vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX for a severe violation of Regulation XXXX ( Electronic Fund Transfer Act ) and consumer protection laws. XXXX XXXX unauthorizedly deducted {$96.00} from my account for a XXXX XXXX XXXXubscription without my permission. I followed proper legal procedure and filed a formal billing dispute directly through XXXX 's in-app dispute system. Instead of investigating the unauthorized transaction as required by law, XXXX retaliated XXXX days later by permanently suspending my account and cutting off my access to the platform. By doing so, XXXX has weaponized their fraud system to avoid investigating a legitimate consumer dispute. I demand a complete manual XXXX review of this case, a full investigation into the unauthorized {$96.00} XXXX charge, and the immediate reinstatement of my account. '' I asked several times what I did wrong, only to get a response of " your account is permanently suspended no further communication will occur. If you respond to this email, we will not reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I switched homeowners insurance providers and promptly uploaded my new insurance documentation through PennyMac 's portal. Unfortunately, the insurance company had listed an incorrect property address on the policy. Rather than notifying me of the issue through the portal or otherwise making me aware that there was a problem with my submission, PennyMac did not update my account and provided no indication that corrective action was needed. Assuming an additional document might be required, I uploaded more information a few days later, but my account status still did not change. After spending time trying to determine why my insurance was not being updated, I finally called PennyMac and was informed by a representative that the policy could not be accepted because of the incorrect address. To be fair, I did eventually receive a mailed notice stating that the uploaded policy was incorrect. However, that notice arrived after I had already submitted the new policy and after the issue had remained unresolved. At no point during the upload process or afterward was there any clear notification through the portal explaining why the policy was being rejected or what specific correction was needed. My frustration is not that the address was wrongthat was an error by the insurance company. My frustration is that the communication process was inadequate and unnecessarily delayed resolution. A timely portal notification, email, or phone call explaining the issue would have allowed me to correct it immediately. Instead, because the problem was not clearly communicated, PennyMac enrolled me in significantly more expensive lender-placed insurance coverage. This situation could have been easily avoided with better communication and account management. Customers should not have to investigate issues on their own after uploading required documentation, especially when the result is costly force-placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Philip Sellers P.C.
State: MI

Complaint narrative:
I am filing a complaint regarding unreleased settlement funds being handled by the Client Services Department of Philip Sellers, P.C. ( P.O. XXXX XXXX, XXXX XXXX, CA XXXX ). To date, I have not received my designated settlement payout, and there has been a lack of transparent tracking or timeline updates regarding the disbursement of my funds. I request that the CFPB look into this matter to compel Philip Sellers, P.C. to provide a clear, immediate timeline for my payout and to expedite the delivery of the general cash payment owed to me.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Probate Advance Holdco, LLC
State: CA

Complaint narrative:
In XXXX, Probate Advance LLC solicited me for loan service using my inheritance as collateral. I agreed and in XXXX there was a transaction for $ XXXX and another for $ XXXX, both contractual agreements were signed by hand in front of a notary. In XXXX XXXX additional transactions followed both in the amount of $ XXXX, again each agreement was signed in front of notary by hand. I received in total $ XXXX and the repayment amount was $ XXXX. Sometime in XXXX of XXXX I was emailed a docusign document from Probate Advance upon opening the docusign I found an agreement that it was already signed with my name typed in the signature space. The agreement supposed that I was giving up my rights to all rebates selling them for a mere $ XXXX. The item was all together ridiculous and I'd never imagined it would be taken seriously but it was and I ended up paying $ XXXX which I never should have. Not only did I never sign any such buyout agreement, I never at anytime received the $ XXXX payment the agreement supposes to offer in leiu of the rebates. Later in XXXX the Attorney General of Maryland banned Probate Advance from doing business in the state and ordered restitution in an Assurance of Discontinuance. I am an eligible claimant yet Probate Advance utilizes the same fraudulent document to circumvent the agreement order and I have not received the $ XXXX I'm due. I don't expect the CFPB to enforce an agreement from the State of Maryland. However Probate Advance is predatory and has demonstrated the willingness to violate the law in efforts of defrauding consumers. Every state across the Union is in danger of seeing their very own citizens, the most vunerable during a most senstive period in their lives, taken advantage of in a manner only lowlife scumbags would employ. Probate Advance and it's ilk are nothing more than hearse chasers roaming from state to state victimizing those who are aggrieved, isolated and vunerable to their schematics. I have attached 6 documents. 4 of the documents are the agreements how they actually transpired. the 1 document is the forged buyout agreement a docusign I never signed. My mistake was opening it. The XXXX document is the state oXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
My card from prosper was stolen A purchase was made that I did not authorize at XXXX XXXX. I called prosper and was told mu purchase. I asked for information nothing provided. This is not my charge. It has affected my XXXX XXXX and collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: VA

Complaint narrative:
I originally tried requesting a debt collections letter multiple times through experian as I did not have a way to contact the business. I then made a CFPB complaint and the business sent me a latter notifying me of the alleged debt. I then emailed them a dispute email which they did not respond to. I then emailed a debt collections letter via mail which they have not responded to because XXXX is delayed in XXXX for some reason. See attached screenshot. All within 30 days. The company is just ignoring me and refusing to remove the debt which is not mind. Any reasonable XXXX century company should be able to have fixed this already. Even if notification is only be email so far. I mean, they can respond to these complaints right?

