vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
on XX/XX/XXXX i sent my daughter XXXX XXXX {$86.00} ( XXXX XXXX ) she has XXXX accounts. She never recieved money after checking accounts .. after XXXX phone calls to pay pal it was determined their system sent to wrong person. the Supervisor then stated because i used reason on app ( family/friends ) he could not under their policy refund {$86.00}. He then stated for me to contact person in error and request it back! i did send a message not sure that is going to pan out. I am a senior and on a fixed budget. I believe in there error or computer error is not my fault. As of now i am out of {$86.00} and turning to your office for assistance in regaining my {$86.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am submitting a follow-up complaint regarding my Apple Card account issued by Goldman Sachs Bank USA XXXX In their prior response, the bank stated that I received a temporary promotional increase in XXXX XXXX rewards for 185 days. However, they failed to provide any documentation demonstrating that I was clearly informed of the material terms of this promotion. Specifically, I was not provided with clear disclosure of : The exact reward percentages associated with the promotion The temporary nature of the increased rewards The expiration date or conditions under which the rewards would change The bank claims that no documentation is available because the promotion was issued electronically. This is not an acceptable explanation. Financial institutions are expected to maintain and provide records of the terms and disclosures that directly impact a consumers financial product and decision-making. Additionally, my transaction history reflects elevated reward percentages over a sustained period of time. This reasonably created the understanding that these rewards were part of my standard account benefits, not a limited-time promotion. At no point did I receive a clear, conspicuous, or verifiable notice that the rewards structure would change. This represents a failure of proper disclosure and creates a misleading impression of the products terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
I have attempted to obtain information from XXXX XXXX XXXX and also to have my buyback request processed with no regard. There are XXXX missing months on the XXXX XXXX XXXX 's website. They should be present and indicate whether they are qualifying or non qualifying but are absent entirely. Those dates are XX/XX/XXXX ( which I was told was paid and qualifies ), XX/XX/XXXX, and XX/XX/XXXX which AI was told were in forbearance. I was informed that they couldn't tell me the kind of forbearance or if they would qualify for buyback. When I contacted MOHELA they told me that they could not see them on their end either and to contact XXXX XXXX XXXX. I contacted both agencies with no resolution. XXXX XXXX XXXX said they could see them on their end and were not sure why I, or MOHELA couldn't see them. I asked to have these missing dates sent to MOHELA and myself and was told that they could not do that. I have XXXX qualifying payments from XXXX and well over 120 months of qualifying employment, but I waited several more months to apply for buyback due to this lack of transparency. I also recertified my employment again. I need only 8 months to buyback to reach 120 qualifying months for PSLF. I applied for buyback on XX/XX/XXXX and inquired several times about the status of the application. My last inquiry/feedback case was submitted on XX/XX/XXXX due to my buyback application pending for over 11 months and I received an email on XX/XX/XXXX stating that they can't assist me with my inquiry or provide me with an estimated resolution timeframe. I am eligible for PSLF pending buyback determination. This delay is preventing my account from reaching 120 qualifying payments and receiving PSLF. Due to this inaction I will be required to transition into another payment plan and resume payments which would cause undue financial harm.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I was attending my daughter 's friend 's birthday party in XXXX and I received a text message alert from Bank of America regarding a possible fraudulent charge. I looked at my account from my phone on the Bank of America app. I saw a charge from XXXX for {$15000.00} that was denied, then I saw a second charge from XXXX that took place right after the failed transaction for {$15000.00} at XXXX XXXX # XXXX, but the second transaction went through. Right away I called Bank of America to report the fraud ( around XXXX on XX/XX/XXXX ). The opened up an investigation, Claim ID XXXX. I was notified on XX/XX/XXXX from Bank of America that they had completed their investigation and said they did not find any fraud. As soon as I saw this, I called Bank of America ( around XXXX on XX/XX/XXXX ). I called the XXXX police department to submit a police report ( around XXXX on XX/XX/XXXX ) and spoke with Officer XXXX - Case # XXXX I called XXXX to report the fraudulent charge and reported it to a man named XXXX - Case Confirmation - # XXXX The criminal made the purchase at XXXX in person. From what I can gather it looks like the purchase was made at this specific XXXX location - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I am not a XXXX member and I have not stepped foot in a XXXX in over a decade. After submitting this report, I plan to contact XXXX, OCC, and FDIC. Please let me know if you need any additional 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 monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: TN

Complaint narrative:
I applied for and was approved for a credit card with XXXX XXXX. Before I could even use the card, I was charged a {$96.00} processing fee. After paying that, I was then charged an additional {$50.00} annual fee. At no point was it made clear to me that I would be required to pay both a {$96.00} processing fee and a {$50.00} annual fee before being able to use the card. If I had known the total upfront cost would be {$140.00}, I would not have opened the account. After noticing these charges, I contacted the company and requested a refund of the {$50.00} annual fee, explaining that the total fees were excessive and not clearly disclosed. The company refused to issue a refund. I have since used the card and maxed it out but intend to pay the balance in full. However, I believe these upfront fees are misleading and unfair, especially given that they are required before the consumer can even benefit from the card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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

