. I was given a fax number to send the information to and I also mailed out the information to the address given to me for the bank. On XX/XX/XXXX I called and ask if the documents were received because the agent told me during the last phone call that after I sent out the documents that it will take XXXX days to process but when I called on this day the agent said they haven't received anything and to give it XXXX more days and call back and maybe they'd have it by then. I called again on XX/XX/XXXX and was told by another agent that they haven't received my mail or the fax and that there are no other alternatives to get the documents to them and that they dont have an email I could email it to them so I sent them all over again that same day. I called XX/XX/XXXX again about this same matter and was told they still haven't received anything so I asked if they could just transfer the funds of {$200.00} to an external account and was told they can't do anything to the account until they get the documents that their still not receiving for whatever reason. I have spent extra money that I don't really have to spare to get these documents faxed and mailed off to them and they still not getting it. I asked the agent if they could just close the account and mail the remaining funds of {$200.00} to me and the agent said no they don't have a way to access my account to do so and that even if they could they wouldn't be able to take an action like that until they got the verification documents. Now I have resent these documents XXXX different times using the only XXXX methods that they have given me and nothing has been done I'm experiencing hardship due to this issue and have fallen behind on bills trying to swing my direct deposits and open a account with another bank until this matter was resolved and I still have not been able to access my U.S. Bank ReliaCard or get my funds off of it. It's like constantly hitting a brick wall trying to talk with an agent to resolve the issue, they don't even have a local branch I can walk into. Very frustrating please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I received notification from my credit monitoring that I had a collection from XXXX XXXX for a debt I do not recognize. I have received any letters from this company in the mail. This violates my 30 day right to dispute per the FCRA. I am requesting validation for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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:
I contacted Rocket Mortgage multiple times to let them know about an Adjusted Supplmental Secured Property Tax Bill. I sent them a photo of the tax bill on XX/XX/XXXX and was told the payment would be processed in the next XXXX days. It is now XX/XX/XXXX and the payment was never processed and they keep putting me on indefinite holds when I call. The payment is due tomorrow, I am now forced to make the payment myself when there's XXXX the amount of the money in escrow that could be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am filing this formal complaint against LVNV Funding, LLC for attempting to collect debts that I do not owe and for making false, deceptive, and misleading representations in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e. LVNV Funding, LLC is attempting to collect four alleged debts that are fraudulent, inaccurate, and/or unverified. They have reported these false accounts to XXXX XXXX XXXX XXXX damaging my creditworthiness and causing significant financial and emotional harm. LVNV Funding has never provided adequate validation of these debts as required by 15 U.S.C. 1692g. LVNV Funding 's conduct violates multiple provisions of 15 U.S.C. 1692e, including but not limited to : 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of any debt. LVNV Funding is reporting debts I do not owe with fabricated balances. 1692e ( 8 ) : Communicating credit information which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. LVNV Funding continues to report these debts as valid without notation that they are disputed. 1692e ( 10 ) : Use of any false representation or deceptive means to collect or attempt to collect any debt. LVNV Funding is using the credit reporting system as a coercive tool to extract payment for debts it can not prove I owe. Disputed Accounts : Account ending in XXXX XXXX XXXX XXXX XXXXXXXX Alleged Amount Owed : {$840.00} Account ending in XXXX XXXX XXXX XXXX XXXXXXXX Alleged Amount Owed : {$420.00} Account ending in XXXX XXXX XXXX XXXX XXXXXXXX Alleged Amount Owed : {$510.00} Account ending in XXXX XXXX XXXX XXXX XXXX Alleged Amount Owed : {$790.00} I have no knowledge of these debts. LVNV Funding can not provide the original signed contract, complete payment history, or proof of ownership of these debts. Their continued collection efforts and credit reporting constitute willful violations of the FDCPA. I demand that LVNV Funding, LLC : Immediately cease all collection activities on these accounts Immediately delete all four accounts from my credit reports with XXXX XXXX XXXX XXXX Provide complete validation of each alleged debt or cease collection permanently Provide written confirmation of deletion within 30 days I reserve all rights under federal and state law, including the right to pursue civil litigation for FDCPA and FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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: Chime Financial Inc
State: NY

Complaint narrative:
I ordered on XXXX and got food items from XXXX different merchants that were supposed to be delivered at the same time. I XXXX dasher came and dropped the XXXX order correctly. When the XXXX dasher came he dropped the order and took a picture of both orders and then proceeded to steal the XXXX order which he did not bring. I only recite the order he delivered from cold stone but not my order from XXXX XXXX which he stole. When I contacted XXXX XXXX by text and phone they gave conflicting information and false pretense of a refund. I could not submit the ring camera footage so I uploaded stills to both the merchant and my bank dispute with chime. They denied my claim over a month later when I submitted all the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo is an app that I use once a while, I have {$50.00} in account from last year. I decided to use it again but needed more money. So, I asked my friend to send me {$100.00} XXXX days ago. I got an email that the money came through and the next day my account was closed. I called Venmo customer service and they said they can't do anything about it. The reason was the account was inactive for a while so the account was closed. How is it closed after the money went in?? The email they sent me stated that I closed the account, that's bs. Afterward they said sorry they can't help me. I asked to speak to XXXX, and they put me on hold for XXXX mins. No one came. Please help me get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing a formal complaint regarding my auto loan account due to inconsistent balances, improper charges, and lack of clear accounting. My vehicle was declared a total loss. The insurance company paid {$15000.00} toward the loan, and the XXXX coverage paid an additional {$3000.00}. According to the lenders own payment history, these payments brought the account balance to {$0.00}. This confirms that the loan was fully satisfied. However, after the balance reached XXXX, the lender added multiple charges labeled as repossession expenses and other fees. These include charges exceeding {$1600.00} in total. This is highly concerning because : The account had already been paid off through insurance and XXXX. The vehicle was a total loss, yet repossession actions and related fees were still applied. I have received multiple inconsistent balances from representatives, including {$210.00} and {$670.00}, and no one has been able to provide a clear or consistent explanation. Additionally, there is a discrepancy between the insurance payment reflected in XXXX document ( {$14000.00} ) and the actual amount paid ( {$15000.00} ), which has not been explained. I am requesting : A full and detailed payment ledger showing how all funds were applied A clear explanation and documentation of all repossession-related charges An explanation for the discrepancy in the insurance payment amounts Immediate correction of my account to reflect a {$0.00} balance and removal of any improper charges Until this is resolved, I do not acknowledge any outstanding debt. If necessary, I am prepared to pursue this matter further, as the current situation suggests improper billing practices and accounting errors.

Company response to consumer: Closed with explanation