vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 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: CA

Complaint narrative:
This complaint is a follow-up to Complaint No. XXXX. I recently discovered that between approximately XX/XX/XXXX and XX/XX/XXXX, a total of XXXX transactions totaling over {$5100.00} were sent from my Cash App account to a single recipient. I did not authorize these transactions and was not actively using Cash App during this time period. I did not provide my login credentials, debit card information, or account access to any XXXX party. All of the transactions were sent to the same individual and followed a consistent pattern in timing and dollar amounts, which indicates ongoing unauthorized access rather than isolated or user-authorized activity. After discovering the issue, I reported it to Cash App and requested a full investigation. Cash App denied my claim, stating that the transactions were authorized by me or someone I authorized, but they did not provide any supporting evidence for this conclusion. Cash App did not provide device information associated with the transactions, did not provide login or authentication records, and did not provide any evidence that I personally initiated or approved these payments. Additionally, their response did not address the repeated pattern of transactions to a single recipient over an extended period, despite my statement that I was not using the application at that time. I believe this indicates unauthorized access, account compromise, or identity misuse, and that the investigation conducted was incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CL Holdings LLC
State: PA

Complaint narrative:
I negotiated a pay for deletion letter which never occurred instead the third party collected the debt collection with out removal of inquires as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My identity was stolen I have no knowledge of this account To Whom It May Concern, I am writing regarding a previously disputed account that you have marked as verified, however I do not agree with the results of your investigation. Account Name : Portfolio Recovery Associates Original Creditor : XXXX XXXX Balance : {$330.00} This account was not properly validated. Simply confirming information with the furnisher does not meet the requirements of a reasonable investigation under the FCRA. I am requesting : Method of verification used in your investigation Copies of all documents provided by the furnisher Proof of ownership of the debt Proof of my legal obligation to pay If this information can not be provided, this account must be removed from my credit report immediately. Failure to conduct a proper investigation will be documented as non-compliance with the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Paypal placed my account into review and requested a variety of documents/ explanations regarding my account transactions, history, business structure, verification and a few others. After supplying all information I am notified that my account is permanently blocked regardless of the information I had submitted. I have tried to get into communication with support about why my account was limited despite providing them with everything they asked for. I intended on submitting an appeal however I have not recieved the information I need to do so, during the review process it was very vauge on why they were asking for the specific documents/explanations. My funds are on hold for 180 days due to vague and confusing processes, with no way to dispute or appeal the decision, support staff actively dodging my requests for the information and escalation to a team that can. I have tried to work with PayPal in resolving this situation yet to no avail, their AI phone system has removed the only direct line of reliable support remaining as the in-app " message center '' support staff are more than eager to instantly close the chat without offering any form of support at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I currently came across several issues with a company Fay Servicing and it sounded similar to a situation my father went through so I researched on my end and this is what I found. I am unsure what my next steps are but I am hoping this complaint can help guide Fay Servicing to do the right thing. My father, XXXX XXXX ( deceased XX/XX/XXXX ) owned a property located at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX. He foreclosed on the property in XX/XX/XXXX. The judgement total was {$120000.00} and they resold the property in XX/XX/XXXX for {$140000.00}. That leaves an overpayment of {$17000.00} that was never offered to my father which to my understanding is illegal! I looked up the statute of limitations in Illinois and could not find any so I do not think the time has expired. My father has 2 heirs, my sister XXXX XXXX and myself so I know legally we would be entitled to these funds. This company has a horrible reputation for doing this to several families during XXXX foreclosures along with not exploring all their options. I am definitely reaching out to them also!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Atlas Collections Inc. (of New Castle)
State: IN

