vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: NC

Complaint narrative:
I tried to purchase items from XXXX XXXX on XXXX different occasions. Both times I was required to pay a down payment of almost {$100.00} each. Immediately after I placed the orders the down payment was charged to my debit card. Also immediately after I placed the order, XXXX XXXX cancelled the order and emailed that I was not charged on the credit card entered ( the XXXX card ). I have submitted screenshots of the order and cancellation but have yet to get a human response to tell me the loan is cancelled. In fact, the response I receive is that I need to reach out to the merchant for a refund. However, the order was cancelled so there is nothing to refund on the merchant side. XXXX was never charged by the merchant yet they are not retuning the almost {$200.00} they have of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
Asked numerous times for validation of debt and they will not provide anything

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 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
As you can see from the attached two letters from Penfed dated XX/XX/XXXX. My wife and I were granted a 3-month forbearance to determine which repayment program would best help us during our temporary financial crisis. PenFed and I could not agree on the terms of the loan modification they offered during the forbearance period. We believe they were violating the Truth in Lending Act ( TILA ), SAFE Act, and breach of contractual agreement of the forberance. They offered to increase our interest rate and extend our mortgage to 40 months, absorbing the prior payments we made prior recent hardship, and were trying to make huge profit for their institution. We refused this alleged illegal offer and brought the past-due payments up to date during the forbearance period. After we caught up on the loan, they retaliated by reporting that we were 60- and 30-day delinquent during the forbearance period, even though they had agreed to suspend payments until the end of XX/XX/XXXX. 
We have sent a 30-day notice to their corporate office. We are planning on filing suit. 
Regards, XXXXXXXX XXXX XXXX XXXXXXXX

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Debt Validation Request Account Number : [ Insert Account Number if available ] To Whom It May Concern, I am writing in response to a debt that appears on my credit report under your companys name. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges.

The name and address of the original creditor.

Copies of any documents bearing my signature that show I agreed to assume responsibility for this debt.

Proof that LVNV Funding LLC has the legal authority to collect this debt.

Documentation showing that the debt is within the applicable statute of limitations. 

Verification that the information being reported to the credit bureaus is accurate and complete. 

Until this information is provided, I dispute the validity of this debt in its entirety. During this validation period, please cease all collection activity and refrain from reporting or updating this account with any credit reporting agency. 

If you are unable to provide proper validation, I request that this account be removed from my credit reports and that I be notified in writing. 

This letter is not a refusal to pay, but a request for verification of the alleged debt. Please communicate with me in writing only. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am being charged 29.9 % on a certain dollar amount and then being charged 34.9 % on a different amount of money this company Bread cash back american express told me they sent out a notification that after a certain date any more use of the card i would be charged a different rate i told them I never received any letters saying so because I would have stopped using the card this is like XXXX percent interest a month there charging me and I was told oh well sorry this is criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/year>, my friend XXXX XXXX XXXX XXXX asked for a favor. She asked if she could send me money via Chime and if I could forward that money to her via XXXX. She sent {$340.00} from someone's else 's Chime account that was logged in on her phone ( the man knowingly did this ). Using my phone she sent herself {$280.00} that same day, taking out money she previously owed me. On XX/XX/year>. Chime made an adjustment in my account, reducing my balance by - {$340.00}. The owner of the account XXXX had sent the money from, filed a dispute. I filed a dispute with Chime but it was rejected. I later filed another dispute through Chime for the money XXXX sent to herself. This time around I had filed a police report and included it in the dispute. In the report I noted, and included evidence, that XXXX was still associating herself with the person the money was taken from, leading me to believe the two of them may have scammed me. But this dispute was also rejected. Chime is claiming the transaction was valid, even though the transaction that made it possible was not valid. Both transactions were initiated by the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/year> Coinbase notified me via email that my checking account used to fund XXXX purchases had been delinked from my account and that I needed to relink it. I attempted numerous times to relink the account on the Coinbase website using the process provided by them. All attempts failed. Eventually I was able to contact a human being at Coinbase who explained that someone had attempted to hack my account and that I must verify my identity before I could access and use my account. The process demanded that I photograph the front and back of my Michigan Drivers License and facial " selfies '' from several angles and upload this info to Coinbase. With the presence of a Coinbase customer service representative on the phone with me at all times, I made perhaps XXXX attempts to comply with Coinbase identity verification procedure over the next 20 days without success. There was always portion of the procedure which failed. Sometimes the photo of the front or back of my drivers license could not be read, sometimes there was a problem with the selfies. While I can't be sure, I suspect the problem was that as a XXXX XXXX XXXX man I could not hold my phone camera still enough to produce a sufficiently clear image to satisfy Coinbase security software programs. Finally, having had enough, I terminated the process and filed a complaint with Coinbase which has still not been resolved. 

