vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I received a message from XXXX XXXX that my score went down. When I checked I saw a collector name of Caine Weiner posted {$110000.00} on my account. I XXXX the collector information so I can get their number. When I called them they stated that I have a store by the name of XXXX XXXX XXXX in XXXX XXXX NJ. I took a loan of the amount of XXXX XXXX XXXX XXXX dollars. I told them I do not own a store and I never have. I told them I need this to be removed from my credit. I went to the police station within my district, I traveled three hours away from my house to file another complaint in XXXX XXXX NJ where they told me market is to file a complaint. I sent them both report information. I am still waiting for their response. I disputed it on XXXX, XXXX. I am still awaiting for their response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Due to this being a continuing problem now 18 months old, An attachment letter is enclosed along with a a list of questions Synchrony bank has refused to answer. Except for vague form letters. they have not answered anything including Comptroller complaint and PA attorney general complaint. It is a long letter.

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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Business Corporation
State: VA

Complaint narrative:
I have a detailed memo I would like to upload, but basically, SWBC Mortgage refused to correct the issuance of late payments caused by their own automatic payment system. When I set up automatic payments, their system defaulted to 1 XXXX, even though I wanted to submit payment for XXXX XXXX. I have another loan from SWBC and already had setup auto payments, so I was getting notices when SWBC withdrawals occurred, but never the amounts or loan numbers, so I did not suspect that the second mortgage was set up in error. SWBC never attempted to call me, text me, or email me to let me know there was a late payment issue, even though they had all the banking information in their system. They have an internal policy that if the first payment doesn't go through, they don't accept any subsequent payments. So, my account went unpaid for 5 months. I logged onto their portal in late XXXX to discover late charges. They contacted me two weeks later to let me know what had happened, and I immediately paid the ~ $ XXXX in outstanding payments. Then I found out they had reported this issue to the credit reporting agencies, so I asked them to retract the error they created... They refused. It is wrong that they made the mistake and are now trying to make it appear as if I was intentionally late or unable to pay NOT TRUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: OK

Complaint narrative:
This account ( originally XXXX ) was opened in XX/XX/XXXX by a different debt collector and was sold in XX/XX/XXXX to this new debt collector. WITHOUT notifying me. This is quite illegal in the state of XXXX. The collections agency hasnt even contacted me so I dont know how to contact them to even dispute this or whatever I need to do. This is putting me in a financial hardship as I was on my way to buy a car this week. I do have screenshots of where the XXXX charged for the last bill and when the first collections account was opened from credit karma. NO COLLECTOR HAS CONTACTED. Once again very illegal please help me. The last photo provided is from XX/XX/XXXX at XXXX XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I got a called on XXXX around XXXX pm from a chase bank number which the person stated that they were from chase bank stating that someone was doing a fraud withdraw on my account. I never pressed anything to authorize this transaction. When I called the bank back it was the same person I had in the other line. I went to the bank the next day and I opened a case against this, and they promised that will reimburse me the money which is an amount {$4900.00} which is a lot of money and they are not doing anything about it, and they are not giving me any answers and they closed my case with no resolutions. I need someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been attempting to open a revocable living trust account since XX/XX/year>. I visited XXXX Bank of America locations, including the XXXX XXXX XXXX inside the Bank of America XXXX at XXXX XXXX XXXX in XXXX, XXXX. All interactions at the XXXX location involved the same XXXX representative, XXXX. Across four visits, I was given contradictory and incorrect requirements, including being told I needed an existing account in my current name, that I needed to amend my trust to match my married name, that I should visit another branch that does not open trust accounts, and that my trust must list the XXXX and XXXX inside the document that it uses my Social Security Number. These statements are incorrect. Revocable living trusts use the grantors XXXX under XXXX rules, and the XXXX is provided on a XXXX, not embedded in the trust document. When I questioned the inconsistencies, the representative told me, If you dont like it, you can choose another institution. This was unprofessional and dismissive. Despite providing proper documentation, I was repeatedly denied the ability to open a standard trust account. The pattern of treatment raises concerns about equitable access and potential discriminatory treatment. I am requesting that the CFPB review this matter.