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 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
Rausch Sturm had issued a garnishment paper work to my employer. I was able to get the funds to pay in full. The problem is I have a verbal offer acceptance from a representative at the firm, between XX/XX/XXXX and XX/XX/year>, they accepted {$4600.00}, reduced from {$5400.00}. The name of the representative that got back to me with this offer acceptance is XXXX XXXX. Now, they're not answering my emails or phone calls regarding this garnishment and my attempt to pay it now. I have the funds to pay the {$4600.00} in full, and no one is returning my calls. My next step is going to the XXXX XXXX XXXX to file an Objection to Garnishment in hopes of getting a hearing and pausing the garnishment. It's deceptive to accept an offer then not allow the consumer to pay it by stopping communication all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions LLC
State: MO

Complaint narrative:
I received information of debt going to collections XX/XX/XXXX after sending XXXX information to provide that I could not be at the XXXX at that time they provided documents saying that I was but the documents being for a different financial agreement and service acknowledgment for XX/XX/XXXX The medical service in question is for XX/XX/XXXX Me having no documents of tXXXX XXXX XXXX XXXX request documents of a financial agreement for that visit company declines, and says because your recent letter allows, no new facts and includes no new information on which to form the bias for a new investigation we will not be conducting another investigation of the dispute. Should you have a new or additional information or documentations to sustain your claim of dispute, please feel free to send us that information along with any supporting facts. I have now. Received the same letter in the mail again for the date of XX/XX/XXXX I have not received a financial agreement nor any agreement for medical treatment on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
COMPLAINT SUMMARY Capital One acknowledged and accepted my dispute claim regarding ANYTIME MAILBOX transactions totaling {$61.00} ( {$29.00} on XX/XX/year> and {$31.00} on XX/XX/year> ), but the company has continued delaying meaningful resolution despite repeated efforts on my part. I made multiple calls and requests for assistance and escalation, explaining that the dispute process has not been reasonably accessible or effectively handled. Despite this, the issue remains unresolved and Capital One continues requesting additional documentation instead of issuing the disputed credit. I also informed Capital One representatives that I am experiencing severe financial hardship and housing instability. We are currently living in our vehicle and recently received a parking warning while attempting to survive day-to-day. Timely resolution of this dispute is critically important. I am requesting immediate review of Capital Ones handling of this matter, issuance of the disputed {$61.00} credit, and confirmation that the dispute is being properly investigated and escalated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2026, a {$570.00} transaction from XXXX XXXX XXXX XXXX in XXXX, Florida posted to my account. After the stay, I contacted both the merchant and Capital One regarding concerns associated with the transaction and requested investigation and resolution assistance. I submitted complaints and feedback directly to XXXX XXXX through their customer-service and survey systems. The merchant repeatedly solicited feedback regarding the stay and acknowledged receipt of concerns through automated customer-service responses. However, the responses received were largely generic and redirected responsibility back to the property level without meaningful resolution. I also disputed the transaction with Capital One and requested that the company properly investigate the charge, review the supporting evidence and merchant communications, and request any additional documentation needed for the claim. Despite the existence of substantial supporting records, Capital One has not meaningfully requested further evidence regarding the dispute. The evidence submitted includes customer-service acknowledgments, survey requests, complaint submissions, folio-related communications, and transaction records connected to the disputed stay. The merchant later initiated a partial {$50.00} refund, which may indicate acknowledgment of at least some issue associated with the transaction or stay. Additional concerns include inconsistent folio handling and system responses from the merchant showing inability to locate folio information despite prior documented records and communications associated with the stay. I am requesting CFPB review regarding whether Capital One conducted a fair and adequate investigation of this disputed transaction and whether proper dispute-resolution procedures were followed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Imprint Payments, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I went to use my new XXXX gas card that I received. I found out that it didn't work due to a change in Banks by XXXX. They have forwarded accounts to be handled by XXXX I have tried to contact them on XX/XX/XXXX and every buisness day thereafter. I have also tried to contact them online to find out that I can only access my account via an old land line phone number which I have since canceled XXXX years ago do to relocating. I can not get ahold of person to correct this. Therefore I have an open account I can not access. I tried to apply for the current XXXX XXXX to which I was denied. I have a very high credit rating and no outstanding debt. I make over XXXX figures plus and own my new home.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Imprint Payments, Inc.
State: OH

Complaint narrative:
XXXX XXXX transferred their accounts payables from XXXX to Imprint. Imprint is not recognizing me as a customer after this transition and I have no way to logon to verify my account balance is XXXX because I paid off the XXXX card before the transition. Now Imprint is sending me letters telling me to login and pay off the balance. I tried their customer support line XXXX and can not speak to a live person and it will not allow me to exit to an operator. This is so frustrating and I am sure you have several complaints already. I can not reach anyone at Imprint.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IA

