vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Earlier this year I paid off my mortgage with Rocket Mortgage that was taken over by them from XXXX XXXX. I asked about having my escrow balance refunded to me and was told I would have a check by XX/XX/XXXX. I never received a check for the escrow balance but did receive a check for the mortgage balance overage of {$1.00}. I called a few days after the XXXX and was told I should have the check by XX/XX/XXXX because they had to wait 30 days from the payoff to issue the refund. I still have not received a refund check. I called today, the XXXX, and was told the check was issued on XX/XX/XXXX. I informed them that this is not what they previously stated. They are telling me the checks are only good for 30 days and submitted for a new check to be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am a victim of identity theft. My PayPal account was hacked while I was traveling in XXXX from XX/XX/XXXX to XX/XX/XXXX. Unauthorized crypto transactions caused a negative balance of {$430.00}. I have a Police Report ( Case # [ number XXXX ] ) and FTC Report XXXX I have XXXX XXXX e- ticket departed on XX/XX/XXXX and returned on XX/XX/XXXX. I tried to call PayPal but they disconnected my call. PayPal is threatening to send this to a collection agency by XX/XX/XXXX despite my evidence of travel. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am disputing an apartment-related debt being collected by Fair Collections & Outsourcing on behalf of XXXXXXXX XXXX XXXX This debt is inaccurate because my lease agreement contained a family violence termination provision. I Was removed from my home by law enforcement XX/XX/XXXX I officially vacated the property on XX/XX/XXXX to retrieve my belongings due to a domestic violence situation involving law enforcement and court involvement. Due to the XXXX put against me by the roommate occupant I was not able to provide notice before being removed from my home, But the lease company kept me on the lease despite providing them the information they requested to have me taken off the lease, violating their own lease agreement after I was already moved out ( XXXX of XXXX ) .Any outstanding charges need to be placed on the roommate that was occupying the home until XX/XX/XXXX. This is also negligence on the lease company due to them allowing the roommate to rent in my home under false income information. The roommate was not working or making 3x the rent when entering my home, which i was not aware of until she could not pay the rent. The lease company can also report that I was never late on rent payments prior to this specific tenant entering my home. Despite the lease terms, I was charged ongoing rent beyond the lawful termination date and placed into collections. I formally disputed this debt directly with Fair Collections & Outsourcing prior to credit reporting and provided supporting documentation. I do not believe this debt is valid or legally collectible in the amount claimed. I am requesting that the debt be investigated, collection activity cease pending investigation, and that no inaccurate reporting occur.

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 2026-05-12 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: NC

Complaint narrative:
On XX/XX/year>, a payment of {$120.00} was processed through PayPal for a XXXX XXXX purchase. On XX/XX/year>, a refund of {$120.00} was issued for the same transaction. XXXX transaction details state that the refund was forwarded to my bank account and processed by the bank on XX/XX/year>. My bank records show one completed refund credit of {$120.00}. I did not receive duplicate refunds or additional funds. After the refund was issued, PayPal attempted to debit funds from my bank account. Because the transaction had already been refunded, I contacted my bank and requested that the debit attempt be returned/rejected. Afterward, PayPal continued to claim that I owed {$120.00} and placed a limit or freeze on my account. I contacted PayPal customer support through chat and submitted supporting evidence, including screenshots of the PayPal transaction history, refund details, and proof showing the refund was credited to my bank account. Despite this evidence, PayPal continued to state that I owed the funds but did not provide a detailed accounting explanation for why the refunded transaction still resulted in a balance owed. I requested : * a full explanation of the transaction accounting, * clarification regarding the negative balance, * and review of the account limitation. I am concerned about the continued negative balance, account restriction, and possible collection activity despite the completed refund transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding ongoing service failures and operational issues at the HSBC Bank branch located in XXXX XXXX, XXXX XXXX, California. I have been a customer of HSBC for some time, and my recent experiences at this branch have raised serious concerns about the competency, training, and overall management of the staff. On multiple occasions, I have visited the branch to complete routine banking transactions and have received inconsistent and conflicting information from different bankers. This lack of clarity and coordination has resulted in significant delays, repeated visits, and a considerable waste of my time. Most concerning is a recent issue involving a cashiers check. Due to the inconsistent and inaccurate guidance provided by branch employees, I am currently unable to access or recover my funds. As a result, my money is effectively inaccessible, and I am unable to use or transfer it. This situation has caused both financial inconvenience and distress. Additionally, there appears to be no reliable communication channel with the branch. Attempts to resolve issues or obtain clarification are met with further confusion, and it is difficult to reach knowledgeable staff who can provide accurate assistance. This branch is effectively the only HSBC location serving this area, leaving customers with limited alternatives. Public reviews on platforms such as XXXX and XXXX reflect similar patterns of dissatisfaction, suggesting that these are not isolated incidents but rather systemic issues. As a premium customer, I am particularly disappointed by the level of service provided. It appears that the branch prioritizes wealth management services while failing to adequately support standard banking needs. Given the seriousness of these issues, I request that the CFPB investigate this branch for potential operational deficiencies, including staff training, customer service practices, and handling of customer funds. At a minimum, corrective action should be taken to ensure that customers receive accurate information and timely access to their funds. If these issues can not be resolved, the viability of continuing operations at this branch should be reassessed. I am seeking a prompt resolution to my specific case, including restoration of access to my funds, as well as broader accountability to prevent similar issues for other customers. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ricart Financial Services
State: OH

