vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 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
State: VA

Complaint narrative:
On XX/XX/XXXX, our company invoiced a customer {$5400.00} for car parts that we are actively importing from XXXX to the United States through our container shipping service. The customer completed payment in full, and the funds were received by PayPal. Shortly after receiving the payment, PayPal requested extensive verification, including business registration documents, personal identification, EIN, SSN, address verification, private business documentation, and proof of prior completed transactions. We complied fully and promptly, providing all requested materials without delay and in good faith. Despite full compliance and maintaining an account in good standing, PayPal failed to provide any meaningful response or justification. Within days, we were informed that we would be unable to access any portion of the funds for up to XXXX days due to potential customer disputes or refunds. This restriction was applied without evidence of any dispute, claim, or violation on our account. We contacted PayPal support immediately and were told that a portion of the funds would become available within XXXX week. That representation proved to be inaccurate. After additional follow-up, we were eventually permitted to withdraw only approximately XXXX % of the total funds. Upon contacting PayPal again, we were then told the remaining balance would not be released for up to XXXX months, with no exceptions or review process available. These funds are directly tied to an active customer order and are necessary for us to fulfill our contractual obligations. By withholding these funds despite full verification and no evidence of wrongdoing, PayPal is effectively preventing us from operating our business and completing legitimate transactions. Additionally, when attempting to seek clarification regarding the timeline for release of funds and the protections available to businesses using PayPal, our communication with their support team was abruptly terminated and we were disconnected without resolution. This situation represents a serious disruption to our business operations and raises concerns regarding XXXX handling of merchant funds, lack of transparency, and failure to provide adequate support or due process. We are requesting immediate review of this matter, release of the remaining held funds, and a clear explanation of the basis for this restriction. We are also requesting clarification on what safeguards exist for businesses to prevent arbitrary or prolonged holds of legitimately earned funds. We are submitting this complaint due to the significant financial and operational harm caused and the inability to resolve this issue directly with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: WI

