vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: NC

Complaint narrative:
I have a previous CFPB complaint with Cashapp over the settlement ( cfpb complaint # XXXX ) where XXXX response was I need to prove my identity for them to do anything and bout the unauthorized transaction, CFPB settlement and the reimbursement of a refund from XXXX that was accredited to the negative balance that cashapp put my account in after allegedly doing a investigation of my unauthorized transaction claim. I just got off the phone with a cashapp agent to prove I own this account and all I was sent was a link to a page about the cfpb settlement update. This is my final attempt to recover these funds before taking the matter to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: GA

Complaint narrative:
This is a followup to my previous CFPB complaint XXXX. PayPals response was incomplete and did not address the facts of the case. They ignored evidence, misrepresented the item as custom, and failed to address the additional {$400.00} I paid. They also implied the chargeback caused the denial, which is false I only filed with my card issuer after PayPal denied my claim and refused to review the evidence. PayPals response to my previous complaint was incomplete and misleading. They claimed the item was a custom-made item, but the merchant substituted the center stone without my consent. This is a materially different item and qualifies as Significantly Not As Described. The merchant admitted the mistake and accepted the return. PayPal ignored this evidence. PayPal also failed to address the additional {$400.00} I paid through PayPal XXXX for the upgraded stone. This was a separate transaction and part of the same order. I never received the stone I paid for, and PayPal has not refunded this amount or explained why it was omitted from their response. It is important to clarify that I only filed a dispute with my card issuer after PayPal denied my claim and refused to properly review the evidence. PayPals response implies the chargeback was the reason for the denial, which is inaccurate. The denial occurred first. PayPals response did not address the evidence, the unauthorized substitution, the return, the missing {$400.00}, or their contradictory case statuses. I am requesting that CFPB require PayPal to conduct a proper review and issue the full refund owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I had made a online sale using paypal, the customer had agreed to my terms given and once he came to face one of said terms he said he didnt want to continue after the purchase had been made and the money had been claimed through paypal. he started a dispute with paypal for a refund of {$150.00}, in which I provided all evidence and proof of sale/terms and how its not a right refund decision. paypal then sided with him not taking any of my evidence into consideration and put me into a negative balance of {$150.00} and then sending me to a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In the years following the housing crisis, I entered an XXXX modification program that was presented as a governmentsupported option to make my mortgage affordable and allow me to keep my home. I was told that if I made the required affordable payments for the modified term, the loan would be paid off. At no point did the servicer clearly explain that the modification included a second, separate lien called an FHA Partial Claim. The servicer did not disclose that the Partial Claim would remain as an additional loan that would become due after the modified mortgage has been paid off. I was never given a clear explanation of the longterm consequences, the existence of a second lien, or how the Partial Claim amount was calculated. The program was represented as a path to full payoff through affordable payments, but now, I am being told I still owe a large additional balance that I was never properly informed about. The servicer did not provide clear written disclosures ( I had to request these documents after receiving access to my FHA account ), did not verbally explain the second lien, and did not provide the counseling required under XXXX guidelines. I was not informed that the Partial Claim would survive the payoff of the modified mortgage or that I would still owe a substantial amount afterward. This is a misrepresentation of the program and a failure to disclose material terms. I am requesting that the CFPB require the servicer to provide all modification documents, including the Partial Claim note, HUD approval, and all disclosures ; proof that the Partial Claim was properly explained ; proof that required FHA counseling was completed ; and a full accounting of how the Partial Claim amount was determined. I am also requesting a review of whether the modification was presented in a misleading manner and whether the servicer failed to comply with FHA, HUD, RESPA, and CFPB disclosure requirements.

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 2026-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the evening of XX/XX/XXXX a guest at my XXXX in XXXX, XXXX put a drug in my drink, stole two credit cards and my cell phones, including the Bank of America XXXX XXXX card ending in XXXX. This person made several purchases totalling {$160.00} on the card before I awoke and closed the card. I couldn't file a police report since it would have been needed to be done in XXXX and I didn't know the language. My other banks blocked the fraudulent transactions made on those cards but BoA did not. I've attached an email from XXXX blocking a transaction that the thief tried to make. I've attached a screenshot of the XXXX XXXX XXXX app which shows that I've marked one of my phones as stolen and it was taken to a low income area of XXXX where the thief lives.

