vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/XXXX, I went to a dispensary and paid {$65.00} and change for my order. My Venmo debit card processed the transaction even though the dispensary said it did not process the transaction. Once I got home I found out that the transaction did actually go through. I contacted the dispensary. They said they can not legally give me a refund so I contacted Venmo and I said hey they double charge me, they admitted to doing this. Can you please give me my money back because I paid with a different card and I could verify that. Venmo set up a dispute on XX/XX/XXXX and it is XX/XX/XXXX Ive gotten no updates. Ive gotten a temporary credit, but if they find in the other companies favor, then I have to pay that money back. It doesnt make sense why this has taken over a month to process when this company is actually owned by PayPal and I filed a complaint with PayPal before. They usually process it in about a month or less what really irritates me is they refuse to give me any updates at all about it. I spoke to XXXX different managers at the dispensary about the situation and I even have a review on their XXXX page about this very situation from over a month ago just to verify anything additional that has gone on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I payed XXXX dollars towards my principle on my mortgage loan and requested a recast of my loan. This was started around early XX/XX/year>. It was supposed to take 60 days at most to complete. We are now in XXXX. The funds have been applied but my monthly mortgage payment is still the same. I keep trying to reach out to the case manager through their direct line, but they are not returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
In XX/XX/year> and again on XX/XX/year>, I contacted Bridgecrest to report severe financial hardship and request a loan modification or payment deferral. Representatives refused to escalate my requests to a supervisor, stating my only choices are voluntary or involuntary repossession. The vehicle currently has {$8000.00} in negative equity due to high interest, making a private sale to pay off the balance impossible. Despite having an excellent history of never being late and keeping the company informed, Bridgecrest is forcing a default that will leave a decade-long negative impact on my credit score and severely damage my housing opportunities. I refuse to accept that a major financial institution offers XXXX loss mitigation options, especially when repossessing and selling the vehicle at a low wholesale auction will guarantee a massive loss for both parties. I am acting in good faith to find a structured settlement or modification, and Bridgecrest is acting in bad faith by refusing standard loss mitigation solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) happens when the rules governing the collection, sharing, and use of consumer credit information are not followed. The FCRA mandates that consumer reporting agencies ( XXXX ) take reasonable measures to verify the accuracy of information in credit reports. If an FCRA violation results in financial harm to a consumer, they have the right to pursue legal action against the CRA to recover actual damages, statutory damages, and attorneys fees. The accounts noted in my letter contain inaccuracies, and I am requesting a comprehensive investigation to correct these errors.

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 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my account was closed. i haven't done anything wrong. its recently opened account. my previous bank of America account was closed 2 years ago due to returned payment. i have close to XXXX in credit limit on other accounts. There is no risk. I have excellent payment and credit history.

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 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am a resident of North Carolina filing this complaint against Synchrony Bank regarding a fraudulent CareCredit account opened via identity theft on XX/XX/XXXX. I have attached a photo of the official fraud resolution letter from Synchrony Bank dated XX/XX/XXXX, explicitly confirming that the account was not opened by me, closing the account, and clearing me of all liability.Prior to the conclusion of the fraud investigation, I made consecutive monthly out-of-pocket payments to protect my credit score from XX/XX/XXXX up until at least XX/XX/XXXX. These monthly minimum payments were {$210.00} each. In addition, I made a large catch-up payment of {$570.00} around XXXX or XX/XX/XXXX. The estimated total Synchrony Bank owes me is between {$1600.00} and {$1800.00}, or more. Synchrony Bank has unlawfully withheld these victim funds for 454 days since officially ruling the account as fraudulent on XX/XX/XXXX. Under the Truth in Lending Act ( Regulation XXXX ), Synchrony Bank is legally required to pull the internal transaction ledger for this account, calculate the exact sum of all payments made, and issue a full Credit Balance Refund. Retaining these funds constitutes unjust enrichment and a direct violation of federal consumer protection laws.I demand that Synchrony Bank immediately audit the payment history for this specific account, calculate the exact total of my overpayments, and mail a refund check for the full amount to my current address to resolve this federal complaint

