vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
3 charges came out of my citizens bank checking account! Two for XXXX each and another for XXXX! Total XXXX days from XXXX XXXX I have been scammed for XXXX! Citizens bank instead of reversing the charges back to my account did not do anything! Those charges are still on hold! Citizens bank says they are investigating and gave me a claim number which is XXXX! Citizens bank fraud dept claimed they do not know how long the investigation will take! Iam disappointed with citizens bank! My account now show only about XXXX XXXX since citizens bank refused to credit my XXXX XXXX back to me even though the XXXX XXXX was charged my account from a fraud online company located in XXXX XXXX! This all happened Thursday XX/XX/2026! I dont know why citizens bank doesnt protect there customers against fraud! Since the charges were on hold citizens could have stopped the charges from going through and refund my account! Citizens bank did not do this! Citizens bank should be investigated and should be held responsible for my XXXX XXXX scam transactions!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
b'This is regarding XXXX XXXX XXXX XXXX XXXX XXXX borrowed $XXXX and paid it back in 6 months.\nPaid interest and they continued to charge me late fees after I paid balance and late fees.\nNow they reported me to credit agency and my score went down XXXX points.\nI told them I want this account closed, but they still charging me as if I still owe them money.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I'm a victim of the same city tracking fraud scam on XXXX. The seller XXXX used a tracking number from a completely different Amazon package shipped to different resident in my city, PayPals automated dispute system denied my claim because the city and zip code matches without checking the complete physical address. I attached official XXXX XXXX XXXX printout proving tracking number XXXX is an Amazon tracking number not a XXXX XXXX XXXX number for an XXXX item. The XXXX XXXX XXXX printout proving package was delivered to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ms XXXX No package was delivered to my address : XXXX XXXX XXXX XXXX XXXX. Telephone XXXX XXXX Ms XXXX PayPal is violating Regulation E by failing to investigate this clear documentation of fraud that I am claiming and have investigated myself.

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 2026-06-12 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: NM

