vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 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: FL

Complaint narrative:
PayPal permanently banned my 12-year-old account over a single {$360.00} dispute that was a clerical error. The customers bank reversed the claim on XX/XX/XXXX ( ClaimId : XXXX ), yet PayPal refuses to review this evidence and is withholding my remaining funds until XX/XX/XXXX. I am requesting a human review of the attached reversal proof and immediate account reinstatement I have attached, proof that the customer sent me showing the bank reverse the dispute/chargeback I also attach the last email PayPal sent me And I also attached the welcome email from PayPal back in XXXX to show Ive been with them for a very long time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am requesting removal of homeowners insurance from escrow on my conventional mortgage. The servicer has refused, stating that insurance escrow will never be removable due to a prior insurance lapse. 

The insurance lapse occurred shortly after I purchased the home, due to lack of awareness that a new policy was required after closing. Once I became aware of the lapse, I immediately obtained new homeowners insurance coverage and paid the premium retroactively to cover the lapse period. There was no claim, loss, or damage during that time. 

Since that event, my homeowners insurance has been continuously active with no lapses. I have made all mortgage payments on time and am not delinquent. 

Despite this, the servicer has stated that, due to a single past lapse, insurance escrow can never be removed not after 3 years, 5 years, or any future period and that no exception review is available. 

I am requesting clarification of the policy basis for this permanent restriction, whether an exception or review process exists, and whether this decision complies with standard servicing practices for conventional mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: VA

Complaint narrative:
I want to report a loan as fraud. I received a loan document agreement for 6 months payments totaling {$810.00} for XXXX account powered by Klarna. I did not authorize nor sign up fot this loan. I am now receiving billing information for the first payments. Looks like the loan was taken out XXXX XX/XX/year>. I would like to close this account and mark as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: SD

Complaint narrative:
I have a cash app with money on it but they can't transfer funds to my other account because of security reasons. I don't have access to my old phone number or XXXX  account. I am unable to talk to supervisor, just thru emails. The amount is {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am entitled to a complete refund of {$7200.00} because Chase honored a stale check and did not conduct due diligence. 

I've attempted to resolve this issue many times. 

Chase Bank honored a stale check without conducting due diligence. 

On XX/XX/XXXX Chase Bank cashed check number XXXX for {$7200.00} dated XX/XX/XXXX. 

On XX/XX/XXXX when I finally got through to a representative. I told the representative that I have been trying without success to resolve this issue since the check was pending. 

The first representative advised me that the check had been cashed mistakenly and I was entitled to a refund. He then transferred me to a claims representative to get my refund. At this time my wife joined me on the call. 

The second representative claimed checks did not have expiration dates and Chase could cash the stale check no matter what.

My wife requested to speak with a supervisor. This agent refused to transfer myself and my wife to a supervisor because he claimed there was " nothing he could do. '' After a lengthy wait, my wife and I were transferred to a " Supervisor '' named XXXX. 

The supervisor XXXX only made the situation worse. He erroneously claimed that Chases ' policy is that Chase is obligated to honor stale checks and Chase would not refund my money although the whole situation is Chase 's fault. 

My wife and I advised XXXX that this so called policy appears nowhere in my policy documents or online. 

My wife advised XXXX that Chase is not required to honor stale checks and the check should have been automatically rejected. 

My wife requested to speak with XXXX 's supervisor. XXXX refused to transfer to his supervisor or give information on the department that supervises the Claims Department.

The conversation got heated. XXXX told my wife we could go to NY and standing outside the Chase building to complain. He then stated he could not give personal information out about his coworkers. From the tone of his voice XXXX thought my wife and my ordeal was quite funny. 

My wife asked XXXX if there was a legal department she could speak with. XXXX insisted wrongly that " there was nothing he could do '' because the check had cleared the account. My wife told him that this was not true. 

During the course of the conversation, XXXX felt free to give legal advice. He incorrectly told my wife and I that there are no laws limiting banks, banking instruments like checks and no due diligence required on stale checks. 

Not only was XXXX horrible at customer service he was even a worse attorney. XXXX should not be practicing law without a license. 

Again Chase bank decided to honor the sale check and is required to refund my money. This is Chase Banks fault. This is not my fault. 

I am entitled to a full refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld System INC is reporting a negative account on my credit report that does not belong to me. I did not open or authorize this account. 

I am requesting verification showing how my identity was confirmed. If valid proof can not be provided, I am requesting removal of this account under the Fair Credit Reporting Act. 