Complaint narrative:
b"On XXXX XXXX XXXX, I saw an advertisement on social media for XXXX about XXXX coding classes with a picture of XXXX XXXX on the advertisement. I got interested and signed up my XXXX XXXXXXXX XXXX son for the free trial class with the knowledge that the program was in the United States. I received phone calls and text messages with the login information for the trial class scheduled for Saturday XXXX XXXX XXXX The trial class went well but there was no mention that they're not based in the United States. After the free trial class, I was required to download a payment app KLARNA for payment while they were on the XXXX XXXX watching to ensure I gave all my payment information.\nMy son's first regular class was scheduled for Saturday XXXX XXXX XXXX at XXXX. My son was very excited Unfortunately the link XXXX sent didn't work. We tried many times without success and couldn't get any help. My son got so discouraged and we felt lied to and scammed. My son cried the whole day. \nI sent messages to the phone numbers they had provided requesting my son's name be removed from the program immediately (Copies attached for your review). I then received a call from the Director who apologized for the link. I explained to him how frustrated my son was and had lost trust and confidence in the program and wasn't willing to start their program. He promised that we will never be charged and we should reach out when my son is ready. \nUnfortunately, I have been getting phone calls, emails and mails from KLARNA about payment of XXXX and late fees on behalf of XXXX. A program my son never started and will never do it through XXXX. I have called both KLARNA but they're insisting it's XXXX to remove the charges. On the other hand, XXXX doesn't want to remove the charges they're insisting my son should enroll in a 4-week program plan which we're not interested. He just lost his dad, and I want him to continue mourning the loss of his dad. \nI understand XXXX offers a 100% refund for unused classes if requested within 10 days. I did exactly that and have attached messages for your review). Also, refunds are processed after a mandatory exit interview - I spoke via video call with the Director who sent his condolences to my son on XXXX XXXX XXXX. It's been very frustrating and I wouldn't wish any parent to go through this. \n\nKLARNA - REF #:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
On XX/XX/year>, the collection agency provided an agreement with me to pay {$320.00} on the XXXX of each month as of XX/XX/year>, and XXXX XXXX XXXX XXXX would forbear from executing on the judgment against me. On XX/XX/XXXX, the garnishment of wages was still executed in court, breaching the contract that was put in place, and this is a violation of Fair Debt Collection Practices. Stating one thing and doing another, attempting to double collect on this debt from me in a misleading and fraudulent way. I called the office on XX/XX/year> and spoke to a representative who stated this slipped through the cracks, and someone from their office would file an electronic motion that day to stop the garnishment, which was never done. I am requesting the payment of {$320.00} made to them to be refunded to me, as an active garnishment was still executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I moved out of the state of Indiana in XXXX of XXXX, apparently there was a serving of court papers to my old address in XX/XX/XXXX from a debt collector. I didnt find out about the default judgment until XX/XX/XXXX. I was not properly served XXXX my bank account was Garnished on XX/XX/XXXX in the amount of {$3100.00} due to this judgement. I filed a motion with the XXXX XXXX XXXX XXXX in the state of Indiana on XX/XX/XXXX XXXX set aside default judgment XXXX XXXX quash/stay garnishment under pursuant XXXX Indiana trial XXXX XXXX ( B ). And ask for return of wrongfully XXXX XXXX action was taken by XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX corporate XXXX XXXX XXXX hills, IL. I have not heard any response back from this company in regards XXXX this request.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against USAA for improper handling of multiple disputes involving the merchant " XXXX XXXX XXXX '' ( also known as XXXX XXXX XXXXXXXX ). I paid approximately {$6600.00} in XXXX ( plus significant additional amounts in prior years ) for spellwork and spiritual services that were never delivered. I received no goods or services of any value. After I filed chargebacks with USAA, the merchant sent me a threatening email stating Time get out of your rut ( screenshot attached ). This is clear retaliation and harassment. ( {$850.00} for XXXX and more back to back ) Additionally, packages related to my disputes including a XXXX XXXX XXXX order and many other items ( From XXXX )... were stolen and never reached my front door. A management email from my building confirms XXXX lockers no packages only one, while one legitimate package from XXXX XXXX XXXX arrived at my front door ( Has this instructions permant in all my accounts ; numberous of times FRONT DOOR ONLY otherwise enver recieved and management abuse of stealing them selectively to abuse the tenants ). I have strong reason to believe the theft was committed by assistant XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( leasing office for my building at XXXXXXXX XXXX XXXXXXXX XXXX ). XXXX XXXX operates a small antique restoration business, creating a clear conflict of interest and motive for stealing tenant packages ( She not the only one ; XXXX XXXX and others staff ). USAA issued provisional credits and then clawed back significant amounts, leaving me with substantial financial harm. I am requesting : Full permanent credit on ALL every single disputed XXXX charges ( {$6600.00} ) and the XXXX charges ( $ XXXX ) ( $ XXXX ) ( $ XXXX ) ( $ XXXX ) EVERY SINGLE disputes filed Investigation into the merchants fraudulent practices, non-delivery, and retaliatory threats Review of any additional charges from XXXX with the same merchant ( XXXX ) Attached evidence : Screenshot of the rut threat email sent by XXXX XXXX XXXX right after I filed disputes USAA chat transcripts with agents XXXX and XXXX XXXX email confirming missing packages Proof of payments and dispute filings I am a XXXX XXXX tenant and have been taken advantage of by this merchant ( s ). I refuse to accept their threats and non-delivery. I request full resolution in my favor and that USAA stop reversing credits without proper investigation. please carefully review every line/ details andt ake my complaint seriously. I encourage others to follow file theirs complaints if they were harm by these merchant ( s ) Thank you.