Complaint narrative:
I have tried to dispute a {$20.00} charge that the merchant promised me. They never credited me and I notified Paypal Paypal that made it very difficult to dispute the {$20.00} difference. They blocked me from uploading documents to their dispute center and then they continue to close the dispute without allowing me to upload the documentation. Ive talked to new people and they just refer me to other departments that disconnect me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2026, I withdrew my PayPal balance of USD XXXX to my bank account in XXXX ( XXXX ). PayPal only informed me of a USD XXXX transaction fee before I confirmed the transfer, so I expected USD XXXX to arrive at my bank. However, only USD XXXX was credited to my bank account. That means USD XXXX disappeared during the transfer without any prior notice, explanation, or consent from me. PayPal only disclosed the USD XXXX fee. The real total cost of the transaction was USD XXXX, which represents 29.6 % of the amount sent. Had I known the actual cost, I would not have accepted the transaction. I filed a formal dispute with PayPal on XX/XX/2026 ( Case ID : XXXX ), requesting a refund of USD XXXX and a detailed explanation of where those funds went. PayPal has not yet responded. PayPal is obligated to disclose ALL fees and costs before a transaction is confirmed, including XXXX XXXX fees and exchange rate differences. Showing only USD XXXX when the real cost was USD XXXX constitutes incomplete and misleading disclosure that violates consumer financial protection standards. I request : ( 1 ) Refund of USD XXXX withheld without disclosure. ( 2 ) Full explanation of where those funds went. ( 3 ) That PayPal be required to show the complete real cost before confirming future withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
I purchased my home in XXXX with a mortgage payment of {$1600.00}, as of XX/XX/XXXX the new payment is over {$2100.00}. When I called to inquire about the increase I was told by Sunday that the " anticipation '' of the insurance and property taxes that are due between XXXX and XX/XX/XXXX, the increase was added for the escrow. I told her you don't know what the amount will be and I can truly pay it myself. Trying to justify raising my mortgage to over $ XXXX a month on an assumption is not acceptable. Movement Mortgage is not my only monthly expense, and this is an inconvenience and puts me in a financial bind. I am not trying to live from paycheck to paycheck because of their assumptions. This needs to be corrected and I do not need a phone call trying to explain that it's protocol to increase mortgage payments to make sure the escrow can cover the payments. As stated, before I can make my own payments to the tax and insurance company. But I will not get in extra debt over a mortgage payment that is over {$2000.00} a month!!! XX/XX/XXXX I was charged over {$96.00} for late fees when I inquired about it I was told by Sunday these fees are from XXXX and XX/XX/XXXX!!!!! They waited almost a year to charge me even though I was not late. This is ridiculous what company waits over 6 months to charge a late fee? Not one company does that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
So I have an account on Cash App and I recently turned XXXX and once you turn XXXX your sponsor is supposed to let go of your account and you have to verify your identity. Once you turn XXXX well I canceled my sponsorship and its not letting me verify my ID I called the company and they said that there was really nothing they can do about it. Just wait a couple of days but I dont have a couple of days. I have money in that account that I need to get Out, but they also told me once I cancel my sponsorship. I can verify my identity, but it keeps telling me that I have tried too many attempts and I have to wait a certain amount of days to try it again, but Ive only tried doing verifying my identity once and it wont let me do it again and they wont fix that issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates keeps calling me regarding a XXXX account which reported incorrectly as it states account was opened 2025 which is inaccurate.They stated that they were trying to collect a debt and if I was willing to settle for half the due amount. I asked for correspondence to be mailed to me which they said they did but I never received any notification or notices of debt. They called from different numbers trying to disguise themselves. They are very aggressive and annoying. Stop harassing me. I was told I could get garnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am filing a complaint regarding an extended hold placed on a check deposit in the amount of {$3800.00} at TD Bank. My account is well established with TD Bank, with a long history of deposits and no overdrafts or negative account activity. Despite this, the bank has placed a hold on my deposited funds without providing a clear or specific justification. Under Regulation CC ( 12 CFR Part 229 ), banks are generally required to follow standard funds availability rules, including next-business-day availability for a portion of deposited funds and full availability within standard timeframes unless a valid exception applies under 12 CFR 229.13. In my case, TD Bank has not provided : * A specific and documented reason for the hold * The exact exception category being applied under Regulation CC * A clear and confirmed date when the funds will be fully available Given my account history and lack of risk factors, I believe this hold is excessive and not properly justified under Regulation CC guidelines. I am requesting : 1. Immediate review of the deposit hold 2. Written explanation of the legal and factual basis for the hold 3. Confirmation of the exact release date 4. Release of any funds that are eligible for partial availability under Regulation CC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I am writing to file a formal complaint against the Department of Education and my loan servicer regarding an egregious administrative delay in processing my Public Service Loan Forgiveness ( PSLF ) Buyback request.I hit XXXX qualifying PSLF payments on my older loan series and subsequently completed the required certified public service employment for the remaining 9 months. I submitted my official PSLF Buyback request through StudentAid.gov to buy back those 9 months of administrative forbearance, which would bring this loan series to the absolute XXXX threshold required for complete discharge.My application has been stalled in the manual review backlog for months. I have escalated this issue twice through the XXXX XXXX XXXX ( XXXX ) Ombudsman, only to receive generic responses stating " we can't provide an update. " This administrative stalling creates an immediate financial and regulatory risk. I am currently enrolled in an active Income-Based Repayment ( IBR ) plan with a certified monthly payment of {$0.00}, which is stable through XX/XX/year> based on my verified income. Per the Department of Education 's buyback guidelines, my buyback amount must be calculated using the qualifying IDR payment plan amount immediately following the forbearance period. Because my current certified IBR tier is {$0.00}, my total buyback lump sum obligation for these 9 months is legally $ XXXX ongoing processing delays threaten to push my application evaluation into a period where my income XXXX change, unfairly penalizing me for a backlog caused entirely by agency delays.