Complaint narrative:
My PayPal account was permanently limited without a clear explanation, and I was told that information used to create the account can not be verified. I submitted my passport and supporting documents, but I was not given any specific discrepancy or opportunity to correct it. I am also unable to access PayPals Resolution Center or contact support, as all communication channels are restricted to an automated assistant that does not allow escalation to a human agent. Approximately {$800.00} USD in legitimate freelance payments is being held for up to XXXX days without clear justification beyond a general verification statement. I am requesting a review of PayPals action, clarification of the specific verification issue, and assistance in ensuring fair access to my funds and due process for dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am attempting to downgrade my Bank of America checking account to an Advantage Plus checking account but am unable to complete this basic account servicing request due to the banks policies and lack of accessible support. The Bank of America mobile app directs me to call customer service in order to downgrade my account, rather than allowing the change to be completed online. However, when I attempt to call, I encounter excessive hold times and disconnected calls, which prevent me from reaching a representative. I have made multiple attempts to contact customer service, including calls that either resulted in long hold times or were disconnected before I could speak with anyone. As a result, I am effectively unable to downgrade my account to the Advantage Plus option. This is not a discretionary or complex requestI am simply trying to change my account type. By requiring phone contact while failing to provide reasonably accessible phone support, the bank is functionally preventing me from completing this request. This situation may result in continued fees for a higher-tier account that I am actively trying to exit, causing financial harm. I am requesting that Bank of America : 1 ) Immediately downgrade my account to an Advantage Plus checking account, and 2 ) Provide a method to complete basic account servicing requests without requiring inaccessible phone support. I previously submitted a complaint regarding this issue, but it was not resolved.

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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for the American Express XXXX XXXX XXXX based on the advertised benefit that I would earn XXXX Membership Rewards points on the XXXX categories where my business spends the most. Based on this representation, I reasonably understood that my highest business spending categories would qualify for the XXXX rewards rate. My primary business expenses include construction materials. Between XX/XX/XXXX and XX/XX/XXXX, I charged approximately {$130000.00} in construction-related purchases to the card. After incurring this spend, I discovered that these purchases did not qualify for the XXXX rewards rate. Instead, they earned only the base rate because eligible categories are limited to a predefined list. This limitation was not clearly or prominently disclosed in the primary marketing message at the time I applied. I contacted American Express to request a review and adjustment. In response, the company provided a goodwill adjustment of XXXX Membership Rewards points and a {$100.00} statement credit. However, this adjustment does not adequately address the difference between the rewards I reasonably expected based on the advertised benefit and the rewards actually received. The difference between the base earning rate and the expected XXXX rewards on this spending represents a significant number of Membership Rewards points and a meaningful financial impact. While I also received a welcome bonus associated with the card after meeting a spending requirement, this was part of the standard sign-up offer and is unrelated to the ongoing rewards structure described above. I am seeking a fair resolution that reflects the discrepancy between the advertised XXXX rewards benefit and the actual rewards earned on this substantial business spending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I am filing a complaint against a debt collector for reporting and/or attempting to collect a debt that contains incorrect identifying information. The name associated with this account does not match my legal name. Because of this discrepancy, I have reason to believe this debt XXXX not belong to me or has been inaccurately attributed to my credit file. I dispute this debt in full and have requested validation, but the information being reported is inaccurate and does not properly identify me as the responsible party. This situation may be a result of a mixed file or identity error, and I am requesting that this matter be fully investigated. Under the Fair Debt Collection Practices Act, debt collectors are required to report accurate information and verify debts upon dispute. I am requesting the following : Immediate investigation of this account Verification that this debt belongs to me with correct identifying information Correction or removal of this account from my credit report if it can not be properly validated Cessation of collection activity until proper verification is provided If this debt can not be verified with accurate identifying details, it should be removed and no further collection attempts should be made. I am requesting a formal response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
Avant Credit Card. I closed this account over three years ago, have no active card and no usage for >5 years. XXXX XXXX, a debt collector starting calling and trying to collect money after Avant reactive my account trying to debit an inactive account. I reported this was fraudulent effort against a closed account and asked to update records. After months of trying to get status updated and calls to stop, I have no other option but to file a claim and hire a lawyer. I have emails reflecting my ask for proof of an active account, any communications and statements for the life of the card. The email responses are refusing to provide the information, but acknowledge the account is closed. I have not had or used a credit card by Avant in years. Avant will not have the ability to show an active card. Their own policy contradicts their actions They say : if your account is closed and you have not utilized your card you will not be responsible for the annual membership fee My position is : I didn't have a card or mail a card to activate I didnt use the card I believe it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada
State: CA

