vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
My account with gemini cryptocurrency exchange has been on a security hold since XX/XX/XXXX, preventing all withdrawals of funds or crypto assets. 
I first contacted support on XX/XX/XXXX, opening Ticket ID XXXX. The company replied a few times, requested identity verification documents, and I promptly provided the requested verification. After I completed verification, the company stopped responding to my multiple follow-up emails and attempts to contact support. 
As of XX/XX/XXXX, more than three months have passed with no further communication, no explanation for the continued hold, no timeline for resolution, and no restoration of account access. This has left me unable to withdraw or manage my assets, exposing them to ongoing market risk.

I have attempted resolution directly through the company 's support channels multiple times without success. I am seeking the CFPB 's assistance to forward this complaint to the company for prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I originally borrowed from mariner finance and since the loan has been reported as closed/charged off, however is still reporting as active on my credit report. I have not received a 1099 from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A representative canceled and replaced my debit card without my explicit consent and authorization, creating extreme hardships for me for over a weeks time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Follow Up on CFPB case XXXX Citi Reference Number XXXX I discovered on XX/XX/XXXX, that XXXX of my Citi ThankYou XXXX were missing from my account. My balance should be XXXX points, but only XXXX remain. When I checked the ThankYou portal, I saw XXXX unauthorized transfers totaling XXXX points ( XXXX and XXXX ). That same day, I reported the issue to Citibank and was assigned Case ID XXXX, with an expected resolution within XXXX business days. However, when I followed up on XX/XX/XXXX, multiple representatives could not locate the case. I eventually reached the points department, who informed me that the case was only just being opened, contrary to what I was initially told. My ThankYou portal access has also been blocked.

The points have been restored, HOWEVER, Citi ThankYou Department has FAILED to lift the block on my account They have made several promises to lift the block in XXXX, XX/XX/XXXX, etc.... and today XX/XX/XXXX they said " earliest resolution within XXXX hours '' but I do not trust them. I believe the CFPB should fine Citi the maximum penalty until the issue is resolved and not just " empty promises ''

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 2026-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
For the past XXXX years, XXXX XXXX and sub servicing by M and XXXX Bank, my issue is directly with M and T bank who has added my escrow on to the principle balance of my mortgage loan balance creating a negative amortization. Each year the cost of insurance goes up especially here in XXXX and of course my property taxes slightly increase. Every year they do not send notice or give me a chance to pay the additional escrow in advance. They just take the expected next year 's insurance increase and taxes and increase my principle balance. Which then has a negative impact on my credit score which than causes an increase in my auto insurance rates and credit card interest rates. In the mean while M and T Bank is now collecting more interest on my mortgage loan with the increase of the principle balance. I am a XXXX XXXX service connected disable Veteran and I understand with the very low interest rate on my home it seems they are going out of their way to find and create more ways to make money off of my situation. I feel this is very unlawful to creates a negative equity situation. They have on XXXX first not allowed me to make my new XX/XX/year> payment on line. As I went to make my payment today the screen pop up stated I can not make payment until the new balance principle balance and payment is calculate and put into the system. I feel this is just another way for them to create an opportunity to collect a late fee. I need your help please to correct this negative equity situation. This has a double negative impact on me the consumer. It not only increases the monthly payment but also lowers my credit score. The lower credit score now has an impact on many other things

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 2026-01-01 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: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal blocked my account and placed a hold on my funds for XXXX  days without giving me a clear reason. I was using my account for normal and legitimate transactions, and I did not receive any prior warning or specific explanation about what policy I supposedly violated. I have contacted PayPal for clarification, but the responses have been generic and unhelpful. The account remains restricted and my funds are still being held. I am requesting that my account be reviewed and my money released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage Services is refusing to acknowledge my legal ownership of my home, even though they already have faxed court documents proving I inherited the property through the XXXX XXXX. My grandmother, the original borrower, passed away on XX/XX/XXXX, and I filed the transfer with the county as soon as I received the death certificate, making me the legal owner. PHH continues to treat me as only an XXXX XXXX XXXX ( XXXX ) despite this. 
Foreclosure proceedings were started in my grandmothers name on XX/XX/XXXX, with a confirmed sale date of XX/XX/XXXX. PHHs most recent letter was sent XX/XX/XXXX, leaving minimal time to respond. They provided inaccurate account information, refused partial or uncertified payments, demanded full payment, and refused to cooperate with an active sale of the property currently in progress.

Customer service has provided inaccurate foreclosure status information, and PHH has refused meaningful communication regarding ownership updates, account reinstatement, or documentation acceptance. Their actions have caused significant financial and emotional XXXX, and I am now forced to file for bankruptcy to halt the foreclosure if the sale can not proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
CAINE WEINER XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I had a accident XX/XX/year>. I filed the insurance claim. I'm confused to as to why my GAP insurance will not pay the remaining amount.