Complaint narrative:
Subject : Complaint Against MOHELA Refusal to Waive Grace Period and False IDR Eligibility Information CC : Consumer Financial Protection Bureau ( CFPB ) I am filing a complaint regarding MOHELAs refusal to waive my grace period and their repeated false statements that I am not eligible for Income Based Repayment ( IBR ), despite my loans being Direct Subsidized and Direct Unsubsidized, which are fully eligible under federal law. MOHELA denied my IDR application solely because my loans are in a grace period. Federal regulations allow borrowers to voluntarily waive their grace period and enter repayment early. MOHELA has refused to honor this right just as they refused at first to remove my in-school deferment after I graduated and had to have the school enter my graduation into the national clearinghouse 3 times before mohela would process it. Additionally, MOHELA representatives have repeatedly told me via the website 's inbox and through documentation that I do not qualify for IBR, which is factually incorrect and contradicts federal eligibility rules. they are trying to force me onto a standard repayment plan and then turn around and say they have already sent me a new repayment plan and changed my loans from IBR when I have recieved nothing other than their constant denials from them and skirting around the issues.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 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: Imprint Payments, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding several unauthorized charges made to my credit card account, as well as the inability to obtain assistance from the credit card company despite repeated attempts. I discovered multiple transactions on my account that I did not authorize or make. I immediately attempted to contact the company to report the fraudulent activity and dispute the charges. However, I spent more than 8 hours on hold over multiple calls and was never able to successfully speak with a representative. On several occasions, the calls were disconnected or ended without assistance being provided. The unauthorized charges include the following transactions dated around XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX33.00} XXXX XXXX XXXX XXXX XXXXXXXX {$56.00} XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} XXXX XXXX {$170.00} XXXX XXXX {$86.00} Total disputed amount : approximately {$1600.00}. I did not authorize these transactions, did not benefit from them, and believe my credit card information was compromised. I was only able to cancel the credit card after numerous unsuccessful attempts to reach customer service. At this time, I am requesting that the credit card issuer : 1. Immediately investigate these fraudulent transactions. 2. Remove or credit all unauthorized charges from my account. 3. Provide proper assistance and communication regarding the status of the fraud investigation. 4. Address the unacceptable customer service experience and inability to reach support representatives. I have made every reasonable effort to resolve this matter directly with the company before filing this complaint. Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Imprint Payments, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I purchased a sofa from XXXX XXXX XXXX XXXX XXXX XXXX using the Imprint XXXX XXXX card with XXXX financing. The XXXX sales representative explained that there would be no interest charges if I paid off the sale price in XXXX years or less. I applied for the XXXX credit card at the same time as the purchase, was told to set up the autopay for XXXX financing once the physical credit card arrived. I was told the card would arrive on XX/XX/XXXX, it didn't arrive by then ; I called up Imprint XXXX support and sent email, and also followed up at the XXXX store in late XXXX about the card 's late arrival. It eventually arrived sometime before XX/XX/XXXX, and I set up the XXXX financing using the Imprint app on my XXXX. I set up a test payment to check the transfer worked. Then I set up automated monthly payments. Sometime in XXXX, I noted that there were interest charges every month, ranging from {$91.00} to XXXX, so far this has totaled {$370.00}. The effect is that the my balance is larger than I expected given my monthly payments. Since the XXXX financing is not supposed to charge interest before XX/XX/XXXX, I asked Imprint ( by phone to the Fraud department ) to remove these extra charges. They asked for evidence that I was using XXXX financing, so I asked the XXXX sales rep to send a transcript of our discussion on XXXX financing, and I sent a copy to Imprint. In XXXX, after paying by auto-pay, I noted the monthly interest charges were not yet fixed, so I tried to contact Imprint by phone. I was unsuccessful, because the call menu just recycles to the start everytime I push the billing/fraud option.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Imprint Payments, Inc.
State: IL

Complaint narrative:
I am filing this complaint against Imprint Payments regarding the systemic failure for the XXXX XXXX XXXX XXXX XXXX transition from XXXX. Imprint 's automated portal forces as aggressive, digital -only bank verification network that refuses to authenticate my identity because I do not use online banking. Imprint 's customer service phone line XXXX traps consumers in unhelpful chatbot loops or places us on indefinite holds that terminate without reaching a live agent. The few agents reached provide conflicting and incorrect payment instructions. Also the statement sent about upcoming change with XXXX credit card never stated that it only allows online banking. Imprint 's automated chatbot explicitly states that consumers can pay by debit card without linking a bank account, yet the online system systematically rejects debit card entries. I am ready, willing, and able to pay my legitimate balance, However, Imprint is entirely preventing me from doing so through an analog or traditional check method while refusing to securely verify my identity. I do not feel comfortable sending them a payment because not only can they not verify my bank and also we never received a paper bill statement.

Company response to consumer: Untimely response