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 2026-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
The issue for this complaint is stemming from the previous complaint and issues I had with this Company. We asked for months for monthly statements during the billing time that was in question. They never sent a complete billing that was in question, requested multiple times over the phone, sent multiple registered letters of notice. Took the Company months to respond to get the correct information. They even admitted in their response that they delayed the process and apologized for the action, in doing so the promotional interest expired so it accumulated an extra {$1100.00} in higher interest rate fees, I have sent a registered letter concerning this issue and have not received a response from the company. Weve asked that the interest amount that was accumulated during their delay time be removed since we have paid in full the amount that was owed on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Texas and financed the vehicle through Toyota Financial Services. At the time of purchase, I was sold a windshield protection product called XXXXXXXX XXXX XXXX XXXX, contract XXXX, for {$2500.00}. This amount was separately itemized on my buyer 's order as XXXX. In early XXXX, I requested cancellation of this product. The provider, XXXX XXXX ( XXXX ), initially claimed the product was " included for free '' and refused to issue a refund. I disputed this by providing my buyer 's order showing the {$2500.00} as a separately itemized charge. Under Texas Occupations Code Section 1304, a separately itemized service contract must be refunded upon cancellation. As of XX/XX/XXXX, the {$2500.00} refund has not been posted to my Toyota Financial Services loan account. The cancellation has been confirmed but the credit has not been applied, meaning I am continuing to pay interest on a cancelled product. I am requesting that CFPB require Toyota Financial Services and/or XXXX Administrators to immediately post the {$2500.00} credit to my loan account and confirm in writing that the refund has been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IN

Complaint narrative:
Cash App closed my account for no reason saying I violated their terms when I have in fact not. I have a legitimate business and they closed my accounts because of fraudulent activity that I never did

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry Portfolio Services is attempting to collect an alleged debt of {$3400.00}. I have sent two separate written requests via certified mail demanding validation of this debt pursuant to the FDCPA, specifically requesting a chain of title, an itemized statement, and the original contract. Cavalry has completely failed to provide a single supporting document. Instead, they sent a generic form letter on XX/XX/XXXX claiming my dispute lacked facts, followed by another form letter on XX/XX/XXXX claiming they 'verified " the debt internally without providing me any proof. They are violating my rights under the FDCPA by continuing collection activities and validating a debt with zero documentation. I demand that they either produce the legal chain of title and original account contract or cease reporting this unverified account on my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I continue to dispute the Midland account being reported on my credit file. In response to my prior dispute, Midland provided only a final statement from the original creditor. This response did not address my concerns regarding the accuracy of the account information being reported, documentation supporting Midland 's authority to collect and report the account, or support for the balance being claimed. I request a reasonable investigation and additional documentation supporting the reporting of this account. Until the disputed information is adequately supported and verified, I continue to dispute the accuracy and completeness of the account information being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
For some reason our mortgage company ( Freedom Mortgage ) did not pay the full amount owed for insurance ( XXXX XXXX ). They only paid {$360.00} that left a balance owed of {$1600.00} I immediately called our insurance company to verify that and then called our mortgage company XXXX Mortgage company 3 way called insurance to verify the shortage and insisted a check was being mailed that day. Insurance still didnt receive it after 2 weeks. We received a check from the mortgage company for {$2300.00} So I called our mortgage company again XXXX they said there was nothing in the records of the previous call and insisted she was correcting the issue and a check for {$1600.00} was being overnighted to the insurance company. I asked what about the supposed escrow surplus check they mailed us. She said we needed to cash it and put it back in escrow. I gave it till the following Monday and called our insurance company they hadn't received the check. I called again XXXX still nothing received. I called the mortgage company immediately and they said the past several payments have been denied. I dont know what to do. They just want to do this again as the lady said it would probably be denied again because its a request for over {$1000.00}.

