vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing a complaint regarding PayPals handling of multiple disputed transactions totaling approximately {$2800.00} that occurred on XX/XX/year>. These transactions were processed through ( XX/XX/year> ) PayPal using XXXX XXXX and were completed in rapid succession within a very short time frame. Several high-value charges ( including {$500.00}, {$500.00}, {$700.00}, {$300.00}, and others ) were processed within minutes without clearly presenting the cumulative total being charged. The issue is not related to gameplay or use of the merchants platform, but rather the transaction process itself. The payment flow did not provide clear disclosure or safeguards to prevent repeated high-value transactions from quickly accumulating into a significant total. As a result, I did not reasonably understand the total amount being charged at the time the transactions were processed. I contacted the merchant immediately to request a refund, but they refused, stating that all purchases are final and non-refundable. I then filed disputes through PayPal. PayPal denied my disputes, stating that the transactions were processed correctly and that their Purchase Protection does not apply. They also categorized my dispute incorrectly ( as a recurring subscription and later as a gaming-related issue ), despite my repeated clarification that these were one-time purchases and that my concern is with the transaction process itself. My concern is that PayPal failed to properly investigate the nature of the transaction flow and instead relied solely on authorization status. PayPal did not address whether the transaction process was misleading or lacked adequate transparency, and instead denied the disputes based on categories that do not accurately reflect the issue. I am requesting that PayPal conduct a proper review of these transactions, taking into account the rapid sequence of charges and lack of clear cumulative cost disclosure, and provide a resolution. I am also requesting that PayPal improve its dispute handling process to ensure that cases involving unclear or misleading transaction flows are properly evaluated, rather than automatically denied under unrelated categories.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
This is a formal dispute regarding a debt that has already been paid in full to the original creditor. On XX/XX/XXXX, I paid the full amount of XXXX directly to the original creditor. Despite this, I received a collection letter from XXXX XXXX XXXX demanding payment and requiring me to submit evidence by XX/XX/XXXX. I attempted to resolve this through the company 's online consumer portal, but the portal is intentionally designed without a " dispute '' or " upload evidence '' option, forcing consumers to spend their own time and money on physical postage to fix the companys internal accounting errors. I refuse to pay for postage to correct a mistake I did not make. I am attaching the proof of payment to this complaint as my formal response before the XX/XX/XXXX deadline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am filing a complaint regarding PHH Mortgage ( now Onity Group Inc. ) and its handling of my short sale request. The process has been marked by poor communication, inconsistent information, and a lack of transparency that has delayed progress and put the transaction at risk. I have repeatedly experienced difficulty reaching the appropriate department. The short sale team does not respond to emails in a timely manner, and there is no direct way to contact them. Customer service representatives are often unable to provide meaningful updates, and supervisors frequently lack the necessary information to address my concerns. As a result, I have been unable to get clear or reliable answers about the status of my file. Additionally, I have received conflicting information throughout the process. On more than one occasion, I was told that all required documentation had been received, only to later be informed that documents were missing or incorrect. In at least one instance, I was notified close to a deadline that there was an issue with previously submitted paperwork, which caused unnecessary delays and jeopardized the short sale. There has been no transparency regarding the status of my application. I have not been provided with a clear timeline, a list of outstanding requirements, or a dedicated point of contact. This has resulted in repeated back-and-forth and confusion, further delaying the process. Given that my loan is significantly delinquent, these delays are critical and increase the risk of foreclosure. Despite the urgency of the situation, PHH Mortgage ( now Onity Group Inc. ) has not demonstrated adequate coordination or responsiveness. I am also seeking clear confirmation regarding whether any deficiency balance will be waived upon completion of the short sale. To date, I have not received a definitive answer on this matter. I am requesting that PHH Mortgage ( now Onity Group Inc. ) : 1. Assign a dedicated point of contact to my file 2. Provide a clear and complete list of all required documentation 3. Confirm the current status of my short sale review 4. Provide a defined timeline for a decision 5. Clarify in writing whether any remaining balance will be forgiven I am seeking a prompt resolution and improved communication so this matter can be completed without further delay.