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 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
XX/XX/year> XXXX representatives contacted me and interrogated me about a purchase I attempted to make buying a crypto currency that was advertised on instagram as a new meme coin. Whether it was a scam I was unaware and I attempted to invest {$20.00} from my Robinhood account and my account was frozen and asks to submit verifying documents which was provided. Ive had my Robinhood account for over a decade and thats an insult to my close my account over {$20.00} accusing me of being apart of a group I have no idea what theyre talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc. began attempting to collect an alleged debt from me. Upon receiving notice of the alleged debt being reported on my credit report, I exercised my rights under federal law to request validation of the debt. On XX/XX/XXXX, I sent a written debt validation request to Transworld Systems IncXXXX via certified mail, requesting verification of the alleged debt. My request asked them to provide documentation verifying the existence and amount of the alleged debt, the identity of the original creditor, and proof that Transworld Systems Inc. had the legal authority to collect the debt. After receiving no response, I sent a second written debt validation request via certified mail on or about XX/XX/XXXX. Both letters clearly requested that Transworld Systems Inc provide validation of the alleged debt and cease collection activity until such validation was provided or delete the collection account from my credit report. Despite receiving both of my certified letters, Transworld Systems Inc. failed to respond to either request and failed to provide any documentation verifying the alleged debt. They have ignored my requests for validation. Furthermore, despite the unresolved dispute and lack of validation, Transworld Systems Inc. has continued reporting the alleged debt as a collection account to consumer credit reporting agencies, including but not limited to XXXX XXXX XXXX XXXX This continued reporting has negatively affected my credit report and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Request for Full Discharge of Student Loans Due to XXXX Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by XXXX due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. I have applied for Borrower Defense several times, but each time I complete the application the system generates an error and will not allow me to submit it. XXXX misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, XXXX has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which XXXX has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). XXXX conduct has caused me significant financial harm, mental XXXX, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on XXXX advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I LOST MY WALET I BELIEVE SOMEONE IS USING MY INFORMATION TO OPEN ACCOUNT IN MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint against Capital One Auto Loan for unfair and contradictory practices regarding a documented medical hardship. On XX/XX/2026, I contacted the company to request assistance because a serious illness has left me unable to work. During this call, the representative told me that my medical condition was " not a good enough reason '' for help and suggested I call back later to provide a different reason for my hardship. Despite this dismissive advice, the same representative instructed me to submit a letter from my physician to verify my situation. I complied with this request and provided the medical letter, which the company has acknowledged receiving. However, when I followed up on XX/XX/2026, the company informed me that I must make a payment by XX/XX/2026, before they will evaluate my request for assistance. I believe these actions are unreasonable. The company is requiring a payment as a pre-condition for help from a consumer who has already provided professional proof of a total loss of income. Furthermore, providing misleading information about what qualifies as a hardship is a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I am being sued for outstanding credit card debt. Money is being deducted from my account to pay off the debt without wiligness to evaluate payment plans. The money being deducted is to pay my mortgage for my family and I. Notices were sent while I was away for work to keep my family afloat. The debt has also been sold to different creditors but yet I am still being sued. There are people who owe much more than me with longer debt times that have not been sued. I feel targeted and I've maintained my position to assess payment plans due to not being in a position to pay the debt in full. I am being put in a position to risk my mortgage and home due to having money taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I am writing to escalate an urgent financial issue regarding my account ( # XXXX ). Not only has E * TRADE restricted my access for 25 days, but the firm has also unilaterally initiated unauthorized ACH withdrawals against my linked bank account. These actions have forced my bank account into a negative balance, restricted my banking access, and caused me significant financial and credit damage. E * TRADEs decision to execute these withdrawals without my explicit authorization, combined with the continued withholding of my funds, constitutes a gross violation of financial regulations and professional standards. You have caused direct, documented harm to my financial reputation and personal life, as I rely on these accounts for my business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> a submitted a payment for home insurance to XXXX for {$130.00}. Cash App took the money out of my account- but XXXX cancelled my policy and said they never received the money. I submitted a dispute on the cashapp app. The denied the dispute without even contacting me. I appealed and have been waiting over 2 months now. I am not able to speak to a XXXX they say they are only available by email and then I never receive an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I received a letter on XX/XX/year> about debts