Transworld System INC {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid on time with good credit until Synchrony Bank and XXXXXXXX XXXX went up on my credit cards from 24.99-29.99 % to 33.99 %. All the information the can say to me is that consumer interest went up, but not 16 % more. So now my credit is shot and now I cant pay them. My payments went up from XXXX to XXXX more a month due to the unreasonable interest rates increase.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX my account was charged multiple times. One got thru for {$120.00}. I filed a report to my bank and they denied my claim saying there are no fraud evidence. They closed my debit card and sent me a new one. Even after the new card, I still see transaction from XXXX that are being rejected. XX/XX/XXXX, an amount for {$49.00} was charged, though it was reversed. This shouldn't have happened since I already have a new card. 

I never purchased anything from XXXX. I don't even have an account with the merchant. Well Fargo refuses to give my money back. They told me there is nothing they can do.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: PA

Complaint narrative:
This company has been contacting me for the past two months. I sent a debt validation letter XX/XX/XXXX they ignored and continued to text me. The second letter sent XX/XX/XXXX was received today as proof is attached to this complaint, they received a letter today at XXXX XXXX  and sent me a text message at XXXX XXXX  asking for payment. All documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: SC

Complaint narrative:
I went to 2 different companies to purchase digital coins. The services was to use the sweepstakes and be able to redeem for cash. The companies services were inadequate and i wanted to have a refund since i have no touched the digital coins. I requested a refund for my money. The total amount was over {$33000.00}. I tried to contact both companies but their contact phone numbers and support do not work. These charges were from XX/XX/year> all the way to XX/XX/year>. I have no other way to get my money back. I have tried to contact my bank Charles Schwab but they are still pending investigation. They have claimed that some of the charges that total {$22000.00} will be denied due to the past 60 days statement. The rest are still in pending case but they have provided 0 provisional credit for me even though i questioned them about passing the 10 days thru Regulation E. The banks said this case does not apply. I have doubts about it. Thus i want to file a complaint against the bank and merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
In summer  XXXX I opened a PNC business checking account and was onboarded by a PNC employee into PNC Merchant Services with XXXX. The account was sold to me on the representation that it would allow me to initiate ACH drafts from my clients. When I attempted to use the account in XX/XX/XXXX, I learned that the merchant account did not support the ACH functionality that had been promised and therefore did not provide the core service I was sold. Because of this misrepresentation and dissatisfaction with the services, I went into my local PNC branch in XX/XX/XXXX and closed my business account with the branch manager and instructed that the associated merchant services relationship be terminated. The merchant services account was never used and processed no transactions. Despite my in-person termination, PNC continued billing internally and later claimed the merchant account was closed XX/XX/XXXX for nonpayment. In XX/XX/XXXX I received a past-due collections notice for {$100.00}, including {$100.00} in collection fees, and was told that additional XXXX and XXXX charges would still be billed. PNCs position is that closing the business account did nothing to the merchant services account, even though PNC sold, onboarded, and managed the services through branch staff. This resulted in improper post-termination billing, collection escalation on an unused and misrepresented account, and the imposition of collection fees without a valid underlying obligation. I have sent PNC a formal written dispute demanding validation, retroactive closure effective XX/XX/XXXX, reversal of all charges and fees, and confirmation of no negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank failed to conduct a reasonable investigation into my billing-error dispute regarding a {$8400.00} credit card charge from XXXX XXXX XXXXXXXX XXXX 

PNC relied on merchant documentation that is objectively unreliable and internally inconsistent. The documents PNC accepted contain discrepancies that could not have occurred as represented and were not reconciled or analyzed as part of the investigation. 

The first document PNC relied upon is a pre-existing furniture damage and post-load walkthrough form that purports to document customer walkthroughs and acknowledgment. These forms require physical presence. However, the dates and signatures reflected on the document make its execution impossible. No walkthrough occurred on the dates represented, and the movers were not present with me as claimed. Despite this, PNC relied on this document without questioning how it could have been validly completed. 

The second document PNC relied upon is an itemized invoice that was not provided contemporaneously at the time of service. The invoice is dated XX/XX/XXXX, XXXXweeks after the XXXX moveand represents after-the-fact billing reconstruction. This post-dated invoice retroactively characterizes services and charges that were not itemized or disclosed when they were allegedly incurred. PNC accepted this after-the-fact billing as proof of valid charges without addressing the absence of a contemporaneous invoice or verifying whether the billing accurately reflected the services actually performed. 

