vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lentegrity Management, LLC
State: IL

Complaint narrative:
LENDTEGRITY has been calling be literally all day repeatedly back to back to back, and even after leaving voicemails they still call repeatedly again and again and again, and even after being told to cease and the debt collector hung up on more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: NC

Complaint narrative:
I brought my girlfriend some gifts off XXXX on XX/XX/year> that she been wanting they was out of stock so they had to refund my money for {$250.00} but cashapp closed my account for some reason saying verification issue but ive been verified so now its closed and i have yet to receive my refund i reached out to cashapp cause it showed my refund was declined then cashapp told me that XXXX has to send the money because they denied the refund which made no sense at all when i have proof XXXX sent the refund the date and transaction id as well as proof that i was verified and cashapp declined my refund XXXX stated my refund was completed the same day which was on XX/XX/year> and I should get it by XX/XX/year> on XX/XX/year> they refunded it but cashapp has yet to give me my money back so i reached out today on XX/XX/year> to ask cashapp where is my refund they refused to answer me so i had my girlfriend reach out to XXXX and see if cashapp rejected the refund on XXXX end it only shows it was refunded successfully

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: NY

Complaint narrative:
I am filing a complaint regarding my XXXX account, which was permanently deactivated while approximately {$320.00} of my funds remain inaccessible. My last successful XXXX transaction took place on XX/XX/year>. On XX/XX/year>, I attempted to withdraw my remaining balance and discovered that my account access had been restricted. On XX/XX/year>, I contacted XXXX support by email to ask why my account was blocked and to request assistance. XXXX then requested identification documents, which I promptly provided. On XX/XX/year>, XXXX informed me that my account had been permanently deactivated due to alleged violations of their User Agreement. However, no specific explanation, evidence, or details regarding the alleged violation were provided. I do not believe I engaged in any suspicious, fraudulent, or prohibited activity. I had only recently started using the account again for ordinary personal transactions between friends, such as splitting lunch expenses and concert ticket payments. XXXX also informed me that my funds may be held for up to 180 days for loss prevention purposes. At this time, approximately {$320.00} belonging to me remains inaccessible. Additionally, I have a serious concern regarding future access to my funds and communications from XXXX. The email address currently associated with my XXXX account is a XXXX XXXX email account that will be permanently deactivated approximately 90 days after graduation. Since XXXX states the funds may not be released for up to 180 days, I contacted them on XX/XX/year> requesting that the email address on file be updated to my current personal email address so I do not lose access to communications regarding withdrawal of my funds. Because my account has been deactivated, I am unable to update the email address myself through the app or website. Despite contacting XXXX regarding this issue on XX/XX/year>, I have not received a response. As of today, XX/XX/year>, I am filing this complaint because I am concerned about losing access to communications regarding my funds and because I still have not been provided a meaningful explanation for why my account and funds were restricted. I am requesting that XXXX : 1. Provide a reasonable explanation for the account deactivation and fund hold ; 2. Allow me to update the email address associated with the account ; 3. Ensure I maintain access to communications regarding my funds ; 4. Release my {$320.00} balance to me as soon as legally permissible. I understand and respect the need for fraud prevention and account reviews. However, I believe I should still have reasonable access to my own funds and the ability to maintain accurate contact information while any review or holding period is ongoing. Account under XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Due to issues with Ally app and no useful information from customer service, the correct payoff quote changed or disappeared every time they refused one of my payments. Their reason for refusing my payment was that I was using the incorrect bank account, but I have proof that every time I tried to pay the payoff quote, I was using the correct bank account, the one that I had used to pay my monthly payment. The app would not accept my payoff, and every day more fees were being added. I was told to make payments over the phone if the app wasnt taking my payment, but could only do {$2900.00} at a time and was charged four dollars for the payment. I was told by Customer service to try making my payment through my bank, which I was able to do for XXXX. The amount I paid was for the payoff quote at the time of payment. Ally had informed me that my XXXX payment had been returned. After my pay off went through, Ally then went and reran my {$2900.00} payment and it went through. My account is now closed, my vehicle is paid off, and I am owed {$2900.00} for overpayment due to issues with their app, incorrect and changing payoff quotes, returned payments being retried, and incorrect information from customer service.