I am the owner of this account and not some hacker. Coinbase must provide an alternate form of identity verification that will enable me to access and use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Starting early XX/XX/XXXX we started getting calls every couple days about late loan payment. Our story is we have paying on this RV for XXXX years without a single late payment, the life of the loan. According to XXXX which had taken over the loan from Bank of the west ( without our knowledge ) we owed a balloon amount of {$3600.00} for late fees and owed intrest. Over the span of XXXX, XXXX and now XX/XX/XXXX we are still receiving calls every XXXX days. We have made our usual payments of {$500.00} for the months of XXXX and XXXX but they continue to call and harass. We still cant an answer on why we owe this money. Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NY

Complaint narrative:
Went to my bank account took XXXX from my XXXX XXXX XXXXXXXX account which I had blocked them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CO

Complaint narrative:
This spoofed number has called at least 4x a day for MONTHS. They claim to be Discover Bank but I do not have a Discover card. I have never had my own account with Discover, I am an authorized user on my wife 's account but those cards are ONLY used for gas. The caller today told gave me my name and my city/state and said it was a Discover card used yesterday on XXXX ( which is a HUGE shot in the dark but a fairly common place to shop, however, we have NEVER used my wife 's Discover card on XXXX ) XXXX We monitor ALL accounts frequently and nothing is so much as a day late, let alone something that warrants a collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am disputing an improper {$120.00} charge assessed by PayPal in connection with a refunded merchant transaction that was directly debited from my personal XXXX XXXX  account, not funded by PayPal credit or any PayPal advance. 

I signed up for a free trial with XXXX, which required cancellation before the trial ended. I canceled the trial on time ; however, XXXX still charged {$120.00}. After I contacted XXXX, the merchant issued a full refund, acknowledging the error. 

Because my personal XXXX checking account is linked to PayPal for payment processing convenience, the original charge was directly debited from my XXXX account. PayPal did not front funds, extend credit, or otherwise finance this transaction. This was not a credit card purchase, and I did not authorize PayPal to cover or advance funds on my behalf.

Despite this, PayPal assessed a {$120.00} charge against my account, claiming I received two refunds. This is factually incorrect. I received one merchant refund only, and any refunded fundsif depositedwould have returned to my XXXX account, where XXXX would reconcile the transaction. PayPal never incurred a loss. 

PayPal is now restricting my account ( holding it XXXX ) and demanding payment for funds they did not provide and were never owed. There is no contractual or factual basis for this charge, as PayPal acted solely as a payment conduit and did not extend credit or assume financial risk.

I am requesting : Immediate removal of the {$120.00} charge Full restoration of my PayPal account Written confirmation that no balance is owed This fee is unauthorized, unsupported, and constitutes an improper assessment for a refunded debit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX  I spoke to an agent and made a payment arrangement to catch up on my XXXX  XXXX loan with global lending services. I spoke to the agent for XXXX mins providing dates of promise to pay for the next month XX/XX/XXXX XXXXXXXX XXXX I received a call from an agent demanding immediate payment. 