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 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was completely unaware of these accounts and did not provide permission for their creation. I request an independent and thorough review of all documentation and approval processes involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally express my concern regarding my Citibank account and the funds currently being withheld from me. I was informed that my account had been blocked and would be closed, yet no one has been willing to provide a clear explanation as to why this decision was made. In an effort to resolve the issue, I traveled approximately three hours to visit a branch in person and brought multiple forms of identification, including my driver 's license, Social Security card, and birth certificate, to verify my identity. Despite providing all requested documentation, I was still denied access to my account and my funds. I was also unable to make a deposit, and no one could give me a specific reason for the restriction on my account. I have repeatedly asked for an explanation and have not received one. Additionally, I was informed that paperwork regarding my account and funds would be mailed to an address in another state where I no longer reside. I explained that I have not lived at that address for a long time and that sending important documents there would prevent me from receiving them. Despite informing Citibank of this issue, I was still denied access to my account and was not provided with an alternative solution. This situation has placed me in an extremely difficult financial position. I am currently struggling with housing instability and urgently need access to my money for basic living expenses. The funds in this account belong to me, and I have done everything requested to verify my identity and comply with bank procedures. I am requesting an immediate explanation regarding the block on my account, the reason for the account closure, and the release of my funds. If the account is being closed, I request that Citibank update my mailing information and provide a secure method for me to receive any correspondence and the remaining balance in my account. I also request a written explanation for why my account was restricted and why I was denied access to my funds after presenting valid identification. I would appreciate a prompt response, as this matter is causing significant hardship and requires immediate attention. Thank you.

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 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: NJ

Complaint narrative:
LVNV Funding LLC RE : Formal Dispute of Alleged Debt, Demand for Validation, Cease and Desist Communication, and Request for Removal of Inaccurate Credit Reporting I am writing regarding any account or alleged debt that you claim I owe. I dispute this alleged debt in its entirety. I have no contractual agreement with LVNV Funding LLC, have never entered into any agreement with your company, and have not been provided with any original contract, signed agreement, or other competent evidence bearing my signature that establishes a legal obligation between myself and LVNV Funding LLC. Accordingly, I demand that you provide complete validation of the alleged debt, including but not limited to : A copy of the original signed contract or agreement creating the alleged obligation ; Documentation demonstrating that LVNV Funding LLC has legal ownership of the alleged debt and the right to collect it ; A complete accounting of the amount claimed to be owed, including principal, interest, fees, and charges ; The name and address of the original creditor ; Documentation establishing that the alleged debt has been lawfully assigned or transferred to LVNV Funding LLC. Until such documentation is provided, I dispute the validity of the debt and demand that all collection activity cease. Furthermore, pursuant to my rights under applicable federal and state law, I demand that you cease all communications with me regarding this alleged debt. This includes, but is not limited to, telephone calls, text messages, emails, letters, and communications through third parties. In addition, if you are reporting this account to any consumer reporting agency, I request that you immediately investigate the accuracy of the information being reported. If you can not provide competent evidence establishing my legal responsibility for the alleged debt and your authority to collect it, I demand that you remove all related tradelines, entries, and negative information from my credit reports. This letter shall not be construed as an acknowledgment of liability, an admission that any debt is owed, or a waiver of any rights, remedies, claims, or defenses available to me under federal or state law. Please provide all future responses in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME

Complaint narrative:
XXXX XXXX XX/XX/XXXX. I had my home under contract for sale with an assumable loan. It took PennyMac almost 8 months to close my loan. It was during this time I was forced to pay 2 home mortgages and a HELOC. I have all of the emails, and correspondence, which includes time tables and proof that we complied with every request in a timely manner. There were periods of weeks and months that I nor my realtor could not get anyone on the phone or to respond in general. This ruined me financially. I had to tap my XXXX, utilize all credit ( ruin my credit ) and take a family loan to just survive. They could have written it in brail backwards for that length of time... The Mortgage amount {$2700.00}. The HELOC : approx {$550.00} House under contract XX/XX/XXXX closing end of XXXX I also had to pay taxes on the house while they took more than 4X the normal amount of time to close on the house. I'm still not sure they weren't waiting on me to not be able to pay on the loan in order to not allow the assumable mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Filed a claim XX/XX/26. Saw suspicious activity with debit card on XX/XX/26 for XXXX and again on XX/XX/26 for XXXX doing a cash withdrawal at an ATM in XXXX XXXX, on my statement .Ive never been to Oregon In my lifetime.Not sure how I couldve been in XXXX XXXX to XXXX XXXX and then back to reading pa in a couple hours. The proof is in the statement, yet they fought me three times, promising answers but only to deny request 3 times and still not showing me proof. Im not sure why or how I got hacked but Im not using my card as gas pumps or anywhere. The debit claims department for Wells Fargo are horrible and borderline criminal

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