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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year> I, XXXX XXXX XXXX, sent an entailed certified letter via the USPS to collection agency LVNV Funding LLC requesting Proof of Ownership to verify the agency has the legal right to collect the debts listed below in order to avoid an hardship of owing the debts in the future. LVNV Funding LLC provided their companys Account Summary Report without provided Proof of Ownership/Chain of Title or the right to collect the debts for the creditors listed below 1.XXXXXXXX XXXX XXXX XXXX XXXX LVNV Ref ID:XXXX Amount : {$1600.00} 2.XXXX XXXX XXXX XXXX LVNV Ref ID : XXXX Amount : {$120.00} 3.XXXX XXXX. LVNV Ref ID : XXXX Amount : {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
I am experiencing financial hardship and am unable to afford my current Sallie Mae private student loan payment. I earn approximately {$55000.00} per year before taxes, with take-home pay around {$3600.00} per month. I have multiple student loans, including federal and private loans, and my current total monthly loan obligations are not sustainable. I reviewed Sallie Maes online repayment and forbearance options and was found ineligible. I then contacted Sallie Mae to request hardship assistance, such as temporary forbearance, interest-only payments, or a reduced payment plan. Despite explaining my financial situation and my desire to avoid delinquency or default, I was not offered any reasonable hardship accommodation. This loan has a cosigner, and I am very concerned about protecting my cosigner from being negatively impacted. I am not refusing to pay and am actively seeking a reduced or modified payment that would allow me to remain in good standing. However, Sallie Mae has not provided a viable option to do so. I am requesting that Sallie Mae offer a reasonable hardship accommodation or alternative payment arrangement to avoid delinquency and protect my cosigner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have made XXXX payments to them and my principal has never gone down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XXXX Subject : Identity Theft Affidavit FCRA 605B Block Request To Whom It May Concern : I am a victim of identity theft and fraud. I have identified multiple accounts and unauthorized hard inquiries on my consumer credit reports with XXXX XXXX, and TransUnion that I did not open, authorize, or benefit from. The following accounts are fraudulent and must be blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any associated collection accounts The following hard inquiries are unauthorized and must also be removed : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is a fraudulent account reported through XXXX related to XXXX XXXX XXXX, which I did not open or authorize. I have never applied for or authorized any of the above accounts or inquiries. Any activity associated with them is the result of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I request that XXXX XXXX and TransUnion : 1. Block and remove all fraudulent accounts listed above 2. Remove all unauthorized hard inquiries listed above 3. Block and remove all related collection accounts 4. Cease reporting this information on my credit file This request must be completed within four ( 4 ) business days of receipt of this identity theft affidavit and supporting documentation. Additionally, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I demand that all collection activity related to these fraudulent accounts cease immediately. I further request that XXXX investigate and remove the fraudulent XXXX XXXX XXXX account from my consumer report. Please provide written confirmation of all actions taken and the results of your investigation to my email address listed above. I certify under penalty of perjury that the information provided is true and correct.

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 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I logged into my CitiBank-Bestbuy store charge card website and it showed me i had a XXXX $ min payment due for the month of XXXX. I paid the XXXX XXXX This morning XX/XX/XXXX i received a email that said my payment was received and applied XX/XX/XXXX. I logged back into my account portal and it still shows XXXX $ due for XXXX. I called the customer service number on the back of my card XXXX explained their website showed me XXXX $ due and thats what i paid on XX/XX/XXXX. I am being told that my payment was applied as an additional payment for XXXX instead of being applied for XXXX. That is not right. Their website showed me what was due and when it was due by. I did my part by making my payment on time. Now i am being penalized because their website gave incorrect/misleading information. I received absolutely no help from the customer service supervisors and managers and was basically told its nothing they can do and that i would have to make another payment. I have been stretched thin i don't have another XXXX $ to give them for XXXX so now i will run the risk of a negative ding on my credit due to their websites negligence which is unethical. PLEASE HELP ME!

