vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: AL

Complaint narrative:
In XX/XX/year>, I discovered that Plaza Services , LLC was reporting a collection account on my credit report related to an alleged debt from XXXX XXXX XXXX. The balance reported is approximately {$2500.00}. I did not receive sufficient prior notice or documentation validating this debt. Upon becoming aware of the account, I immediately sent a written dispute and request for validation to Plaza Services. As of this complaint, I have not received proper validation, including any signed agreement or documentation confirming that I am legally obligated for this debt. Additionally, this account is being reported inconsistently across the credit bureaus. It has been removed from XXXX but continues to be reported by other agencies. This inconsistency raises concerns regarding the accuracy and verifiability of the information being reported. Despite my dispute and request for validation, the account continues to be reported, which is negatively impacting my credit profile and my ability to qualify for a home loan. I am requesting that Plaza Services conduct a proper investigation, provide full validation of this alleged debt, and remove the account from all credit reporting agencies if it can not be verified. I am not acknowledging liability for this debt and am requesting that all reporting comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
In XX/XX/year>, I discovered that Jefferson Capital Systems , LLC was reporting a collection account on my credit report. I was not previously provided with sufficient notice or documentation to validate this alleged debt. After becoming aware of the account, I sent a written dispute and request for validation to Jefferson Capital Systems , LLC. As of this complaint, I have not received proper validation, including any signed agreement, full account history, or proof that I am legally obligated to pay this debt. Despite my request for validation, the account continues to be reported and/or collected on. This raises concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation upon request. Additionally, there are concerns regarding the accuracy and consistency of how this account is being reported across the credit reporting agencies. Any information reported must be accurate, complete, and verifiable under the Fair Credit Reporting Act ( FCRA ). This account is negatively impacting my credit profile and my ability to qualify for a home loan. I am attempting to ensure that all information reported is accurate and properly verified. I am requesting that this matter be properly investigated and resolved in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Propel, Inc.
State: IL

Complaint narrative:
My Checking account that I had my XXXX check directly deposited into was compromised. I advised them of the details showed and done what was asked of me to make sure I would be giving a provisional credit. I was to submit a police report and I did. I've still not received any information or anything of my funds returning