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 2026-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: VA

Complaint narrative:
I have been receiving tens of phone calls per week from Mohela. They will not allow me to record the phone calls, nor will they respond to me in writing. The options they offer when I speak to them are simply to extend the life of the loan or otherwise add to the debt in order to reset the clock, then ask for a {$700.00} - {$800.00} payment. To date I have paid over {$60000.00} on {$23000.00} of loans, and my principal currently stands at over {$60000.00} more. Over eight years of payments they applied {$15000.00} to principal, but they have continued capitalizing interest and growing the principal to a place where affordable payments will never outpace interest. They've given me a date of XX/XX/XXXX to act, but have not told me what they will do on that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: TX

Complaint narrative:
I am filing this formal complaint against PayPal for the arbitrary freezing and withholding of my essential payroll funds, which are strictly necessary for my daily subsistence.I am a Texas resident, and my employer regularly deposits my salary into my account. PayPal has permanently limited the account under Case ID : XXXX and is threatening to hold my livelihood hostage for 120 days. These funds are tied directly to payroll deposits from my employer; there is zero risk of buyer disputes or commercial chargebacks.Furthermore, PayPal is actively engaging in deceptive consumer practices and stonewalling my attempts to resolve this : Deceptive Identity Verification : PayPal customer service requested identification. I provided my current, legally valid Texas Driver 's License in PDF format. The agent rejected the file, claiming PDFs are " not an allowed file format, '' directly contradicting PayPals official secure upload portal, which explicitly lists PDF as an approved format.Violation of Right to Disclosure : When I requested clarification on what specific policy or regulation I allegedly violated, PayPals customer support formally stated that the reason for freezing my funds is " confidential. '' Withholding the specific cause of an adverse financial action against a consumer is a severe violation of transparency and fair financial practices.PayPal is abusing its platform power to commit a de facto seizure of my salary. I demand an immediate senior management review of XXXX XXXX , acceptance of my valid Texas ID, and the immediate release of 100 % of my funds to my linked bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I am a military service member serving in the XXXX XXXX. I obtained American Express credit cards after being informed that military members are covered under their military relief programs, including the Servicemembers Civil Relief Act ( SCRA ) and the Military Lending Act ( MLA ) benefits. On the other hand, my XXXX XXXX XXXX XXXX was successfully approved under the SCRA, and the annual fees were waived without issue. However, with American Express, they stated that they were unable to verify my military status. I provided official documentation from my unit, including a signed and dated memorandum confirming my active service in the XXXX XXXX, but my requests continued to be denied. I am extremely frustrated with this situation, as it has negatively affected both my security clearance and my credit score. Despite my continuous efforts to resolve the matter directly with American Express before it escalated further, my accounts were eventually sent to a collection agency. Throughout this process, I actively communicated with their representatives and managers, escalated the case multiple times, and attempted to provide all requested documentation. Unfortunately, no solution was reached. Meanwhile, fees and interest continued to accumulate on the unpaid balances, which further worsened the situation before the accounts were transferred to collections. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I genuinely feel that I have done everything within my power to resolve this issue in good faith, and I believe I have been placed in an unfair position despite my military service and repeated attempts to cooperate and provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I am complaining about a denied cash bonus on my ETRADE XXXX XXXX Account. ETRADE offered a {$750.00} bonus for depositing {$50000.00} in 'Net New Funds. ' I deposited a total of {$51000.00} in qualifying external funds. On XX/XX/XXXX, E * TRADE sent a confirmation stating I had met the deposit criteria. However, on XX/XX/XXXX, they denied the bonus, claiming a {$20000.00} portion of my deposit was 'internal funds '. This is factually incorrect. On XX/XX/XXXX, I received a WIRE TRANSFER of {$20000.00} from an external bank. Because of a portal error, the wire landed in my E * TRADE Brokerage account ( XXXX ) first. I moved those EXACT external funds to the Savings account on the SAME DAY ( XX/XX/XXXX ). E * TRADEs automated system is incorrectly flagging a same-day external wire as 'internal money. ' Despite providing proof of the external wire origin, the marketing department refused to perform a manual audit. I have met all 'Net New Funds ' requirements as defined in their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX at XXXX a charge of XXXX dollars was made on my cash app to a XXXX XXXX. My phone had been stolen days before I just recently got a new phone to replace stolen phone on XX/XX/XXXX which is also day I noticed charge and day I filled a dispute with cash app I today got a denial letter from cash app because a security feature was used I don't know a XXXX XXXX and it even stated that they were not in my contacts nor anyone I know knows her

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: AL

Complaint narrative:
My account is deactived. I know that your team refunded me but my bank account is problem so my money sent back to Wise. I asked your team refund to my friend 's account from XX/XX/year> but they haven't refunded it yet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: NY