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I see a debt under my name placed in collection but this is not mine and i dont know what is this exactly i have tried to resolve this and i had call multiple times to the phone number i have but this is still afecting me, actually i send a letter before asking to send me autentication of this debt and i also wanted to pay for delete, i wanted to pay the full amoun knoing is not actually mine but just trying to solve this. CAINE & WEINER {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
I am a victim of severe, multi account identity theft from a physical wallet theft. Ford motor credit company XXXX previously attempted to sue me for this fraudulent account in the justice court case number XXXX the amount of {$14000.00}. On XX/XX/XXXX, a formal notice of dismissal was entered and a court records explicitly reflect a balance to zero dollars despite dismissal showing a XXXX balance for credit is willfully violating the fair credit reporting app by continuing to report this {$14000.00} fraudulent debt on my credit file. They sent an automated dispute on XX/XX/XXXX, falsely claiming the account was verified. This is a blatant violation of federal law. They can not legally report a debt that was opened via identity, theft, and subsequently dismissed in. I have attached the official court. Register of actions alongside my FTC identity, theft, affidavit, and local police report. Under section 605B of the FCRA, I demand this fraudulent trade line be blocked and permanently deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
I recently received a notice from Cash App stating that my account was deactivated because they found activity that allegedly violated their Terms of Service. However, Cash App did not provide any specific details regarding the alleged violation, the transactions involved, or the basis for their decision. As a consumer, I believe I have the right to understand why my account was closed and what activity led to this action. Without this information, I am unable to determine whether the closure resulted from a misunderstanding, an error in their review process, or possible unauthorized activity involving my account. I respectfully request that Cash App provide : 1. A detailed explanation of the specific Terms of Service violation they believe occurred. 2. The date ( s ) and transaction ( s ) related to the alleged violation. 3. Confirmation of whether the account closure was the result of an automated review or a manual investigation. 4. A fair review of my account and an opportunity to appeal the decision if appropriate. I have attempted to obtain clarification but have not received a meaningful explanation. I am requesting the CFPBs assistance in obtaining information regarding this account closure and ensuring that Cash App responds to my concerns. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A XXXX XXXX EUR international wire transfer was sent to me from XXXX to my XXXX XXXX XXXX account. The intermediary bank is Bank of America. The market exchange rate is XXXX = XXXX EUR, or XXXX EUR = XXXX USD. Yet I received only XXXX USD instead of {$12000.00}, which means that the exchange rate used was XXXX USD = XXXX, or XXXX EUR = XXXX USD. I need assistance to recover the of my {$340.00} that Bank of America illegally skimmed from the wire transfer. The international wire transfer was explicitly marked with a cost direction of 'OUR ', meaning the sender paid all transaction costs in full upfront. Bank of America acted as the intermediary gateway. Instead of executing a standard transfer, Bank of America extracted an artificial, un-disclosed markup of nearly 3 % on the foreign exchange spread, skimming {$340.00} out of the principal XXXX amount before routing it domestically. I am requesting a refund of this hidden fee, as it violates the intent of the 'OUR ' remittance instruction. XXXX Number : XXXX Bank Reference : XXXX Amount Sent : XXXX EUR Recipient of the payment message : XXXX -- BANK OF AMERICA XXXX XXXX Date and time wire message sent : XXXX XXXX Cost direction : OUR ( the sending bank in XXXX paid for all transfer and wire fees and commissions ) Expected vs. Received : Expected {$12000.00} USD ; Received {$11000.00} USD. Total Loss : {$340.00}

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 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NC

Complaint narrative:
Contract Callers is reporting a XXXX XXXX collection for {$1800.00} that is inaccurate and unverified. I disputed this with XXXX, and my report shows : Account information disputed by consumer and This item was updated from our processing of your dispute in XX/XX/2026. I was never provided any proof that this debt belongs to me. My XXXX report also shows repeated errors such as Invalid date, and the balance changed from {$1800.00} to {$1800.00} with no explanation. No itemized bill, proof of ownership, or proof of assignment was ever provided. I am requesting that the CFPB require Contract Callers and XXXX to either provide proper validation or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
My original XXXX XXXX XXXX bill had fraudelent charges accrued due to a security data breach of my personal information. I received a small compensation and acknowledgement from XXXX XXXX XXXX legal. But the account was sent to collections and I didnot receive any notices or corresponding statements, documents or information from the debt management company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I have a mortgage on my home in XXXX XXXX, Florida ( XXXX XXXX. XXXX, serviced by Carrington Mortgage Services , LLC ). In response to my prior CFPB complaint ( XXXX XXXX. XXXX ), Carrington officially identified the noteholder/investor of my loan as XXXX XXXX XXXX XXXX XXXX in their written response dated XX/XX/XXXX. On XX/XX/XXXX, Carrington submitted a second CFPB response identifying the noteholder as XXXX Mortgage Loan Trust XXXX a completely different and legally separate mortgage trust. No documentation, assignment, or explanation was provided for this change. On XX/XX/XXXX, Carringtons foreclosure attorneys, XXXX XXXX XXXX XXXX, filed a foreclosure lawsuit against me in XXXX XXXX XXXX XXXX ( Case No. XXXX ) certifying the noteholder as XXXX XXXX XXXX XXXX XXXX the same entity named in their second CFPB response, which directly contradicts their first. Additionally, MERS records for my loan ( MIN XXXX ) have identified XXXX additional entities XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as the investor at various times. That is XXXX different entities identified as my noteholder with no explanation. When I questioned this, Carringtons only response was a verbal statement that the investor has remained unchanged with XXXX documentation to back that up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am following up with American Express to re-open a dispute on my account. The product was a knife sheath that was defective upon opening it. The seller is trying to say I never reached out to them, but I have the chat logs to prove them otherwise. I had to follow-up multiple times for the seller to even respond to me, because I was just getting automated messages. American Express asked for the documentation proving I contacted the seller prior to filing this dispute. I have attached this documentation to this complaint. DISPUTE REFERENCE INFO : XXXX XXXX XXXX XXXX Number : XXXX Account Ending In XXXX

Company response to consumer: Closed with monetary relief