Complaint narrative:
I dispute the final charges assessed by XXXX XXXX related to my lease termination and move-out. The charges include rental months and repair costs that I believe are inaccurate, inflated, unsupported, and/or fraudulent. Specifically : I was charged for rental months beyond the period I legally occupied the unit/ beyond what was owed under my lease. I was charged for repairs and damages that were either : Pre-existing before my tenancy, Normal wear and tear, Not caused by me, or Unsupported by proper documentation/invoices. I request the following immediately : A full itemized accounting of every charge Copies of invoices/receipts for all repairs and cleaning charges Photographic evidence supporting alleged damages Documentation showing how any rent balance was calculated Immediate removal/correction of all improper charges Please note that under XXXX XXXXXXXX, landlords may only deduct for legitimate unpaid rent, damage beyond normal wear and tear, and certain cleaning/repair costs, and they must provide itemized documentation for deductions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. After reviewing my credit report in XX/XX/year>, I discovered several accounts that were opened and reported without my authorization, including accounts with balances of {$5700.00}, {$3300.00}, {$9.00}, and {$1200.00}. On or about XX/XX/year>, I submitted a Federal Trade Commission Identity Theft Report and supporting documentation to the credit reporting agencies. As a result of my previous disputes, multiple fraudulent accounts were removed by XXXX and blocked by XXXX. However, the accounts listed in this complaint were not included in my initial dispute and continue to be reported. I did not open or authorize these accounts. I am requesting that the company properly investigate these accounts and block them in accordance with the Fair Credit Reporting Act.

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 2026-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD bank fraud prevention team full up all my accounts money to XXXX XXXX XXXX {$80000.00}. And they said your SSN has been hacked. XXXX open another bank account on my Identity. They full all my money to XXXX XXXX XXXX. I thought its safe. But when I try to Log In XXXX XXXX XXXX now I couldnt log in. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: VA

Complaint narrative:
I am writing to formally dispute a collection account that has been reported in my name by Conserve on behalf of XXXX XXXX XXXX. I believe this debt is inaccurate and should not be in collections due to issues related to financial aid processing and incorrect billing. During my enrollment at XXXX XXXX XXXX, my understanding was that my tuition and associated charges were to be covered by financial aid. However, due to what appears to be errors or mismanagement in the application or disbursement of my financial aid, a balance was incorrectly generated and subsequently sent to collections without proper resolution or adequate notification. I am disputing this account on the following grounds : Financial Aid Coverage : The charges in question should have been covered by my financial aid package. Any outstanding balance reflects a discrepancy in how my aid was applied or processed. Billing Inaccuracies : I believe there were errors in billing that resulted in an incorrect balance being assigned to my account. Failure to Resolve Prior to Collections : Reasonable efforts were not made to properly resolve or investigate this issue before the account was referred to a third-party collection agency. Lack of Proper Validation : I have not received sufficient documentation validating the accuracy of this debt. I am requesting the following actions : A full investigation into the validity of this debt. Verification and documentation of the charges, including a detailed accounting of how the balance was calculated. A review of my financial aid records to confirm proper application of funds. Immediate removal of this account from collections if it is found to be inaccurate. Correction of any negative reporting associated with this account on my credit report. I expect that this matter will be handled promptly and in accordance with applicable consumer protection laws. Please provide a written response detailing the results of your investigation. Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I requested the transaction in the amount of {$730.00} US dollars to be stopped. The transaction was sent by Cash app. I contacted them several times and said they were going to elevate the call and then no answer. I requested the monies be refunded. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding a {$65000.00} fraudulent wire transfer sent from my XXXX XXXX account on XX/XX/year>. The wire was sent under false pretenses as part of a scam to XXXX XXXX XXXX XXXX ( Acct. XXXX/ Routing # XXXX ). I reported the fraud to Chase immediately on XX/XX/year>. Chase has informed me that a recall request and a hold harmless letter have been sent to the receiving bank. However, I have not received any clear or substantive updates regarding the status of my funds. Specifically, Chase has not confirmed : * Whether the funds are still in the recipient account * Whether the receiving bank has frozen the account * What direct communication has occurred with the receiving bank * What specific recovery actions have been taken beyond initial requests I was also informed that the receiving account has a prior fraud advisory, which raises serious concerns about how this transaction was processed and why stronger immediate action was not taken. Due to the time-sensitive nature of wire fraud recovery, delays significantly reduce the likelihood of recovering my funds. I am requesting that Chase provide immediate transparency and take all necessary steps to recover the funds, including escalation with the receiving bank. I am seeking : 1. Immediate confirmation of the status of the funds 2. Full details of all recovery efforts and communications with the receiving bank 3. Assurance that all possible actions are being taken to recover my funds This situation involves a significant financial loss, and I am requesting urgent intervention.

Company response to consumer: Closed with explanation