owed to the collection agency. I requested per the FDCPA validation of the debt. I asked for proof of the debt being owed, original creditor information, and if the debt is authorized to be collected on behalf of or if it was purchased. I did not receive any of the information. They instead proceeded to sue me. When brought up in court about me not receiving the requested information and that I am entitled to it per the FDPCA the judge basically told me that's not how it works. I received some information on the date of the judgement. In the letter and per the FDCPA I asked for 30 days to review the information. The company violated my rights as a consumer to validate debt and per the FDCPA they were to cease collection activity until they provided me the validation documents. They continued to violate my rights as after I sent the letter to stop any communication except for in writing and sent to my address they continued to email me. They claim that they never received anything. They are now trying to garnish my wages. This is on a false basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have been making payments every month ( {$60.00} XX/XX/XXXX, {$44.00} XX/XX/XXXX $ XXXX XXXX, {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX, {$40.00} XX/XX/XXXX. Despite this, the bank has charged {$120.00} in late payment fees only in this years and previos balance as of XXXX {$150.00}. The fees are significantly higher than the original balance and I believe the minimum payment requirements were unreasonable considering the small balance. I requested assistance and they only offered to remove XXXX fee. I am requesting a full review and removal of excessive late fees.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I went to the Chase Bank on XXXX and XXXX XXXX to deposit. The bank seemed packed so I went through XXXX XXXX up ATM to deposit XXXX dollars. I put my card in and started to deposit when the machine locked down and took the money and completely shut down. Then I parked and me and my son went in to explain what happened to a bank member and she provided the fraud and claims number to call and advised us not to worry. I made the claim and noticed that they closed the claim the same day. I've gone there everyday they have been open since this began and still no money or deposit. I finally said okay where are the cameras so that you can physically see me making the deposit. Oh that's corporate we can't do that for you, it's bank policy. The police offered to view the tapes but since it's through corporate it's another dead end. A true nightmare because I got the money from my husband who is a XXXX veteran and that is why XXXX so upset bc he or I do not deserve this. Additionally, my poor son who is XXXX and has XXXX said that he was going to close his account. XXXX at wits end with this and chasing a bank called chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX, I noticed that something was wrong with my computer. I received emails that someone tried to log into multiple of my accounts. I immediately checked my bank account and noticed that there were XXXX XXXXXXXX XXXX XXXX in my bank account to " XXXX XXXX ''. One of the e-transfers was cancelled and the other one went through. I also logged on to my Paypal and noticed that there was money sent to " XXXX XXXX '' through friends and family for XXXX XXXX that was still pending. I did not make or authorize any of those transactions. I immediately called Paypal and spoke with a representative to cancel this transaction. The Paypal representative said not to worry and he will put in a request for them to reverse this. I changed my passwords on all my accounts. Right after my call to Paypal, I went to my bank XXXX to alert them. My bank was able to give me back the XXXXXXXX XXXX that went through e-transfer. My bank also gave me a new credit card. The next day, I checked on Paypal and noticed that the transaction went through. I called the Paypal customer service agent again who states that I need to contact my bank and request my bank to collaborate with Paypal to get my money back. I went to my bank who submitted a form and refunded me the XXXXXXXX XXXX transaction that went through Paypal. I thought that this was what Paypal meant when they told me to go to my bank. After that, I noticed that I had a negative balance on Paypal. I had multiple phone calls with different Paypal representatives who gave me varied answers. Some said that they can help and put a case to remove the money from the Paypal receiver ( XXXX XXXX XXXX 's end and remove my negative balance, others that said they can not do anything, and others that said to talk to the police. I filed a report with the police and provided it to Paypal. I have attached a screenshot of the Paypal dispute. I talked to the Paypal fraud team who stated that they researched that there was no unauthorized transaction because there is no proof that I was not the one who sent the e-transfer to XXXX XXXX. The police investigated this case as fraud and states my bank also sided with me from deeming this as fraud, so I'm not sure why Paypal is siding with the scammer. I spoke to a fraud team representative on Paypal " XXXX '' who says that he is not able to send me information through emails or any other way about our current conversation. He says Paypal is not going to provide me any information regarding previous conversations nor provide any information I requested about this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I purchased a Vanilla Gift Card for {$56.00} at XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX, MD XXXX on XXXX XX/XX/year>. The product is defective as it lacks the advertised ZIP code registration feature required for online use do it being removed by XXXX XXXX XXXX XXXX. I informed the store XXXX XXXX that the product was non-functional and that the vendor 's phone number is a dead loop. Despite my distress, the documented product failure and the explanations, the XXXX refused a refund, citing 'all sales are final ' for a faulty financial product. This is deceptive trade practice and a violation of the implied warranty of merchantability.

Company response to consumer: Closed with explanation