vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
STATEMENT OF FACTS I am the holder of a PayPal account and hereby submit a complaint against PayPal ( XXXX ) XXXX XXXX. et XXXX, XXXX. in relation to a transfer/refund which PayPal considers completed but which has not been received by my banking institution, and for which PayPal has failed to provide the XXXX required to trace the transaction. 

Specifically : PayPal indicates that a transaction has been refunded/completed to my XXXX account XXXX XXXX  debit card ending in XXXX. 

The account statement shows the reference : * PAYPAL XXXX. 

Amount : MXN XXXX. 

PayPal Transaction ID : XXXX. 

Merchant : XXXX XXXX XXXX de XXXX. 

Date and status : PayPal displays the refund as full and completed. 

However, the amount has not been credited to my bank account, and my bank ( XXXX ) has informed me that it is unable to trace the transaction without the XXXX XXXX XXXX XXXX XXXX XXXX ). 

I have expressly requested that PayPal provide the XXXX or the corresponding bank transfer confirmation, and PayPal has refused to do so, merely stating that the transaction appears as completed in its internal system, without providing any verifiable banking evidence. 

This conduct prevents me from exercising my rights as a payment services user, since without the XXXX it is impossible to verify the actual destination of the funds or to determine whether the transfer was effectively sent to the banking institution or whether there has been an incident in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
CR SYST INTR is falsely reporting on my credit. I have never had any accounts with them. Per my research CR SYST INTR 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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Credit card company lowered my available balance when my card was current putting me in financial hardship and loss of home loan for XXXX veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the handling of my private student loan hardship request by Firstmark XXXX Services. 

I have a strong payment history and have consistently made payments on time. However, my monthly payment increased significantly over a short period, which contributed to my financial hardship. Specifically, my required monthly payment increased from {$230.00} to {$270.00} within a four-month period ( from XX/XX/XXXX to XX/XX/XXXX ). A copy of my payment history downloaded directly from my Firstmark account is attached and shows this escalation. 

On XX/XX/XXXX, I emailed Firstmark requesting payment assistance due to financial hardship. I specifically requested a short-term forbearance of approximately XXXX  months to stabilize my finances, noting the rapidly increasing payment amounts. 

On XX/XX/XXXX, I received a brief response stating that I had no forbearance time available, with no additional explanation or discussion of alternatives. I replied the same day requesting clarification and further explanation, which is attached. 

Also on XX/XX/XXXX, I called Firstmark and spoke with a customer service agent. During this call, I explained my financial hardship and the recent escalation in payment amounts in detail. The agent stated that I had no forbearance time available and offered no alternative relief options. I was told that the only circumstance under which assistance might be available would be if a natural disaster occurred and the XXXX government issued disaster relief for my area. 

Following this call, and dissatisfied with the lack of assistance or explanation, I sent a follow-up message on XX/XX/XXXX through XXXX online portal again requesting hardship assistance. 

Subsequently, Firstmark issued multiple written denial letters that were substantively identical, each stating only that I have no additional forbearance time available based on loan program regulations. No individualized explanation was provided, no review of my account history was discussed, and no alternative optionssuch as temporary payment reduction, interest-only payments, or other internal hardship programswere offered. 

I am not disputing my obligation to repay my loan. I am requesting reasonable, temporary assistance or a clear and individualized explanation of eligibility criteria and available options so that I can remain in good standing. Repeated form denials without meaningful review or explanation prevent me from responsibly managing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Credit acceptance trying to get money for a vehicle that was paid for book value of the car by personal car insurance. The vehicle was repossed and before picked being charged high monthly payments by credit acceptance due to inaccurate information on my credit report I tried to fix this problem over several occasions the car came with no warranty and while making payments I had to pay for fixing so that it would run I am XXXX it's not like I can take money out of my account that that does not really need to be taken out because credit acceptance was paid book value of the vehicle and don't owe them anymore money

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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Citi requires me to create a new digital account for a new card. Ive been a member since 2023. I got a new card and lost over XXXX thank you points. No warning, nothing. Didnt even know I lost them. Today I decided to close my account due to this constant UI issues and absolute slog fest it is getting the app set up after getting a new card. I told them I wanted to cancel, got transferred on the call. First Lady straight up ended the call with no warning after saying she needs to put me on hold. Second guy tried to convince me for a while to stay. I kept telling him no man I want to close it. He finally agreed, with total attitude change. Got short and annoyed with me. I asked about my thank you points and he said well you only have XXXX. I said thats impossible because I have an email right here from XXXX saying I have over XXXX. He said sorry since this account only shows XXXX theres nothing we can do. This is absolutely not acceptable to go back on these points that Ive earned.