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 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital that I do not recognize and did not authorize. I believe this account may be the result of fraud or identity theft. I first discovered the inaccurate reporting on or about XX/XX/year>, after reviewing my credit reports. The account was being reported with incorrect information and caused harm to my credit profile. After discovering the issue, I disputed the account with the credit reporting agencies and requested validation and investigation of the alleged debt. Despite these disputes, the account continues to be reported without proper verification. I also requested that the company provide documentation showing I opened or authorized the account, including any signed agreements, payment history, or proof of ownership. To date, adequate proof has not been provided. This inaccurate reporting has negatively affected my credit standing and ability to obtain fair credit opportunities. I am requesting that the company immediately investigate this matter, cease inaccurate reporting, and delete the account from all credit reporting agencies if it can not be fully verified under federal law. I am also requesting that all information associated with this disputed account be reviewed for compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
I have been sent to collections for XXXX dollars that I already paid and sent them the receipts. they sent me to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/year> I received an email that I paid XXXX XXXX {$600.00} from my pay pal account. I DID NOT do this. I do not know him and never heard of him. I immediately contacted pay pal and they told me it would be 10 days to resolve. Later yesterday I decided to follow up and I moted that pay pal closed the case. I called and they saud they closed it because on their end it looked like I did it. So my computer was hacked?? The same thing happen 4 days prior and they immediately recoved the money. What would make them close it? I appealed it and somone at Pay Pal noted there is evidence that someone was in there and was involved as a hacker or scammer. They reopened the case, but I want this to be resolved as Pay Pal had no right to just close the case and not even tell me or give me a chance. Instead they paid the person the {$600.00}. I want this matter resolved. I reported it to the FTC and I'm waiting for the local police department to come by now and take a report. I will provide all of this to Pay Pal so they can not make such a harsh decisin that I'm guilty. They should have investigated it since it happen 3 days before on a seperate incident. They did not do their job

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
Received a mail statement for XXXX XXXX XXXX. It said I owed XXXX dollars taken out on XX/XX/year>. The only explanation says " credits '' by the amount owed. Months ago, I put {$1400.00} on this account and paid it off immediately. Have not used the account since. Did not even get a physical card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
immediate release and payout of the {$2000.00} owed to me regarding the unauthorized account activity I disputed back in XXXX. It has now been nearly six months, and this prolonged delay is causing severe financial hardship. From the very beginning, I have provided overwhelming, irrefutable documentation proving my account was compromised when my phone and wallet were stolen while I was entirely incapacitated and unable to access my account. The comprehensive evidence I have uploaded includes : Official Police Report & Arrest Warrant Eyewitness Testimony Proof of My Whereabouts & Bill of Sale Following my last upload, your team explicitly stated that my funds would be released. You have all the necessary verification, the fault has been cleared, and there is absolutely no justification for further delay. I have fully cooperated and complied with every request for nearly half a year. I require immediate payment of my funds today. Please escalate this directly to a supervisor or the fraud operations management team for instant resolution and reply with confirmation of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I APPLIED FOR A CHECKING ACCOUNT WITH TD BANK, I WENT THROUGH MULTIPLE FRAUD SCREENINGS ONLINE WHEN I OPENED THE ACCOUNT INCLUDING OTP, DRIVERS LICENSE UPLOAD ALONG WITH A PICTURE OF MY FACE THE ACCOUNT WAS APPROVED THEN IMMEDIATELY BLOCKED I CALLED CUSTOMER SERVICE TO SEE WHATS GOING ON AND THE LADY WAS USELESS SHE SAID YA ITS BLOCKED AND SAID GO TO A BRANCH I SAID WITH WHAT? SHE GOES YOUR ID PROBABLY.... WHAT DO YOU MEAN PROBABLY? THIS IS AN ABSOLUTE JOKE I WANT THE RESTRICTION REMOVED I AM NOT GOING TO A BRANCH I CAN PROVIDE YOU DOCUMENTS VIA FAX EMAIL OR MAIL BUT I AM NOT GOING TO A BRANCH I AM TOO BUSY AND TRAVEL TOO MUCH I HAVE XXXX TIME, I RECENTLY MOVED TO FLORIDA I HAVE ATTACHED MY CURRENT DRIVERS LICENSE AND I HAVE ATTACHED A CURRENT BANK STATEMENT TO PROVE MY NEW ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Caribou Financial, Inc.
State: AZ