Complaint narrative:
So I called XXXX XXXX debt collector to set up a payment for my medical bills and 25 % of {$600.00} is {$150.00}. Theyre trying to tell me that I need to pay XXXX a month XXXX a week and I pay XXXX a week in XXXX {$100.00} in XXXX {$200.00} a week in rent and they still think its OK for me to pay that while Im sitting here struggling barely getting by I tried to tell them what I could pay and he said no my my client wants their money I also thought their lawyer and the guy talking on the phone was kind of rude. how are you gon na ask somebody what they can afford to pay and then they tell you and you say no this is what we need from you. 25 % of {$600.00} is {$150.00}. I told him I can make that a month and they told me no they wanted XXXX a week when she goes out there over {$250.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I am filing a complaint regarding an unverified debt reported by a collection agency on behalf of XXXX XXXXXXXX University. The account relates to XXXX XXXX tuition charges totaling approximately {$3500.00} {$5000.00}. I dispute this debt in full. For nearly XXXX years, I have made repeated attempts to obtain documentation supporting this balance, including : Multiple written requests and certified letters Formal appeals and escalation attempts within the university Emails to Student Financial Services, Financial Aid, Registrar, and Deans Office The only response I have ever received is a conclusory statement that the debt is legitimate, without any supporting documentation. To date, I have never been provided : An itemized account ledger A breakdown of charges Documentation showing enrollment validity Proof of attendance or participation Financial aid disbursement records Records supporting assignment to collections Despite this, the account has been sent to collections and is actively being reported on my credit report. Additional Facts : I was subject to a financial hold and was not eligible to attend classes I was informed that financial aid could not be processed due to missing tax documentation I did not attend or participate in any XXXX XXXX classes The university has failed to provide any formal written appeal decision. Many of the relevant records, including appeal submissions and university communications, were sent to my XXXX XXXX University student email account, which has since been deactivated. I no longer have access to those records. I have requested copies from the University multiple times, but they have failed to provide them. The University retains these records and should be able to produce them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Sequium called me about a contract that I told him was falsified in my name and that the workers would not leave because they had to work order. When I told them I didn't sign them they called the company and went ahead with the work even though I told him to leave. The company was XXXX and I had them come out because I had ants in my house. They sent someone out for termites and claim that I had termites but I don't think I really did because we just bought the house not even 6 months before that and we had a full inspection done and it didn't show up any. The date was XX/XX/year>. I told him I didn't want it because I couldn't afford it they wanted to me to pay {$560.00}. I live off of XXXX and make {$1000.00} of that. I told him I couldn't afford it I have XXXX kids so they falsified my signatures. To get the work done. This is not the first time I read that they have done this and lost in court in different states. I have the proof that the signatures don't match. Today my fiance got a phone call on his phone not mine his phone and they in person needed a lawyer to try to get information and then turn around this said they were debt collector. When we call them back with the paperwork in our hands to tell them that it's a falsified document they could not talk to him even though he had permission. They were rude to me and hung up on me telling me that's not the way it works. They don't like the fact that I have the documents with several different signatures and just one of them is mine. How would it make sense for me to take out loan that took half my money away when I just bought a house and I'm paying a mortgage. How does that make sense?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been unable to use the mobile deposit feature in my Capital One account for the past three months. Each time I attempt to deposit a check, the system incorrectly states that the check has already been deposited/ received, even though it has not and there is no record of it in my account. These are legitimate checks with : Different check numbers Different dates No prior deposit history The only similarity is that they are from the same payer and for the same amount, as has been the case for about two years without issue until recently. XX/XX/2025 was the last month I was able to deposit via mobile. XXXX, XXXX and now XXXX checks had to be taken to a bank branch. I have contacted Capital One customer service at least XXXX times. Once for XXXX minutes. Each time, I was told to visit a branch location, amongst other things ( including restarting my app, deleting and redownloading ( which I did both of ) and having the check reissued. Despite asking for my concern to be escalated, I was just repeatedly told that there's " nothing they can do and I need to take it to a bank branch ''. This is not a viable long-term solution for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
During XXXX of XXXX, I had been active on Coinbase and active in their " Coinbase Earn '' program that has since ended. They never fulfilled my credits for completing their tasks or their " learn to earn '' program. That was supposed to be a " safe haven '' asset I can " forget '' about and just let grow. I contacted them and they said no transactions ever occurred on my account. My account shows the active transactions I had at that time period. I should have earned thousands of XXXX XXXX XXXX, and XXXX XXXXokens for being in the program. They have kept insufficient records, support doesnt seem to be in the XXXX XXXX and I am now at a loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/year> ; XXXX EST : my credit card was transferred to Citibank from XXXX. Account number is XXXX. Bottom line, I spoke with 3 representatives, the last a supervisor named XXXX in the XXXX. The bank authenticated me with my social security number and date of birth but said they could not authenticate me with my mobile number XXXX which is the number so have used for this account for years. Based on that, they told me they were freezing my account and sending me a letter that would provide a code to authenticate myself. I explained XXXX I had a large purchase coming through and asked that they look for an alternative solution as the cell number and email on account had been used for years. Also I shared I had accessed the account online and made a payment for account balance of {$16000.00} from my checking and of course that went through fine, yet my card is still being blocked. I asked to talk to a senior manager to look for alternative solution and was told that there was no one else to talk too. I work for a large bank and also asked for the executive complaints phone number or a contact there and was told politely to put my complaint in online I have never seen such a lack of initiative to help a customer or to look for an alternative solution. This I would be my first product with Citibank and there was no willingness to help. Basically I was told I need to wait till I receive letter in mail to authenticate myself. The executive team should take a close look at how agents have a lack of empowerment to resolve a problem and also a lack of genuineness to deal with and hear a customers true issue. All I want is for me to be recognized and authenticated and for my charge, which the bank makes money off of to be honored If this is how Citibank plans on treating their new customers coming from XXXX with the transition of the XXXX XXXX credit card, they are going to lose good business. I charge an average of XXXX on my card and have never felt so de-valued as a customer. XXXX just kept repeating himself. If this is the capability of your supervisors, upskilling in basic customer service is definitely needed. We all know there are exceptions and options to help a customer. Not as Citibank for this transaction. Would appreciate a call and someone to help resolve this issue. Respectfully 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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMB FINANCIAL CORPORATION
State: NV