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 2026-03-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint against American Express Travel for providing materially inaccurate information that directly caused me financial loss. On XX/XX/XXXX, I purchased XXXX round-trip business class tickets through American Express Travel for {$3800.00} per ticket, traveling from XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ), departing XX/XX/XXXX and returning XX/XX/XXXX. On XX/XX/XXXX, I modified my wifes ticket ( Ticket # XXXX, Booking Reference : XXXX ) and paid {$210.00} to change her return date to XX/XX/XXXX. Later that same day, I contacted American Express Travel via chat to ask about canceling my wifes ticket, since we discovered that flying from XXXX XXXX ( XXXX ) to XXXX ( XXXX ) with a layover in XXXX would be more cost-effective than flying XXXX XXXX XXXX and then purchasing a separate ticket to XXXX. During this conversation, I explicitly asked for the refund amount if I canceled the ticket. The representative initially stated I would receive full travel credit of {$3800.00}. I clarified that we had already flown the first leg. The representative then corrected the estimate and stated : We can only provide approximate amountaround {$1900.00}. I also asked whether there would be any cancellation fees, and the representative stated that none were indicated in the fare rules. Based on this information, I decided to proceed with canceling the ticket on XX/XX/XXXX. However, after cancellation, the actual credit issued was only approximately {$660.00}, which is significantly lower than the quoted estimate of approximately {$1900.00}. On XX/XX/XXXX, I followed up and was informed that the refund amount was only an estimate and that the final value was determined by the airline. While I understand that estimates may vary, this discrepancy is substantial and materially misleading. I relied on the information provided by the American Express representative when making my decision. I would not have canceled the ticket if I had been given an accurate or reasonably close estimate. As a result of this incorrect information, I suffered financial harm and had to pay significantly more to rebook my travel. I escalated this issue with American Express ( Case # XXXX ), but they have refused to provide fair compensation and only offered a minimal adjustment that does not reflect the financial loss caused by their misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: Sezzle Inc.
State: FL

Complaint narrative:
I used Sezzle to pay for a purchase in full, including what was presented to me as a promotional discount through their Sezzle Premium subscription ( referred to as Sezzle Spend ). This was not explained as store credit or restricted funds, but rather as a discount applied to my purchase. After issues with the merchant, I was issued XXXX refunds : {$20.00} and {$30.00}. However, these refunds were not returned to my original payment method. Instead, Sezzle has either failed to make the funds accessible or has applied them in a way that prevents me from actually accessing or using my money. Despite multiple attempts to resolve this with Sezzle customer support, I have received inconsistent and unclear explanations. I was told the funds would be returned, but they have not been properly credited in a way that allows me to use or withdraw them. The company is effectively holding my money without providing clear justification or access. Additionally, the way Sezzle presents Sezzle Spend as a discount is misleading. It was not clearly disclosed that any portion of my payment could be treated differently in the event of a refund. I paid in full for my purchase, and I expect my refund to be returned in full to my original payment method. I am requesting that Sezzle return the full refund amount of {$50.00} to my original payment method and provide clear, transparent information about how refunds are handled when promotional credits or Sezzle Spend are involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting related to an account from American Express This account is currently appearing on my credit report as an authorized user account. However : I did not authorize being added to this account, and/or I am no longer associated with this account and have not been for several years. Additionally, upon contacting the creditor, I was informed that I am not listed in their system as an authorized user. Despite this, the account continues to appear on my credit report, which is inaccurate and misleading. This account is being reported without a valid association to me and may constitute inaccurate reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/year> I had incorrect interest charges applied to my student loans by the loan servicer Mohela. My loans were in the XXXX plan and should not have been accruing interest until XX/XX/XXXX, XXXX system made an error and applied an incorrect interest charge to my account from an error made years before that they had originally corrected. As a result, my loan balances are showing higher than they should be. My intent was to pay the principal balance of my loan on XX/XX/year> but with the incorrect interest charges applied to my account in error I was unable too. I have filed multiple requests for a correction of the error with the resolutions department repeatedly over the last six months. I keep on being told the issue has been escalated to a higher level of the resolutions department and will be corrected in XXXX business days. I am also told I will be called back by the resolutions department, but no one ever contacts me and I am forced to call back. When I do call back, I am told the case has not been reviewed yet and told it will be resolved in another XXXX business days. This has been going on now for XXXX months with no resolution or correction to the charges made in error. I am told every time that I call no one has reviewed my file. I was also told by Mohela that while this error is being corrected I would not be charged interest moving forward while this issue is pending. When I check my account I am being charged interest still, and the amount is incorrect because it contains the incorrect charge. This is further complicated because I am in the XXXX plan and XXXX system is preventing me from making payments. Ive been told by the loan servicer that if I were to make payments on the incorrect amount, I would not be refunded the amount I paid that was incorrect. In the current situation, I am being charged interest that I should not be charged, and the interest that I am being charged is actually higher than it should be so I am now being overcharged by over {$5000.00} dollars.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im charged {$36.00} for any charge that comes into my account and finds are not available, I do have direct deposit set up but the fees charges are never ending