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 non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have repeatedly disputed with the company, wells Fargo that this account is not mine. It was open unauthorized and fraudulently. They refused to open an investigation. They refused to acknowledge my complaint. They refused to make this correct. They have adversely affected my credit score by reporting a negative account that is wrong. It's adversely affecting my financial life. I want this resolved by them, Removing the account for the credit report and reporting that the account was not mined to the credit agency so that I can be made whole.

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 non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I submitted a request for a {$7.00} refund with CashApp. The recipient no longer has access to the account and they are unable to withdraw the money as a result. I appealed the decision on XX/XX/year> and provided CashApp with documentation from the recipient stating that they no longer had access the account. I was denied again. I told them that Its unfortunate that the money is being held hostage and no one is able to obtain it. To many people, {$7.00} is not a lot of money, but its the principle. CashApp should do the right thing by their customers and refund the money. Ive been a loyal customer for years and I didnt want it to get to this point, but they told me that I only had one chance to appeal and I cant appeal it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I got a copy of my Trans Union Credit report. I saw an account opened for XXXX XXXX. I have never had a XXXX XXXX credit card. I tried calling XXXX XXXX to investigate such account and they can't find any account with my personal information. I feel this fraudulent account was added to my credit report, thus hurting my fico score. I need this removed immediately. 15-U.S.C. 1681 : Governs credit reporting agencies and requires them to ensure accuracy and fairness, providing rights for consumers to dispute inaccurate or fraudulent information. I demand this be removed immediately from my report. I have tried to file a dispute with Trans Union about this matter. Also, this is an unknown address on this credit report ; XXXX XXXX XXXX XXXX, MN XXXX. I've never ever lived outside of North Carolina. This also need to be removed from my credit report.

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 2026-01-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Cordoba Legal Group, PLLC.
State: GA

Complaint narrative:
I signed up with Corboda because they offered a fast way to get my debts settled. Come to find out they take your money and set it aside to pay creditors later. This was not disclosed to me in the beginning. I ended up getting sued. I have canceled my account with them but I am not being responded to when I ask for my money back. They took {$410.00} and did not settle any of my debts. So they did not do what they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Accenture LLP
State: TN

Complaint narrative:
In XX/XX/year>, while on approved short-term XXXX leave from my employer ( Accenture ), I received disability-related wage payments coordinated between Accenture and its insurer XXXX XXXX. Despite submitting medical documentation in good faith, XXXX denied the claim after the fact. Accenture later asserted that the payments constituted an overpayment and demanded repayment of approximately {$3600.00} ( net ). 

Beginning around XX/XX/year>, I began receiving repeated voicemails and emails from an individual claiming to be a legal representative or debt collector acting on behalf of Accenture and/or an entity called XXXX XXXX XXXX These communications included threatening language, references to my future, and statements implying the debt had been or would be reported to credit bureaus. 

The caller also threatened to contact third parties ( family members ), which I understand is prohibited under the Fair Debt Collection Practices Act. Despite these collection attempts, I was never provided with a legally required written debt validation notice identifying the creditor, the amount owed, my right to dispute the debt, or proof that XXXX XXXX owns or is authorized to collect this debt. 

As of today, no collection account appears on my credit reports, contradicting the representations made in the voicemails. The continued contact appears designed to intimidate rather than comply with federal consumer protection requirements. I dispute the debt in full and believe the collection activity violates the FDCPA, including failure to provide validation, misleading representations, and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I bought a refrigerator through Acima in XXXX. I never missed a payment and had never been late. I ended up paying over {$3000.00} for a refrigerator that was worth approximately {$1700.00}. On the XXXX to last payment my card did not go through because it had expired. Acima also had my bank account information and took the payment directly from my bank account, the same day.This left only XXXX, {$130.00} payment and it would be paid off. A few weeks later I received a notice from Acima stating I owed {$2800.00} and if not paid immediately, I could owe as much as {$4000.00}. They claimed that because my card did not go through It defaulted the payoff agreement. I refused to pay them and they continued to take XXXX more {$230.00} payments from my bank account when my pay off payment were {$130.00}. I finally had to have my bank block them. Im constantly worried they will find another way to take money from my account. When I rented my house, the down payment did not go through because Acima XXXX business tax ID number was exactly the same as the leasing company i was leasing the house through. I have a statement from the manager at the bank. She verified that Acima was using another company 's business ID number. Around the XXXX week of XX/XX/XXXX, they started calling and leaving threatening messages. Now they have a location company trying to find my residence so they can repo the refrigerator.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
In XX/XX/year>, my mortgage servicer began charging me for property taxes through my escrow account, claiming my monthly payment had increased from approximately {$1300.00} to over {$3400.00}. However, I am a 100 % XXXX veteran and my primary residence is fully exempt from property taxes under Illinois law. I provided official exemption documentation from XXXX XXXX assessor to the servicer in early XX/XX/year>. 