Complaint narrative:
Debtor obtained a default judgement in XXXX via improper service at incorrect address. Wage garnishment from XXXX to XXXX with no itemized accounting ever provided. No contact for aproxiametley 3 years will interest accused unchecked. XX/XX/XXXX a letter arrives indicated garnishment will commence in 15 days for {$9300.00} with no mathematical explanation for how that number was reached. Repeated requests for itemized payment history were denied. Lasted request via email included a response of the original contract, a copy of the judgment and a narrative retelling. Total collected per collectors own written admission is {$19000.00} on an original loan of {$12000.00} Original contract contains FTC Holder Rule cap which may further prohibit further collections entirely. interest rate applied ( 24.90 % ) does not match the contract rate ( 24.81 % ) Original contractwas with XXXX XXXX. No chain of documentation ever provided to establish Tracir 's legal standing to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding an improper and ongoing restraint on my checking account and failure to process a valid conditional release. A third party debt collector obtained a judgment against me for approximately XXXX. Chase placed a restraint on my account for twice the judgment amount, resulting in my account being driven to a negative balance of approximately XXXX, despite the fact that I only had about XXXX in available funds at the time. On XX/XX/XXXX, the creditor issued a notarized conditional release authorizing payment of XXXX and release of the restraint. On XX/XX/XXXX, I contacted Chase levy department and was told the document had been received and attached to my account. I was instructed to go to a local branch. On XX/XX/XXXX, I attended a scheduled appointment, but the branch could not access the document and the levy department was closed. On XX/XX/XXXX, I returned for another appointment. Branch staff attempted to contact the levy department and were on hold for over an hour without reaching anyone. I was then forced to travel to a second branch to obtain notarization and fax the document again. Despite this, Chase has taken no action. Their levy department refuses to assist further, and I have been unable to reach a supervisor despite multiple calls exceeding 40 minutes each. As a result, my account remains frozen, overdraft fees are accumulating, automatic payments are being declined, and I am incurring additional late fees. These are my only funds, and I am currently unable to pay for basic necessities. This situation is causing severe financial hardship. Chase is in possession of a valid conditional release but has failed to act with any urgency or provide a resolution. I am requesting immediate release of my account, processing of the conditional release, reversal of all related fees, and direct contact from a qualified representative to resolve this matter. This situation is unacceptable and requires immediate intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
A fraudulent address was on my account charge page. I contacted the company Military star card. They notified me the address was changed XXXX XX/XX/year>. A couple purchases were made. One was caught. However, another went through and a {$1700.00} computer was purchased and sent to the address. After a year of me paying for this charge. They were able to remove the charge. However the address are on all my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These need to be removed. I am submitting this complaint regarding fraudulent charges and an unauthorized address change on my credit card account that has only been partially resolved. Without my knowledge or authorization, charges were made on my account and my billing address was changed. I contacted the company and while some action was taken, the matter has not been fully resolved. Specifically : Not all fraudulent charges have been reversed The unauthorized address change has not been fully corrected across all systems I have not received written confirmation of zero liability I have not received a full audit or explanation of how the fraud occurred

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Allied Consulting Services LLC
State: OH