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XXXX was removed from my account. Transaction # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am filing a complaint against Upgrade , Inc. regarding improper handling of a billing dispute, continued negative credit reporting, and failure to provide account access. On XX/XX/XXXX and XX/XX/XXXX, payments of {$83.00} each were applied to my Flex Pay loan ( Loan ID XXXX ) for a flight purchased through XXXX XXXX. I did not board the flight and received no service. I contacted the merchant immediately and was denied any refund, credit, or rebooking. On XX/XX/XXXX, I submitted a formal dispute to Upgrade stating that the underlying service was not rendered. I clearly requested an investigation, suspension of collection activity, and reversal of charges. Upgrade did not conduct a meaningful investigation. Instead, on XX/XX/XXXX, they responded with a generic statement claiming they are not a party to the merchant agreement and directed me back to the merchant. This response failed to address the dispute or evaluate the claim. I made additional attempts to resolve this issue on XX/XX/XXXX and XX/XX/XXXX, but received no response. Separately, since XX/XX/XXXX, I have repeatedly informed Upgrade that I no longer reside in the United States and can not access my account due to the requirement of a XXXX phone number for verification. Upgrade has failed to provide any alternative method for account access. Despite this, I have received repeated automated emails instructing me to call XXXX phone numbers, which I have clearly stated I can not use. No meaningful assistance has been provided via email. While this dispute has been ongoing, Upgrade has continued to : Report XXXX and XXXX delinquencies to credit bureaus ( as reflected on XXXX as of XX/XX/XXXX ) Pursue collection activity Ignore written dispute communications This has negatively impacted my credit profile despite the account being in dispute and despite my inability to access or manage the account. Failure to conduct a reasonable investigation of a billing dispute Continued collection activity during an active dispute Negative credit reporting without proper dispute handling Failure to provide account access to an international customer Repeated reliance on automated responses instead of resolving the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I am submitting this complaint against Wise ( formerly TransferWise ), a money transfer XXXX financial services company, regarding several practices I experienced during XXXX after their onboarding process that I believe violate consumer protection standards. -- - ISSUE XXXX PREMATURE XXXX XXXX XXXX DATA COLLECTION Wise demanded biometric data ( facial recognition / identity scan ) as a condition of onboarding before conducting any standard Know Your Customer ( KYC ) verification. The sequencing appeared designed XXXX collect XXXX XXXXc data XXXX, with XXXX checks performed afterward meaning XXXX data was surrendered before it could be determined whether I would even qualify for the service. Consumers should not be required to provide biometric data as a precondition to a KYC determination. -- - ISSUE XXXX COERCIVE XXXX-PARTY DATA ACCESS VIA XXXX XXXX ARBITRARY ACCOUNT CLOSURE Wise required access XXXX outside financial accounts through XXXX as XXXX of their process. When I subsequently revoked XXXX 's access XXXX my external accounts which is my legal right under applicable data privacy XXXX consumer protection frameworks Wise arbitrarily closed my account without providing a lawful or substantive basis for doing so. Revoking XXXX-party data access is not grounds for account termination XXXX should not be treated as a disqualifying act. -- - ISSUE XXXX DECEPTIVE AND PRETEXTUAL COMMUNICATIONS Following account closure, Wise sent a series of increasingly erratic automated and/or human-reviewed emails offering justifications for the denial of service that appeared false, inconsistent, XXXX pretextual in nature. These communications were not grounded in the actual reason for closure ( revocation of XXXX access ) XXXX appear designed XXXX retroactively manufacture a XXXX XXXX justifying their actions rather than provide genuine explanation. -- - REQUESTED REMEDIES XXXX. Investigation into Wise 's practice of collecting XXXX data prior XXXX completing XXXX verification. XXXX. Investigation into whether account closure triggered by revocation of XXXX-party data access violates XXXX or related regulations. XXXX XXXX of Wise XXXX post-closure communication practices for potential violations of prohibitions on unfair, deceptive, or abusive acts XXXX practices ( XXXX ). XXXX. Deletion confirmation of all XXXX data collected from me during onboarding. XXXX. Account reinstatement or, at minimum, a clear XXXX honest written explanation of the actual basis for closure. I am happy XXXX provide supporting documentation including copies of all correspondence received from Wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Square account was deactivated, and I was informed that my remaining balance of {$190.00} would be released on XX/XX/year>. As of today, those funds have still not been released to me. I have contacted Square support multiple times, but I have not received a clear explanation or resolution. Their support team has been unable to provide a timeline or assist in releasing my funds. Square is currently holding my money beyond the date they originally provided, and I have no access to these funds. This has caused financial hardship and concern. I am requesting the immediate release of my full account balance and a clear explanation for the delay. I have documentation showing the stated release date and my account balance, and I am prepared to provide it upon request. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I noticed this account reporting on my credit report, I did not authorize this account XXXX be opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year> I signed up for a new Spending Account using promotional code XXXX. The terms were to make XXXX consecutive months of direct deposits totaling at least {$2000.00} each month with the first direct deposit starting XX/XX/XXXX or earlier. The {$200.00} was to be paid within XXXX days after reaching XXXX consecutive months with direct deposits of $ XXXX per month. I made direct deposits on the following dates : XX/XX/year> - {$2000.00} ( meeting first month requirement ) XX/XX/year> - {$2000.00} ( meeting second month requirement ) XX/XX/year> - {$2000.00} XX/XX/year> - {$2000.00} ( meeting third month requirement ) XX/XX/year> - {$300.00} The bonus was not deposited into account in XXXX ( or ever ). On XX/XX/XXXX, I noticed an {$800.00} XXXX to an unknown party and called them within a few hours of it appearing on the account. This was soon determined to be fraudulent and the funds were returned to me, however this required Ally to create a new Spending Account to prevent future fraud. On XX/XX/XXXX, I first inquired about the missing {$200.00} bonus and was told by the agent I meet the terms, but they needed to open a case with the back office to review and this would take XXXX business days to complete. Ally would call or email me their findings. I wanted about XXXX business days and called again. This agent advised the back office was still reviewing, but confirmed it appears I met the terms. Ally would call me in a few days with their findings. 10 days later, I called again and advised the same thing, but no call or email again. I called a fourth time and that failed to get an answer. On XX/XX/XXXX, I used XXXX XXXX on the app provided screen shots of the promotion, email they provided it was applied and screen shots of the deposits. They replied the back office was still reviewing. More message sent XX/XX/XXXX and XX/XX/XXXX and was advised it was being sent to the XXXX team, but I have never heard anything official back for any of my XXXX calls and messages.