PNCs written denial did not address these objective inconsistencies, did not explain how documentation with impossible timelines could be relied upon, and did not reconcile its reliance on post-dated billing records. Instead, PNC relied on merchant assertions without verifying their accuracy. 

By accepting documentation that contains impossible timelines and after-the-fact billing reconstruction, PNC failed to conduct a reasonable investigation as required under the Fair Credit Billing Act and Regulation Z ( 12 CFR 1026.13 ).

These inconsistencies are objectively verifiable from the face of the documents themselves and do not require credibility determinations or factual disputes between the parties.

I am requesting that the CFPB require PNC Bank to explain how its investigation complied with federal requirements when the documentation relied upon is objectively unreliable on its face.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CADENCE BANK
State: TX

Complaint narrative:
Dear Credit Card Manager, I hope this letter finds you well. I am writing to express my concerns regarding a recent fee charged to my credit card account with Cadence Bank. Upon reviewing my statement, I noticed a charge labeled " Other Fees '' amounting to {$44.00} As a loyal Cadence Bank customer, I have always strived to maintain a responsible credit history, and I am concerned that this fee was applied in error or due to a misunderstanding. Given my commitment to maintaining a positive account status and the lack of any prior issues with my account, I kindly request that this fee be reviewed and, if possible, removed from my credit card statement. Furthermore, I have had difficulty reaching customer service to discuss this matter, which has added to my frustration. I believe that a prompt resolution of this issue will not only restore my confidence in Cadence Bank 's customer service but also demonstrate the bank 's commitment to supporting its valued customers. I would appreciate your attention to this matter and look forward to a resolution at your earliest convenience. Thank you for your understanding and assistance. I look forward to your prompt response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
I keep getting denied for the PSLF, forebearance and deferment. I am a XXXX  too and I am trying to see if I can get any of my loans forgiven. MOHELA keeps denying everything and I'm trying not to go into default on my loans but I'm not getting any help from anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Date of Incident : XX/XX/year> Company : American Express Method of Contact : Live Chat via official Amex Website On XX/XX/year>, I contacted American Express via their official live chat to proactively manage an existing balance of {$6000.00}. My explicit goal was to request a temporary interest rate reduction or a debt management plan for my CURRENT balance to assist me in paying it off in full by XXXX. 
Despite repeating my request four different times, the agent completely ignored my financial needs regarding my existing debt. Instead, the agent repeatedly pushed a 'promotional APR ' that applied ONLY to future, new purchases. 
I informed the agent multiple times that I am not looking to spend more, but rather to pay off what I already owe. The agent continued to use these 'bait-and-switch ' marketing tactics, attempting to incentivize new spending instead of providing the account assistance I requested. This experience was predatory and deceptive, as it ignored a consumer 's request for debt relief in favor of a sales pitch for new debt. I have screenshots of the chat where the agent acknowledges my request but continues to push the irrelevant promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
ABLTY RECVRY is falsely reporting on my credit. I have never had any accounts with them. Per my research ABLTY RECVRYis 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 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 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: MN

Complaint narrative:
On XX/XX/year>, I received a written agreement via email from XXXX XXXX stating that they would credit a month and a half of service and cancel my account because XXXX service was unavailable at my new residence in XXXX, XXXX. The email explicitly stated : we will be taking care of your 1 month and half bill... we'll cancel the account after then process the credit. 

I acted in full compliance with XXXX instructions. I first attempted to return the equipment to a local XXXX XXXX store as directed in the email, but store staff repeatedly refused to accept the device. I eventually contacted XXXX by phone and was instructed to mail the device back, which I did. 

Despite my compliance, XXXX failed to apply the promised credit of approximately {$190.00}. I have spent over XXXX cumulative hours on the phone with XXXX customer service ( documented in call logs ). During these calls, multiple representatives acknowledged seeing the XX/XX/XXXX email on my account but refused to process the credit or stop the collection process. 

As of XX/XX/year>, XXXX reported this invalid balance as a Collection/Chargeoff to TransUnion. This debt has since been assigned to MRS BPO. Both the creditor and the collector are reporting and attempting to collect a debt that was contractually waived in writing by the original creditor. This constitutes a violation of the Fair Credit Reporting Act ( reporting inaccurate data ) and the Fair Debt Collection Practices Act ( attempting to collect a debt not owed ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation