vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: MA

Complaint narrative:
I called several times to identify myself. Then I ask what's this debt collection for and who do I owe? They hang up never resolving the issue. No information just you owe a debt. I've been trying to get answers for years now and it's effectively hurting my credit. I don't know the bill never had a bill owed in that denomination. When I disputed it first they couldn't provide any information. But a few months later they popped on my credit report again still not providing any information to me. They say I owe, but who and can we provide information? They are a scam company that got credited for work not done. They need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: PA

Complaint narrative:
Hi i have been Trying to activate my prepa8d debit card and to have my mobile app verified so i can access my mobile app. I have been calling around the clock and can not get thru to them. I can not access my money that went onto my account on the XXXX because i can't activate my new card because they don't answer when you call 24/7. I need to be able to access my money to pay my bills! This is ridiculous no way that higher than call volume is going on every hour on the hour. Anything you can do so i can access my funds would be greatly appreciated. Thank you very much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding unauthorized changes made to my mortgage escrow account. I have never had a late payment and paid my mortgage on time in XXXX and XXXX. Following my most recent escrow analysis, my monthly payment was adjusted to approximately {$3000.00}. However, when I logged in to make my XXXX payment, the amount due displayed as {$3600.00} without prior written notice or explanation. While attempting to understand the discrepancy, I used the companys online chat feature to ask questions. I did not request or authorize any account changes. Despite this, adjustments were made to my escrow balance based solely on that chat interaction, without my explicit consent. I had to call multiple times to have these changes reversed. This raises serious concerns about : Internal controls over escrow account modifications Consumer authorization protocols Potential violations of mortgage servicing standards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was in Florida for vacation in XXXX and I probably lost my card somewhere in Florida but I rarely use that card unless Im withdrawing money which I did once. I try to purchase something and my account gets declined and I know I have money just to check and see that someone has been using my debit card so I call to cancel it and file a dispute. You can tell someone was rushing to spend money and I havent used that debit card in over 4 months and you can see that from my statement. They said that my claim was denied and I clearly wasnt the one making all those transactions. I only transfer and use my bank account because that was the only way I was able to use my money you can see it from the statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am submitting this complaint regarding systemic student loan servicing misconduct involving multiple servicers connected to my loans, including XXXX, MOHELA, and XXXX. Over time, my loans have been transferred or serviced through these entities, and I have received communications from more than one serviced claiming authority over the same loans. I continued receiving statements and communications from each serviced regarding all the same loans. This overlapping servicing and lack of clear accountability has made it difficult to determine who is responsible for accurate servicing and repayment management. During the period in which my loans were service by XXXX and subsequent servicers, my loans were repeatedly placed into forbearance and deferments instead of sustainable repayment options.These repeated forbearance allowed interest to accrue and capitalize, significantly increasing my loan balances over time.During these servicing periods I contacted the service regarding repayment options and account status, but the loans continued to be placed into forbearance rather than structured repayment programs that would have prevented balance inflation. Through review of official records, including my XXXX loan summary and publicly available securitization documents, I later discovered that the loans were pooled into student loan asset-backed trusts associated with XXXX and XXXX. This Structure and the related servicing incentives were never disclosed while these servicing decisions were occurring. As a result of repeated forbearance placements and interest capitalization, my loan balances increased substantially, causing significant financial harm, loss of financial stability, emotional XXXX and prolonged uncertainty, interest charges due to each forbearance/deferment flip which created immediate capitalization and delay in meaningful repayment progress. These harms were avoidable and stemmed directly from improper forbearance steering and non-transparent servicing conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: ND

Complaint narrative:
XXXX is preventing me from accessing the funds in my account through a repetitive and erroneous " Identity Verification '' loop. I have submitted my government-issued ID and been " cleared '' by XXXX XXXX multiple times in the last 30 days. However, the companys automated systems immediately re-freeze the account upon any transaction attempt. I have attempted to resolve this through XXXX standard customer service channels without success. As result of this, I have been unable to use my account with no path to resolution. I am requesting that a XXXX XXXX perform a manual review of my account to clear these flags and allow me to withdraw my balance, so that I may formally close my account, and end my financial relationship with Venmo. Furthermore, as a resident of North Dakota, I am asserting my rights under N.D.C.C. 51-15-02. XXXX repeated cycle of confirming my identity and then immediately re-freezing my account constitutes an unconscionable and deceptive business practice. Also, under the North Dakota Money Transmission Modernization Act ( N.D.C.C. 13-09.1 ), XXXX is failing to honor its obligations to a North Dakota consumer . I am requesting that the [ Attorney General / XXXX ] investigate why this licensee is refusing to provide permanent access to my funds after multiple successful verifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing this complaint against Chime regarding unauthorized debit card transactions totaling {$930.00} that occurred on XX/XX/year>. The charges were made to " XXXX XXXX '' in the amounts of {$50.00}, {$50.00}, {$350.00}, and {$480.00}. I have never owned or used a XXXX account, and I did not authorize these transfers. Chime initially denied my dispute, stating no error occurred. Following their guidance to provide official documentation, I filed a report with my local police department with Case Number : XXXX and The police department has advised that Chimes XXXX department must request the full investigative file directly from them to verify the XXXX. Chime has failed to conduct a reasonable investigation under Regulation E by denying a clear case of " XXXX XXXX '' ( multiple high-value charges in XXXX day to a XXXXXXXX XXXX merchant ) without contacting the reporting authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I financed a travel package to XXXX through XXXX using Affirm ( installment loan ). The trip was fully canceled before departure due to mandatory in-person work training ( unforeseen job requirement ; skipping risked terminationproof attached ). No services were providedno flights taken, no hotel stay occurred. XXXX refunded taxes only ; the hotel refunded in full. XXXX XXXX insurance denied coverage as it didnt qualify under policy perils. I disputed with Affirm for non-delivery of services, but it was denied ( new dispute submitted ; screenshot attached ). Im now facing the full loan balance and interest ( payments starting around XX/XX/XXXX ) for a service that was never delivered. This feels like unexpected charges since nothing was received. I request full loan cancellation, zero balance, and halting of all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: TX

Complaint narrative:
I dispute Veros Credit 's XX/XX/year> response in its entirety. The response contains XXXX materially false statements : ( XXXX ) characterizing evidence as " single picture of XXXX device '' when the photo shows XXXX and a Notarized Affidavit documents XXXX ; ( XXXX ) claiming " no information devices accessible by Company '' when portal.passtimegps.com/veroscredit is a live Veros-branded GPS XXXX XXXX XXXX ; ( XXXX ) claiming " do not use remote starter interrupter '' when the XXXX installed devices are XXXX XXXXXXXX units with starter-interrupt as the core product feature ; and ( XXXX ) stating I " acknowledged electronic tracking device '' which confirms the violation, not a defense, because I acknowledged XXXX and XXXX were installed. A denial letter Veros mailed me dated XX/XX/XXXX just XXXX hours after the CFPB response directly contradicts these statements. The denial letter does NOT deny multiple devices exist ( only denies installing them ) and does NOT deny using a GPS service provider ( only objects to my systemic conclusion ). Veros gave the CFPB XXXX story and gave me a different one on the same facts within XXXX days. The denial letter was postmarked XX/XX/XXXX the day Veros 's {$270.00} XXXX XXXX XXXX bond offering closed. It was held 7 days before mailing. Full dispute with side-by-side contradiction analysis, evidence inventory, and requested CFPB action attached as PDF. Denial letter and postmarked envelope also attached. SEC XXXX XXXX # XXXX & TCR # XXXX. XXXX & XXXX XXXX has assigned an analyst actively reviewing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX handling of a transaction dispute. In 2025 I paid {$220.00} through Cash App to a merchant called XXXX XXXX for wedding bands. The rings were supposed to arrive in late XXXX but were never delivered. I filed multiple disputes through Cash App throughout the year. Each time my dispute was denied with the explanation that the merchant had fulfilled the order. However, the merchant never provided tracking information and I never received the product. After researching the merchant further, I discovered numerous complaints online from other consumers reporting the exact same issue orders placed for wedding rings that were never delivered. The merchants listed address also appears to resolve to a non-business location. Because of the lack of delivery and the merchants fraudulent behavior, I also filed a complaint with the Federal Trade Commission. Despite providing this information to Cash App, they have continued to deny the dispute without evidence of delivery. I am requesting that Cash App reopen and properly investigate this transaction for non-delivery and fraud and issue a refund for the {$220.00} payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I need to file a complaint on these Zelle phone numbers account owners for them to be investigated and terminated and their Zelle token revoked and account deactivated and suspended for scamming and doing fraudulent and send the investigation decision to their bank so their bank can do the same thing investigate and terminated their bank accounts etc XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX Unknow account owner name ( XXXX ) XXXX Unknow account owner name ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
I purchased a computer on XXXX for {$2100.00}. The seller then sent a box with something random in it to a different address with a different name on it. They then deleted their XXXX account. I disputed the transaction with PayPal. The credit card I used is also a PayPal credit card so I have no other recourse. They gave me information on what to obtain from XXXX to verify the situation and then turned around and refused the document from XXXX. They're demanding an alternative document that XXXX does not offer. I've had XXXX different XXXX representative send me an official email stating the tracking number does not match my name nor my address. One of the XXXX agents told me that just yesterday alone she dealt with a slew of different people having the same exact issue. PayPal as sending people to them requesting something that XXXX does not offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I sold the XXXX I had in my XXXX crypto account. Instead of giving me access to the funds I now had from selling my crypto they put a hold on the funds and will not provide a reason why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
I noticed my XXXX XXXX tanked. I checked and saw kikoff llc and i was angry because i specifically had unsubscribed and i immediately ran and tried to get on the website to contact customer service. I was met with a rude, incompetent, agent and I tried to show them that even THEIR own system shows I cancelled in XX/XX/year>, Since i could not share my screen with her or him i took a screenshot. My reason for cancellation is because i lost my job and knew months ahead that i would not be able to keep the subscription. I took screenshots knowing these companies love to XXXX people over ( which verbatim states Since you closed your account XX/XX/year> you last XXXX XXXX we have is from XX/XX/year>. Even after sending them my exculpatory evidence they do NOT care that I followed KIKOFFs policies and rules and correctly unsubscribed, they just want to charge me, and or hurt me. I am being punished for being layed off and unable to afford kikoff. This is EXACTLY what is happening and i will be filing a suit about this. I am sure by their actions/inactions there may be many many more people dealing with kikoff and their tactics. I have my evidence and will present it to a jury of our peers. This is has destroyed me in multiple ways and soon I will feel I have NO other way than to file a law suit whether by myself or a class action who knows how many people they are hurting. I filed disputes however extremely inconvenient the credit bureaus do not have ANY METHOD to upload evidence except for XXXX mail, a simple upload form would make everyones life XXXX times easier but XXXX forbid that. XXXX forbid any help is given to the masses. Bottomline if Kikoff does not comply with laws and regulations and remove this OFF my credit report, with an apology and the restoration of all my points ( i lost XXXX points off all three credit bureaus ) or a {$6500.00} compensation check for the credit restoration for the damage they caused me, as it is expensive to rebuild after being tore down for no reason. even though i did the right thing, took evidence in case they tried to lie, its like nobody cares .. Maybe nobody cares today but my day in court WILL come