XX/XX/XXXX XXXX I called GLS and spoke to manager XXXX with the collections dept who only wanted to put me on the XXXX  XXXX. I demaded the company take responsibility for aggressive debt collecting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a pair of shoes from an online merchant for {$250.00}. The merchandise arrived on XX/XX/XXXX, with a significant stain and manufacturing defects. I immediately contacted the merchant to resolve the issue. 
The merchant requested photos of the defect, which I provided on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the merchant accused me of " digitally altering '' the photos because the branding text on the shoe appeared distorted in the image. I explained that the distorted text was the physical defect itself. I immediately offered to mail the physical shoes back to the merchant so they could verify the stain and defect in person. On XX/XX/XXXX, the merchant refused to accept the return, claiming they would not proceed with the claim based on the photos. The merchant effectively used the product 's manufacturing defect as an excuse to deny the return and keep my money. 
I filed a dispute with Capital One ( Case ending in XXXX ). On XX/XX/XXXX, Capital One sent me a letter stating they had rebilled the {$250.00} to my account because the merchant stated goods were " as described. '' This letter explicitly stated I could submit additional information by XX/XX/XXXX, to continue the dispute. 
However, on XX/XX/XXXX, XXXX before that deadlineCapital One sent a final determination letter stating they considered the case closed because my response " lacks all of the previously requested information. '' Capital One has sided with a merchant who refuses to accept a return of defective merchandise, and the bank closed the investigation prematurely before the deadline they provided to me for submitting evidence. I am now being forced to pay for a defective item that the merchant refuses to take back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ssue : Improper overdraft and service fees/ Financial hardship On XX/XX/XXXX, Wells Fargo assessed both a {$35.00} overdraft fee and a $ 25 monthly service fee on my checking account. 

The overdraft fee was triggered by an essential utility bill ( XXXX XXXX, {$100.00} ) that posted on XX/XX/XXXX. The overdraft fee was assessed days later, creating a delayed and punitive charge rather than a real-time notification. 

At the same time, Wells Fargo also charged a monthly service fee while the account was already negative. Charging multiple penalty fees simultaneously during a short-term negative balance creates an unreasonable and excessive financial burden. 

This was not discretionary spending. It was a necessary household utility expense, and the account hardship was temporary and documented.

I am requesting : A full refund of the {$35.00} overdraft fee A full refund of the $ 25 monthly service fee A review of Wells Fargos fee assessment practices in cases of delayed posting and concurrent penalties I believe these fees are unfair, disproportionate, and inconsistent with consumer protection principles.

I respectfully request Wells Fargo to resolve this matter promptly.

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 2026-01-03 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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Ive been fighting for my credit card after it was breached earlier this year. They utilized about 98 % of my card. Ive filled ftc reports and the police report I couldnt retrieve due to them saying I dont know the other party. I then filled FTC reports in knowing I can use this to fight my claim. This is very stressful and I feel like Im not getting a fair shot at this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXXXXXX XXXX, SC XXXX Re : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing in response to a debt that appears on my credit report under your companys name. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges.

The name and address of the original creditor.

Copies of any documents bearing my signature that show I agreed to assume responsibility for this debt.

Proof that LVNV Funding LLC has the legal authority to collect this debt.

Documentation showing that the debt is within the applicable statute of limitations.

Verification that the information being reported to the credit bureaus is accurate and complete.

Until this information is provided, I dispute the validity of this debt in its entirety. During this validation period, please cease all collection activity and refrain from reporting or updating this account with any credit reporting agency.

If you are unable to provide proper validation, I request that this account be removed from my credit reports and that I be notified in writing.

This letter is not a refusal to pay, but a request for verification of the alleged debt. Please communicate with me in writing only. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
My car broke down and I had to repair it. I fell behind on my car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Yesterday on XX/XX/XXXX, my XXXX  XXXX XXXX sent {$1000.00} to the Cash app ( $ XXXX ) I no longer have access to this Cash App. 
The phone number on the account is XXXX The email attached to this account is XXXX XXXX, unfortunately, this is not the correct cash app he should have sent the money to. 

I have a new Cash app new number and new email because my phone was broken and I had to create a new everything. 

I explained this to several different agents at the company.

And Im able to confirm everything!

They all try to do a one time transaction transfer.

They are unable to do it for security reasons.

I asked them to escalate the issue.

Thats when they start giving me the runaround. I dont know if a manager is available, but theyre not letting me speak to a manager to escalate the issue..

This is very important to me because I live in transitional housing. I need a {$1000.00} to get my car from the mechanic.

I have text messages to prove and photos to prove that this money was intended for me.

Im willing to show the broken phone. I can confirm the pin. I can even let you speak directly to my boyfriend XXXX XXXX or whatever I have to do to prove that this is my account it even still has my old picture on it. 

The Cash App representatives are always able to confirm that it is my account, but for some reason, they are unable to do the one time transfer.

I would like my boyfriend to be refunded so that he can send the money to me himself Or I would like to do the one time transaction transfer. 
Please help me You can contact me at XXXX Or by email XXXX XXXX

Company response to consumer: Closed with explanation