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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
XXXX I'm writing to submit a complaint about Wise US, a subsidiary of Wise XXXX which is a publicly traded global electronic money services provider based in the XXXX. As can be seen in the attached PDFs, Wise has repeatedly changed the bank account details including the account number for its customers, ( effectively opening a brand new bank account at a different bank in a customer 's name ), as it swaps partner banks, * without * the permission/consent of its customers. I have been directly affected by this as direct debits to the Department of Education via XXXX have failed silently, which has affected my credit score. Ultimately, these partner bank switches were triggered by the illicit business dealings of yet another XXXX financial institution, XXXX XXXX XXXX XXXXXXXX, which has been declared deficient in its XXXX, risk management, and consumer compliance functions by the Federal Reserve Board. It was subject to a data breach which affected Wise customers, allegedly misappropriated customer funds and is accused of freezing withdrawals and fraud. Not to mention its CEO was arrested by the FBI for XXXX XXXX XXXX It is not surprising, then, that this triggered an ongoing search by Wise XXXX for a more stable partner bank. However, this does not excuse it from opening a new bank account with a new bank in my name without my permission and closing a bank account in my name without my permission. Thus I believe the unfair and deceptive practices of several financial institutions have resulted in the damages I've incurred through no fault of my own. XXXX XXXX XXXX On top of this, due to an unfortunate coincidence in which two supposedly guaranteed-for-life institutional email accounts at universities were canceled ( see attached PDFs ), I was unable to receive the notifications from XXXX. XXXX and other student loan providers allow an email-only communication scheme which I believe unfairly leaves customers at the mercy of their email providers. As you can see in an attached PDF, emails sent to the address XXXX had on file are returned by the mail delivery subsystem as undeliverable, hence XXXX was fully aware their contact attempts were not reaching me and it is doutbful whether XXXX as a creditor satisfied the requirement of sending a letter of claim to their debtor. Due to the unfair practices of Wise and several other institutions mentioned above, I believe the penalty to my credit score is unwarranted and I request that XXXX be compelled to remove the deliquencies associated with my account. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Dear Sir : I am a XXXX. banking customer of Citibank who iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, the Federal Communication Commission does not allow the video relay service ( XXXX ) to be used by the consumers who are neitXXXX XXXX XXXX XXXX XXXX XXXX : additionally, the authorised consumers have up to a month of XXXXXXXX XXXX XXXX XXXX XXXX XXXX Citibank requires customers to use telephone support for critical account functions, including resolving authorization holds, escalating issues, and verifying transactions. However, Citibank does not provide an accessible alternative for customers who can not use telephone calls, particularly those located outside the United States where relay services are unavailable or inaccessible due to the FCC regulations. I am currently unable to resolve an urgent issue involving an authorization hold, despite the merchant having reversed the transaction. Citibanks live chat representatives refuse to escalate the issue and repeatedly instruct me to telephone, which I can not do due to my XXXX and international location. To add the insult, Citibank offers the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX numbers that are toll-free and inaccessible outside the United States XXXX I have not used the XXXX since the early XXXX due to the availability of more effective video relay service. Additionally, Citibank has removed or restricted secure messaging options within its online banking, leaving me without any effective means to manage my account or access my funds. This situation effectively denies me meaningful access to my own bank account and financial services.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
SPRINGOAKCAPis falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/year> I answered a tiered bonus ad from CITI Bank that stated if I deposited the funds with them that I would receive a bonus. I elected to deposit $ XXXX with the ad stating if I kept the funds in the account 45 days that I would receive the bonus of {$750.00}. I kept the funds in the allotted time, and then some. I called and called customer service in XXXX ( don't have all the dates ) and was told I qualified for the {$750.00} and XXXX rep said it would be paid XX/XX/XXXX. Then I removed my $ XXXX and started getting finance charges of {$15.00} in the account. Then a rep told me I had to make {$250.00} direct deposits monthly into account to avoid the charge, and I did that. ( this was not even in the promo ad ). I last spoke with a supervisor named XXXX around the XXXX of XXXX. She said I didn't qualify for bonus, and asked for a promo code ( I did not need a code when I opened it on their website as stated when I applied ) I XXXX said she would check further into it and call me within XXXX business days, and she did not. I did everything I was supposed to do, and then much more. I have been given misinformation and lied to, and I have given a big bank access to my funds with no reward Have spent literally hours on the phone with this ; in fact, I am requesting an additional to help offset my time and money lost. ( I can get 4 % return on my present savings account ) I am XXXX XXXX XXXX, on fixed low income, and this is not right nor easy for me. I understand from my XXXX searches that CITI is not paying other bonuses that other consumers have earned and that many complaints have been filed against them.

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 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Online Access Impasse - Complaint ID XXXX - XXXX XXXX XXXX XXXX XXXX following up on our formal complaint ( XX/XX/XXXX ). Despite following the CFPB last instructions ( XX/XX/XXXX ), we are currently in a deadlock regarding our online banking restoration. During our recent calls to Customer Service ( most recently on XX/XX/XXXX ), we were informed that our current contact numbers ( both U.S. and international ) do not match the records in TD Bank system. Consequently, we are unable to clear the security verification required to reset our username and password. On XX/XX/XXXX, we held a phone conversation with XXXX XXXX XXXX to explain our current situation regarding the account lockout and our inability to access the online balance for our TD Convenience Plus account. We provided our contact email and all additional information she requested. Furthermore, we sent a follow-up email that same day requesting updates on the progress of our case ; however, we have yet to receive a response from her. On XX/XX/XXXX, we sent another email to XXXX XXXX XXXX notifying her that if we did not receive a response within XXXX week, we would be forced to escalate our complaint via the CFPBwhich is exactly what we are doing at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: FL

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