Complaint narrative:
I need a letter stating that my joint account is closed citing the closed date, names on the account and account number. This is required by the government 's XXXX application as part of their 5 year financial look back. They do not accept the last statement showing a XXXX balance as adequate and my application will be denied if I do not have this letter. I have requested this letter twice through customer service. I have been able to receive a letter like this from other financial institutions such as XXXX and XXXX XXXX XXXX. Now need I this from UMB to complete a XXXX application for my mother to qualify for XXXX for a XXXX XXXX. Please provide and mail this so I have received it by XX/XX/year> for a XX/XX/XXXX application deadline. I do not live in a state with branches/retail presence. I am in Nevada. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Complaint against TD Bank I am filing a complaint regarding improper handling of a compromised bank account and unauthorized transfer of funds. In approximately [ late XX/XX/year> ], I visited a TD Bank branch in XXXX New Jersey to report that my account had been compromised ( my username and password were obtained by an unauthorized party ). I explicitly requested that the account be closed and that the issue be reported to the fraud department. The bank employee informed me that this would be handled. Based on that representation, I opened a new account and believed the compromised account was closed. However, TD Bank failed to close the compromised account and did not properly initiate a fraud claim. As a result, subscription charges continued attempting to process on the compromised account, eventually causing a negative balance. Without my authorization, TD Bank then exercised a right of setoff and transferred funds from my new account to cover the negative balance on the compromised account. This negative balance would not have occurred if TD Bank had properly closed the account as requested or followed appropriate fraud procedures. The situation was caused by the banks failure to act on my request and protect my account after a reported compromise. I returned to the branch to resolve the issue, but I was told that nothing could be done and that corporate would not reverse the transfer. I am requesting the following resolution : * A full refund of all funds transferred from my new account to cover the negative balance * Reversal of any associated fees * Written confirmation that the compromised account has been properly closed * A review of TD Banks failure to follow fraud and account closure procedures I did not authorize the transactions that caused the negative balance and reported the account as compromised prior to these charges occurring. I believe TD Bank did not meet its obligations in handling a reported account compromise and improperly transferred my funds as a result of its own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of my auto loan account by Santander Consumer USA. Santander is currently reporting my account as a repossession. This reporting is misleading and inaccurate. Although my account did become delinquent and reached approximately XXXX days past due, the vehicle was never actually repossessed. The vehicle was never taken into possession by Santander, never sold, and has remained in my possession at all times. Shortly after being notified of potential repossession activity, I brought the account current by paying the past-due balance. Since then, I have continued making payments, and the account is active and being paid down. Despite this, Santander continues to report the account in a manner consistent with a repossession, which is materially misleading. Reporting a repossession implies that the creditor took possession of the vehicle and disposed of it, which did not occur in this case. This inaccurate reporting is negatively impacting my credit profile, limiting my ability to obtain fair financing, and causing financial harm. Under the Fair Credit Reporting Act, all information furnished to credit reporting agencies must be accurate and not misleading. Reporting a repossession when no repossession occurred does not meet this standard. I am requesting the following : Immediate investigation of this account. Correction or removal of any repossession status associated with this account. Update of all credit reporting agencies to reflect accurate account history. I am willing to provide any documentation necessary to support this request. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
My XXXX credit report shows that I opened an account with Bank of America in XX/XX/year>. I have not opened any credit card with Bank of America at all. I called Bank of America and they said that they do not have a credit card under my Social Security number. XXXX says that the card is mine. The card is not mine. I do not have an account with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: ID

Complaint narrative:
I have a client that's paid their invoice through PayPal for over a year now. The last two payments of {$1100.00} have been held by PayPal once my client paid the invoice. When I called PayPal on XX/XX/year>, I was told that my funds would be available in 24 to 72 hours. That time has passed and my funds are still being held. The rep on the phone told me she could not release my funds, that I could not be transferred to a supervisor, and that I needed to wait for a phone call from a supervisor who's name they refused to give me. I have other clients that pay invoices via PayPal and I have no issues getting those payments. I just want my funds released.

Company response to consumer: Closed with non-monetary relief