Complaint narrative:
They first reached out to my mother. Saying this is about a judgment and employment verification. That was on XX/XX/year>. Now today XX/XX/year> they are texting me and mom the same thing. XXXX XXXX, contact Allied Consulting at XXXX regarding a judgment recommendation and employment verification being sent. I dont even know what this is about. And it keeps happening. And saying if they cant serve me papers in so many days a judgment will be made. A judgment for what?!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I paid my credit balance in full and my credit limit was placed on hold for a week. I have paid my balance in full before with XXXX hold being placed on my credit line. I paid {$1800.00} via Bank Transfer from my personal checking account on XX/XX/XXXX. I was told my credit line would not be updated until XX/XX/XXXX. I had previously paid my balance in full via the same bank account on XX/XX/XXXX in the amount of {$1900.00} without any hold on my credit limit. On XX/XX/XXXX I contacted the Bank to inquire why was my credit line on hold? It had cleared my personal checking account. They replied that my payment history had been lower payment amounts in the past and it was on hold to make sure there was no problem with the funds. Um, I don't appreciate being treated like a criminal, I should not have to explain where my full payment came from, my payment history should not have been in question due to lower previous payments. Had I known my credit limit would be on hold for paying in full I would have made several smaller payments. I do not need to explain where my funds came from as people receive money from different Legal ways. I paid off several other credit cards with high balances previously without any hold of questions regarding where MY MONEY came from. I requested they close my account as I no longer choose to do business with a company WHO feels its okay to treat people like criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I am submitting a follow-up regarding my previously reported complaint involving Climb Credit XXXX XXXX XXXX and XXXX. More than 90 days have now passed since Climb Credit stated in its CFPB response that a full refund had been initiated and that my account was placed into administrative forbearance pending completion of the refund process. However, as of today : * the refund has still not been completed; * the loan balance remains active; * no completion timeline has been provided; * and the school ( XXXX ) continues to ignore repeated written communications. At this point, the matter remains unresolved despite the companys prior response to CFPB. I understand that the school and lender may have internal coordination issues ; however, the unresolved balance continues to remain attached to the consumer while no meaningful resolution has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
Klarna Inc. refused to investigate a clear case of commercial fraud involving the merchant " XXXX XXXX XXXX XXXX '' ( connected to " XXXX XXXX '' ), citing internal timeframes. However, this is a case of fraudulent inducement and a violation of the FTC Business Opportunity Rule ( 16 CFR Part 437 ). The fraud was only recently discovered ( XXXX XXXX ), as the merchant actively suppressed information and censored communication channels to hide their deceptive practices. The merchant used falsified earnings claims and concealed a material conflict of interest ( the instructor is the secret owner of the equipment sold ). By refusing to reopen the dispute despite evidence of federal and state law violations ( FDUTPA ), Klarna is effectively facilitating the retention of funds obtained through criminal deception. I am requesting Klarna to waive their internal 60-day policy in favor of federal consumer protection laws regarding fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
* * RE : CEASE AND DESIST VIOLATION OF FEDERAL LAW ( 15 U.S.C. 1692c ) * * To Whom It May Concern, This letter serves as formal notice that you must * * immediately cease and desist * * from all forms of communication with me regarding any alleged debt you claim I owe. This includes, but is not limited to, phone calls, emails, text messages, and written correspondence. Under the Fair Debt Collection Practices Act, specifically * * 15 U.S.C. 1692c ( c ) * *, once a consumer notifies a debt collector in writing to cease communication, the collector must stop all further contact except under very limited circumstances defined by law. Furthermore, your continued actions may constitute harassment and abuse under * * 15 U.S.C. 1692d * *, and unfair practices under * * 15 U.S.C. 1692f * *. In addition, I dispute the validity of this alleged debt. Your continued reporting or verification of this account to any consumer reporting agency, including but not limited to XXXX, XXXX, and XXXX, without proper validation may constitute a violation of the Fair Credit Reporting Act. * * You are hereby instructed to : * * 1. Cease all communication with me immediately. 2. Cease reporting this account to all credit reporting agencies. 3. Remove any existing negative reporting related to this account. Failure to comply with this notice will result in me documenting all violations and pursuing legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office, as well as seeking civil damages. This is an attempt to correct your records and resolve this matter without further escalation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Earlier this year I called Santander XXXX XXXX customer service regarding their credit card statements not disclosing the expiration of their promotional APR. My bank statement says I have a XXXX APR but in absence of showing an expiration date, it creates a situation where any moment I can receive an unexpected significant change in interest charges without warning. They should include the expiration date so customers can plan accordingly.

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 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I mproper account closure based on AutoPay error, not consumer behavior. My Best Buy Credit Card ( issued by Citibank ) was closed due to two or more returned payments in the last 6 months. These returned payments were caused by Citibanks AutoPay system still attempting to withdraw from an old checking account that I no longer use. I was unaware that the old account was still linked to AutoPay. Despite this, I made all of my payments * * early * * and * * in full * * using my current bank account. At no point was my account past due, and I never missed a payment. The returned payments were not due to insufficient funds or financial hardship. They were caused entirely by an outdated AutoPay setup that continued to pull from a closed account even though I was making manual payments from my new account. Why I am filing this complaint : Citibank closed my account without considering my actual payment history, which shows consistent early payments. When I called and requested a review, I was told the closure was permanent and that nothing could be done, even though the returned payments were clearly caused by their AutoPay system using an old account. What I want the CFPB to do : I would like the CFPB to review Citibanks handling of this matter and require them to correct the record, as the closure was based on an AutoPay error rather than any failure on my part to make payments.

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