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 2026-03-25 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: IA

Complaint narrative:
I initiated a {$590.00} payment from my XXXX XXXX XXXX XXXX balance to my MOHELA federal student loan on XX/XX/XXXX. After nearly XXXX months of the payment not reflecting on my loan balance, I followed up with both XXXX and MOHELA. After a few months of failed attempts to resolve this with MOHELA, I contacted XXXX and was able to escalate the issue with them almost immediately. Each time they were responsive, but didn't have much they could do to help the situation since the payment was " lost '' on MOHELA 's end. I reached out to XXXX again in XX/XX/XXXX after several failed attempts with MOHELA. The XXXX customer service representative that I spoke with XXXX day offered to do a check trace to confirm which date the check was cashed, in hopes that this info would help MOHELA narrow down their search and find the payment in their system. The check trace was completed on XX/XX/XXXX and I relayed that information to MOHELA shortly after -- both via phone call and by uploading the check trace confirmation email to my MOHELA account. The check trace showed the check was issued to MOHELA XX/XX/XXXX and cashed on XX/XX/XXXX. There has been no progress since then and I am currently working with XXXX to have them fax a photo of the check to MOHELA, as more concrete proof of the payment. MOHELA has been extremely difficult to communicate with on the issue, but I was able to get my case escalated to a higher-up team several times and was advised each time that the payment would be reflected on my account within XXXX business days. Each time the 10 days passed with no update and no payment reflected on my loan balance. I asked for email confirmations of the escalation several times but was told that was not possible each time. I also asked if it was possible to have a direct number for the escalation team so that I wouldn't need to spend hours on hold, but was told that was also not possible. At this point, I have called MOHELA roughly a dozen times over the past year on this specific issue. Totaling over XXXX hours on hold and on the phone with service representatives. It's important to note that I have done payments from XXXX to MOHELA via this process several times and all other payments were reflected on my account within a few weeks of issuance. The request process on each one was identical to this missing payment. So I do not believe this is an issue with XXXX -- it seems to be a mistake on MOHELA 's end.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
I am an XXXX XXXX service member currently XXXX, and I am filing this complaint regarding Aqua Finance , Inc. and my account ( Account Number ending in XXXX ). There are clear discrepancies between my bank records and the payment history reflected on my account. From XXXX through XX/XX/XXXX, I made consistent payments through my bank, including multiple payments of {$100.00} and {$240.00} per month. These payments total well over {$1700.00} during that period alone. However, my Aqua Finance account reflects only a single {$100.00} payment as my most recent payment and does not appear to account for the full amount paid. On XX/XX/XXXX, I provided documentation of these payments and requested clarification. I also referenced a recorded phone call in which a total payment amount of {$6000.00} was discussed. I have not received any response or explanation. Additionally, on XX/XX/XXXX, I submitted a written request along with my XXXX orders requesting assistance and review of my account. Aqua Finance has not acknowledged or responded to this request. The failure to properly account for payments and the lack of response to multiple inquiries raises serious concerns regarding how this account is being serviced.

Company response to consumer: Closed with explanation