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 2026-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I am filing a complaint regarding a private student loan originally taken out for approximately {$6000.00} XXXX attend XXXX XXXX, an institution that has been associated with predatory practices. Despite the relatively small original loan amount, I have already paid a total of {$10000.00}, which is significantly more than what I originally borrowed. Of this amount : {$5600.00} was applied XXXX principal {$4600.00} was applied XXXX interest {$9.00} was applied XXXX fees Even after paying more than the original loan amount, I still have an outstanding balance of {$3300.00}. This means I have paid over XXXX % of the original loan amount, yet I am still being required XXXX continue making payments. A substantial portion of my payments has gone toward interest rather than reducing the principal balance. Additionally : My federal student loans were XXXX under the XXXX v. XXXX due XXXX misconduct by the school. I have submitted multiple applications for private loan forgiveness, which have either been denied or left unresolved. My account currently reflects a pending application for forgiveness, but no final determination or clear explanation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC bank has failed to provided me a provisional credit within XXXX business days, despite my dispute for Case # XXXX being considered a dispute that is eligible for a provisional credit under regulation E since more then XXXX business days have elapsed for this investigation and it is not solved yet. Many attempts reach out to them and they have done nothing and refused to acknowledge this. Contact # XXXX Within the complaints department told me I would receive a provisional credit by XXXX of XXXX, and upon contacting her leaving a voicemail asking her where my provisional credit was, she called me back and gave me the worst attitude, refused to properly help, an also denied her earlier statement that she gave me on XX/XX/XXXX, stating that I would receive a provisional credit on the XXXX if investigation was ongoing ( which it was ). I ultimately hung up the phone on her due to my disgust of hearing her refusal for help. I believe her name was XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: American Financial Network Inc.
State: NM

Complaint narrative:
I am submitting this complaint regarding a mortgage loan and servicing activity affecting my home at XXXX XXXX XXXX XXXX, XXXX, New Mexico. A loan was originated and used in connection with a property transfer that I did not sign or authorize. Despite my lack of consent, the property was transferred by XXXX XXXX Deed in XX/XX/XXXX. In connection with this loan and related servicing, I raised objections and sought clarification regarding the validity of the loan, authority of the parties, and my ownership interest. However, the servicer failed to provide clear responses or properly address these issues. The servicer failed to properly evaluate my situation, continued actions affecting the property despite unresolved disputes, and did not provide a clear, final determination. This appears to violate 12 C.F.R. 1024.41 ( RESPA servicing rules ), including failure to properly evaluate and respond and continuing activity while issues remained unresolved. The transaction also raises concerns regarding authority to originate the loan, use of standardized mortgage documentation, and whether proper disclosures and procedures were followed. I have maintained a continuous interest in the property since XXXX, and the actions taken have resulted in loss of property rights and ongoing harm. I request investigation into the origination and servicing of this loan, including whether the servicer complied with federal regulations, whether proper procedures were followed, and whether the actions taken improperly affected my property rights. A related complaint has been filed through the XXXX XXXX ( Complaint ID : XXXX ) regarding licensing and SAFE Act compliance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I reported unauthorized electronic fund transfers totaling {$7200.00} from my Cash App account after my phone was stolen. The funds were withdrawn to a card that I do not own and did not authorize. Cash App opened XXXX # XXXX. It has now been over XXXX business days, and Cash App has failed to issue provisional credit, complete the investigation, or provide a written determination. Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ), they are required to issue provisional credit within XXXX business days if the investigation is not complete. Despite multiple follow-ups, I have only received generic responses stating the investigation is ongoing. This is a continuing violation of federal law and is causing financial harm. I am requesting immediate provisional credit and full reimbursement of the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received a phone call this man was just employee from their fraud department. I was uneasy as well as most would be. So I did explain that to him. He claimed someone was trying to initiate a wire from transfer from my account. I placed the monster on hold to verify his legitimacy. From another phone i contacted the # listed on back of my debit card. XXXX hour for Chase whatever is out of it asked me to verify some information for him which I provided, and he proceeded to tell me that the call was legit and to proceed. As you can probably tell, the man was not with CHASE. All of my money was stolen and Chase will not under any circumstances use their federal insurance to reimburse me. I have taken all of the appropriate steps that were given to me and nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me XXXX it's clearly violating my rights. In compliance XXXX XXXX XXXX XXXX XXXX ( XXXX ) Debt collectors are legally obligated XXXX adhere XXXX XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law XXXX make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: CA

Complaint narrative:
In the XXXX XXXX, many XXXX employees ( such as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XXXX in addition XXXX salary, get restricted stock unit ( RSU ) income, which can be XXXX % of salary. When XXXX employees join a company, they get sign-on XXXX bonus, after XXXX year, some employees get XXXX refresh after performance review, typically XXXX refresh is significantly less than sign-on XXXX, but more representative of consistent income. I attach a sample, a new XXXX employee got XXXX sign-on XXXX, vest XXXX years, which means he get {$43000.00} each year. And every year, he gets XXXX refresh, also vest XXXX years, XXXX each year, significantly less than sign-on XXXX. Many employees at Linked-in do not even get refresh, which means their XXXX income is not consistent XXXX continuance. All the major lenders request XXXX refresh to use XXXX income for loan qualification. PNC is the only lender who lends XXXX new XXXX employees based on sign-on XXXX only, without refresh. This is predatory lending! PNC is creating 2008 subprime crisis XXXX! I reported PNC in the past, they said they would improve, but they did not.

Company response to consumer: Closed with explanation