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against PayPal , Inc. regarding the unlawful and unethical hold they have placed on my funds. This action is causing XXXX XXXX XXXX and is directly leading to my XXXX XXXX. My account details are as follows : Full Name : XXXX XXXX Account Email : XXXX Description of the Issue : PayPal has restricted my account and is holding a balance of {$2200.00}. These are my funds, which are necessary for me to pay my rent. Despite numerous attempts to resolve this matter directly with PayPal, they have refused to release my money. I have called their XXXX XXXX multiple times and have sent written correspondence, but I have only received automated responses or run-around answers. I have provided any documentation they requested, yet they continue to ignore the urgency of my situation. The Impact : Because PayPal is withholding my money, I am unable to pay my rent. My XXXX has already served me with a notice, and I am facing XXXX. This situation is criticalif I do not have access to my funds by XXXX XX/XX/year>, I will lose my housing. This is causing XXXX XXXX XXXX and the very real possibility of XXXX. My Request : I am requesting the immediate release of my funds so I can pay my rent and keep a roof over my head. This hold is unjust, and the lack of customer support is unacceptable for a financial institution of their size. Please investigate this matter immediately. Time is of the essence. Thank you for your assistance. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Purchase XXXX $ of XXXX with the intentions of sending it within XXXX hrs after paying for a faster transaction. It has now been XXXX days and I am not allowed to send my XXXX or sell it. There is no information on my account about the hold. The XXXX $ purchase simply isn't visible as an option to transfer. The complete lack of information after I paid specifically to have the crypto within XXXX hrs is unacceptable. And the block chain was finalized a day ago. XXXX sucks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: LA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to your credit report. Ive already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am an XXXX XXXX and I have been dealing with constant computer and phone hacking of my accounts. These include : Pay Pal, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. The hackers stole my phone that is connected with my accounts and the companies refuse to update it further making me vulnerable to hackers. The stolen number is XXXX and it is an XXXX XXXX XXXX account opened by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX all from Wisconsin. I got a new XXXX XXXX card yesterday and they won't let me update the number to access my credit. The only verification options they gave me were all connected to the stolen phone. I also alerted them to XXXX other accounts opened in their system that I don't recognize and didn't authorize and they did not offer to shut those accounts down or do anything to address my fraud concerns- the XXXX XXXX XXXX was named XXXX. XXXX XXXX- the bill has been completely paid off and the company will not allow me to access the funds. XXXX- I have a credit card and debit card through XXXX. I have only been able to use it MYSELF a few times and saw and reported multiple unauthorized charges that they did not resolve and would not allow me to access my large credit limit. PayPal- they keep requesting fraudulent charges and transactions of things that we not mine to begin with and refuse to update the app or remove any of the fraudulent charges. It is also connected to my XXXX account where the fraudsters keep ordering packages in my name, stealing them or canceling all my orders of necessities. I have a burner phone for the moment that the hackers gave me because they " lost '' the XXXX XXXX XXXX phone. The active number I need with this burner phone is XXXX. The stolen devices are on XXXX which was ordered and delivered through the USPS in a stolen mail truck. Contact info for hackers : 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

Company response to consumer: Closed with monetary relief