Despite acknowledging receipt of the exemption, the servicer : Continued to include tax charges in my escrow Raised my monthly payment multiple times without valid cause first to {$3400.00}, then to {$1700.00}, then to {$2000.00}, and back to {$1700.00} Misapplied my XX/XX/year> payment of {$1700.00} into a suspense account instead of crediting my mortgage, then reported my account as delinquent Sent conflicting statements with inconsistent balances, dates, and payment amounts Issued delinquency and default notices while my formal written dispute was pending Failed to correct errors after acknowledging the exemption and receiving my notice of error Has called daily from unidentified numbers, claiming to be debt XXXX, despite the active dispute I filed a complaint with the CFPB in XX/XX/year>. The companys response did not resolve the issues. My account still does not reflect the correct fixed mortgage payment or the property tax exemption, and I continue to be harassed for the amount that has not been fixed, and conflicting information.

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 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a promotional balance due XX/XX/XXXX. My payment on XX/XX/XXXX failed due to the funding account. I proactively contacted Synchrony on XX/XX/XXXX and explained the situation. 

I asked specifically how to avoid fees and interest and whether I should submit a duplicate payment that day. The Synchrony representative told me the promotional expiration would be extended by 30 days and that this would prevent any interest from being charged. 

Relying on this guidance, I paid the full balance on XX/XX/XXXX. The promotional interest was waived as promised. However, on XX/XX/XXXX, Synchrony then charged nearly {$600.00} in trailing interest for the period between XX/XX/XXXX and payment something that was never disclosed to me. Only later, after calling in did I learn that the expiration date was never moved back. Instead, there was an automatic grace period that is given to all customers for the promotional balance to be paid, and during that time, trailing interest is accrued. 

Had I been told that the expiration date was not moving, and that trailing interest would apply, I would have immediately made a duplicate payment on XX/XX/XXXX. 

This charge resulted directly from incorrect guidance provided by XXXX agent. I paid the trailing interest charge today to avoid any further potential interest and fees. I am requesting a full reversal and refund of the trailing interest.

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 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I was made aware of a debt on XX/XX/XXXX when I pulled my credit and say a delinquent account. I called and requested information and paid in full XX/XX/XXXX and emailed XX/XX/XXXX when it cleared my account to request a paid in full and deletion letter. The letter they sent back had a statement " If any portion of the payment ( s ) is returned this letter will be null and void ''. I requested since the payment cleared could they send a deletion letter or a letter showing my account is closed for the bureau. They refused said they could not send anything and will notify the bureaus on XX/XX/XXXX and they can not and will not do anything sooner. I would like a letter without that statement since the payment cleared my bank and they were send a screenshot of that XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding Capital One ( Kohls Card ) for repeatedly failing to properly investigate and resolve a clear case of identity theft and fraud, despite extensive documentation, multiple follow-ups, and repeated assurances that the issue would be corrected. 

Approximately XXXX years ago, my identity was stolen when someone attempted to open a Kohls credit card in my name. I discovered this only after a credit inquiry negatively impacted my credit report. I immediately contacted Kohls application department, identified the fraudulent address and personal information used, and enrolled in credit monitoring services. 

At a later date, I legitimately opened my own Kohls credit card. My last legitimate purchase was on XX/XX/XXXX, and my last payment was made on XX/XX/XXXX, which resulted in a positive balance of {$7.00} owed to me. There was no further use of the credit line after this date. 

Despite the prior fraud alert and the account being in good standing, Capital One mailed a physical credit card to the previously identified fraudulent address. The first fraudulent charge occurred on XX/XX/XXXX. A total of XXXX unauthorized charges were made over a six-day period. 

My credit was negatively impacted in XXXX XXXX, which is when I first became aware of the fraud. I contacted Capital Ones fraud department immediately and filed a fraud report. I also filed a police report on XX/XX/XXXX and provided Capital One with the police report number. 

I followed up with Capital Ones fraud department multiple times, including on XX/XX/XXXX, in early XX/XX/XXXX, twice on XX/XX/XXXX at approximately XXXXXXXX XXXX, and twice again on XX/XX/XXXX. In total, I have spoken with Capital Ones fraud department at least XXXX times. 

During these calls, I was repeatedly told the issue would be resolved. Instead, I was required to file new fraud complaints or resubmit information that had already been provided. I was later informed that the original fraud claim had been filed incorrectly by Capital One. After multiple updates and escalations, I was then told the claim was closed due to an incomplete filing, which is not accurate, as all requested information had already been provided in full. 

Despite these repeated contacts and corrections, no meaningful action has been taken, and I have received collection notices for charges that are the direct result of identity theft. 

After multiple escalations, Capital One managers confirmed that all necessary information is documented in the system but could not explain why the issue has not been resolved.

Company response to consumer: Closed with monetary relief