Complaint narrative:
I refinanced my auto loan through Caribou, which arranged a new loan with XXXX XXXX XXXX XXXX. The refinance was approved and finalized about a month ago, and XXXX XXXX XXXX XXXX sent a payoff check to my original lender, XXXX XXXX XXXX XXXX. After reconsidering, I decided I wanted to keep my original loan with XXXX XXXX XXXX XXXX. Before the payoff check was processed, I contacted XXXX XXXX XXXX XXXX and requested that they shred the check rather than apply it to my loan. XXXX XXXX XXXX XXXX complied, and the check was never used to pay off my existing loan. I then contacted XXXX XXXX XXXX XXXX and requested cancellation of the refinance loan since the payoff check was never negotiated or applied to my original loan. XXXX XXXX XXXX XXXX directed me to contact Caribou. However, Caribou has stated that they can not cancel the refinance because it was approved approximately one month ago. My position is that the refinance transaction was never completed because XXXX XXXX XXXX XXXX never cashed or applied the payoff check. As a result, my original loan remains active with XXXX XXXX XXXX XXXX. I am requesting that the refinance loan with XXXX XXXX XXXX XXXX be canceled since the payoff funds were never used and the refinance was never effectively completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am a customer of Webster Bank ( XXXX XXXX ), holding a savings account with an active liquid balance of {$33000.00}. As of XX/XX/year>, the institution is actively restricting my access to my funds and preventing me from moving my capital. When attempting to initiate an online transfer or wire out of the institution, the banking portal blocks the transaction entirely, rendering an error code stating : " You do not have enough eligible accounts to make a transfer. '' Furthermore, the institution has entirely omitted or removed self-service wire transfer functionalities from my online portal. I have made repeated, exhaustive attempts to resolve this directly with the bank, but I have been placed in an unresolvable loop : I have spoken to several representatives over the phone. During these security screenings, I successfully provided the last 4 digits of my SSN, my driver 's license number, and successfully answered all of their identity verification questions. Despite fully passing their authentication, they still refuse to lift the backend freeze on my funds. I sent a secure message through the Webster Bank online portal explaining the issue. The bank 's only response was telling me that I " have to call in. '' I called back as instructed, passed verification again, and the account remains hard-frozen. Because of these digital blockages and the bank 's total failure to resolve this via phone or secure message, I am being forced to drive a massive distance from XXXX XXXX this coming Saturday just to attempt an in-person cashier 's check withdrawal at a physical branch. To make matters worse, the bank intends to charge me an additional manual check fee for a transaction I am only forcing them to print because their own phone and digital support systems are completely broken. By hard-blocking standard transfer mechanisms on an account with over {$33000.00} in cleared capital and refusing to unlock it after full identity verification, Webster Bank is causing direct financial harm, creating an artificial freeze on my liquid assets, and withholding my property. I request that regulators compel Webster Bank to immediately lift all backend transactional restrictions on my account, waive any manual withdrawal fees incurred due to their system errors, and allow me to withdraw my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Spring Oaks Capital frequently will call and text me before XXXX, they will call and text me on the weekends. I informed them that this is not my account, I have no knowledge of the account and to stop contacting me and they are still pursuing me. I tried disputing this account but my dispute was denied, even though I do not owe Spring Oaks Capital nor do I have an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Subject : Ally Auto Loan Failure to Provide Payoff Documentation Following Total Loss Claim I am filing a complaint regarding Ally Auto 's handling of my auto loan after my vehicle was declared a total loss. On XX/XX/year>, my vehicle was involved in an accident when another driver hit me. The other driver 's insurance company, XXXX XXXX, determined that my vehicle was a total loss. I promptly notified Ally Auto of the situation and provided the necessary information. In order to process the claim and issue the payoff check, XXXX XXXX requested a Letter of Guarantee from Ally Auto. XXXX XXXX submitted a formal request to Ally on XX/XX/year>. Ally advised that the letter would be provided within 10 business days, but it was not. After more than 10 business days passed without the required documentation being provided, XXXX XXXX submitted a second request on XX/XX/year>. I have now been informed that Ally does not expect to provide the Letter of Guarantee until XX/XX/year>, causing additional delays in the settlement of my total loss claim. Throughout this process, I have made numerous attempts to contact Ally Auto for assistance and updates. However, I have been unable to reach a representative by phone. I have spent over an hour on hold multiple times, only for the call to disconnect before I could speak with anyone. I have also contacted Ally through its chat service, but I have not received any meaningful assistance or resolution. Representatives continue to direct me to call, despite the fact that I can not get through to anyone by phone. As a result of Ally 's failure to timely provide the requested Letter of Guarantee and its lack of accessible customer service, the payoff of my loan has been unnecessarily delayed. This has caused significant frustration and uncertainty during an already difficult situation following the loss of my vehicle. I am requesting that Ally Auto immediately provide the required Letter of Guarantee to XXXX XXXX, complete any remaining steps necessary to process the payoff, and explain why the documentation was not provided within the timeframe originally promised. I would also like Ally to address its inability to provide reasonable customer service and communication regarding this matter. Thank you for your assistance.

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 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App permanently deactivated my account for alleged violations of its Terms of XXXX and referenced suspected fraudulent activity. I contacted Cash App multiple times and requested the specific reason for the closure, the transaction ( XXXX ) involved, and the specific Terms of Service violation. Cash App refused to provide this information and only gave generic responses. I deny engaging in fraudulent activity and used my account for legitimate transactions with friends, family, and customers. Cash App denied my appeal, stated its decision was final, and closed my support case without providing a meaningful explanation. I am requesting a detailed explanation of the account closure and an independent review of the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the following information in my file. I have recently reviewed my credit report and identified items that are inaccurate, unverified, and do not reflect my true financial history. Pursuant to 15 U.S. Code 1681e ( b ), your agency is required to follow reasonable procedures to assure maximum possible accuracy. The reporting of the items listed below indicates a failure in these procedures.

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