Complaint narrative:
My funds were taken out of my account after a dispute was reversed. I called the job spoke to them about it. There was no resolution in return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX, XXXX and demand to immediately cancel foreclosure sale of my property on XXXX XXXX by unauthorized debt collectors XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX and its artificial intelligence On XX/XX/XXXX and XXXX, XXXX I had visits from trespassers who tried to lure me into their cash for keys scam. These scammers informed me that here is a foreclosure scheduled by unauthorized unlicensed debt Collector XXXX who published the fraudulent Notice of sale, hired local newsletter to publish this Notice and hired local auctioneers whom XXXX provided documents and instructions to conduct this sale and return documents to XXXX. On XX/XX/XXXX I received a text message from an appraiser who told me that here sis a pending VA liquidation sale ( which is a different procedure than XXXX foreclosure sale ) and this appraiser want to enter my property to appraise it. When I asked the appraiser for proof of authorization from VA or any other officer of the Creditor, she said she has no documentation to prove her authority to appraise my property Under HUD rules and my VA loan documents I must be provided a face to face meeting at least 30 days before any foreclosure was filed and this foreclosure must be approved by the Department of VA. I did not receive any notices at all neither about foreclosure by XXXX or VA liquidation sale. All my attempts to schedule this face to face meeting from my end failed. I several times called and spoke with various call centers employees, including those who send the appraiser- and I did not get any help or any proof of authorization from VA and the Creditor. I dont even know the name of the individual lawyer who is authorized by VA to handle this sale. All my attempts to contact the law firm failed. Nobody responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I signed in to my care credit account and saw my balance had doubled. I checked the activity history and saw an interest charge of over {$1200.00}, when my normal interest charges have been less than {$10.00}. I contacted the company and they said a promotion period had ended. I never signed up for a promotion. I was at a chiropractor XXXX years ago and asked for a credit line increase, which was approved but nothing about a promotion was mentioned. I have been paying extra principal payments on this card for over a year to try and pay off the balance early. I logged in this morning to do the same and saw the discrepancy. I was not made aware of this at all, no emails or texts or letters about this throughout the entire time. Ive had this card for years and never had surprise interest charges before. This is deceptive and a shock.

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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding overdraft fees charged to my account totaling {$100.00} on XX/XX/year>. My account had already been brought back to a positive balance after funds were sent to me via XXXX. Despite this, additional transactions were later posted in a manner that resulted in three separate overdraft fees being assessed. I believe the fees charged were excessive and unfair under the circumstances, especially given that I acted promptly to resolve the negative balance. I previously contacted the bank regarding these fees and was advised that a prior courtesy refund prevented any additional assistance. However, I am requesting a review of how these transactions were processed and whether the overdraft fees were applied fairly and reasonably. At a time of financial hardship, these fees created an additional burden and significantly worsened my financial situation. I am requesting that the overdraft fees totaling {$100.00} be refunded and that the account activity be reviewed thoroughly. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against LVNVFunding llc regarding a collection account being reported on my credit report. I received communication from this company that included threats involving attorney action and possible legal proceedings. I believe the language used was intimidating, misleading, and potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ), especially if the company can not fully validate the alleged debt or if the debt is beyond the legal reporting period. The collection account continues to negatively affect my credit report despite concerns regarding the collection practices being used. I am requesting that this account be investigated for compliance with the Fair Credit Reporting Act ( FCRA ) and FDCPA. I respectfully request : Full validation of the debt, including proof of ownership and authority to collect Investigation into the threatening language and collection tactics used Removal of the collection account from my credit reports if the company can not fully verify the debt or if violations occurred I am requesting assistance in resolving this matter and protecting my rights as a consumer. Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Morgan Stanley Private Bank for no reason illegally claimed restricted my accounts after being provided full information proving that there were no illegal activity on the account. They made false claims, did not return phone calls, refused to cooperate with another bank. There was NO ILLEGAL activity AT ALL - WHATSOEVER - to justify any restrictions, no reason. MOST IMPORTANLY - they claim restrictions on the absolutely unrelated account, for absolutely no reason - the different account where there was absolutely NO activity whatsoever - AT ALL, neither legal nor illegal - specifically to deny a promotion this account under false pretenses. The attached statement shows there was absolutely no activity on the account - no activity whatsoever- of any kind- and the account has fully met the bonus eligibity requirements. The activity was on entirely different account, and per the attached documents nothing illegal at all. Morgan Stanley Private Bank just wants to illegally deny me the fully earned bonus for no reason, just as they have done it in the past ( see previous complaint )..

Company response to consumer: Closed with explanation