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 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
The vehicle was repossessed, and Bridgecrest/XXXX  is reporting a repossession and deficiency balance to the credit bureaus. I formally requested written proof that the company provided the legally required pre-sale notice of repossession and auction, including the date, time, and location of the sale, as well as documentation showing how and when the notice was sent. The company failed to provide this information. Without proof of proper notice and a commercially reasonable sale, the reported deficiency balance and repossession tradeline are inaccurate and should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
I am a Pennsylvania resident with an active installment loan carrying a 159.56 % APR issued by OppLoans using a bank-partner structure. 

Pennsylvania law prohibits payday and high-cost installment loans with triple-digit APRs. This loan appears illegal and unenforceable under Pennsylvania law. 

The loan is auto-debiting my bank and is being reported to credit bureaus despite including unlawful interest. 

I believe this is a rent-a-bank arrangement designed to evade state consumer protection laws. 

I have already paid {$280.00}. I request that all interest be voided, payments applied to principal only, negative credit reporting corrected, and all collection activity paused pending investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
CFPB Complaint XXXX XXXX Failure to Correct Inaccurate Credit Reporting ( Loan # XXXX ) I am submitting this complaint against XXXX XXXX for failing to correct inaccurate credit reporting despite receiving my written dispute more than 45 days ago. 

I disputed a 30-day late payment being reported by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. My dispute letter and supporting documentation were sent to XXXXXXXX XXXX  and the required investigation period has passed. However, the inaccurate late payment remains on my credit report, and I have not received a proper resolution.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to conduct a reasonable investigation and respond to disputes within 30 days. XXXXXXXX XXXX  has failed to comply with this requirement, as more than 45 days have elapsed since my dispute was received.

The continued reporting of this inaccurate 30-day late payment is causing ongoing harm to my credit profile and financial standing.

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 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is the XXXX  time this has happened. I have requested several times to have o redraft protection turned off and, XXXX  again, I got an overdraft fee against my wishes. I do not understand how or why this is happening. I have reached out and tried to prevent this from happening but I keep getting taken advantage of. There is no way this is legal or ethical. I have been told it is turned off in the past but I keep getting these unauthorized charges with no explanation.

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Product : Debit card Issue : Billing dispute / Chargeback improperly denied Company : XXXX XXXX  Amount : {$380.00} What happened I am filing this complaint because XXXX XXXX  improperly reversed my chargeback and failed to credit my account despite written confirmation from the merchant that a full refund was processed. 

On XX/XX/year>, I was charged {$380.00} by XXXX XXXX ( XXXX XXXX XXXX  ) for goods I never received. 

The merchant shipped the order via XXXX. XXXX  proof-of-delivery photo does not show delivery to my address and depicts a different property. I confirmed non-delivery by checking my property, neighbors, and security footage. 

The merchant later acknowledged the issue in writing and explicitly confirmed that a full refund was processed, stating that the funds would appear within XXXX business days. 
No refund was ever received. 

I provided XXXX XXXX  with : Proof that the goods were not delivered to my address The merchants written email confirming the refund Proof that no refund posted to my account Despite this, XXXX XXXX reversed the chargeback and refused to credit my account. 

Why this is a problem Once a merchant confirms a refund in writing, the dispute is no longer about delivery. It becomes a failure to issue a promised refund, which is protected under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

XXXX XXXX  : Failed to conduct a reasonable investigation Improperly relied on courier claims despite merchant refund confirmation Failed to correct a billing error after being provided clear documentation This constitutes improper dispute handling and failure to comply with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: OK

Complaint narrative:
I disputed multiple charges on my Chime Credit Builder card that posted simultaneously after prior denials and while the account was under strain. Although Chime states provisional credits are not standard for Credit Builder disputes, the ongoing investigation has caused material financial harm, including loss of access to funds for basic living expenses. I am requesting a temporary courtesy credit during the investigation, or written justification explaining why hardship relief was denied despite documented harm. The amount total was around {$650.00} now in late on car payment and electric bill. The card charged was no longer active and XXXX show payment went through on card ending in XXXX but on chime it show the payment went through on card ending in XXXX which XXXX never had the card ending in XXXX on file and card ending in XXXX was not active and had prior declines. Also XXXX payments came out in XXXX minute on XX/XX/year>. Again I am behind on bills and account with chime is negative state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: FL

Complaint narrative:
My complaint is with PayPal. They just closed my account and holding funds. No notification. For goods and services. They permanently closed it. I have been using it for over XXXX years. I pay bills out of that account. And sell my digital services. I need my account and money. They do this all the time to people. Not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I am submitting this as a formal complaint regarding improper insurance and escrow charges on my mortgage account.

I canceled my escrow account after notifying Cooper Mortgage Company that I would pay my home insurance and town taxes directly. This decision followed repeated errors in the handling of my escrow account.

In 2024, I canceled my existing home insurance policy and obtained a new policy. Despite this, Cooper Mortgage charged me for two insurance policies at the same time, the canceled policy and the new policy, even though only one insurer was paid. I contacted Cooper Mortgage multiple times to correct this error. On one occasion, I spoke with XXXX XXXX from the Resolution Department, who stated that the issue would be resolved.

The issue was not resolved. Cooper Mortgage has continued to charge me for insurance through escrow even after the escrow account was canceled and despite the fact that I pay the insurance directly. These charges are improper. Rather than charging me, Cooper Mortgage should reimburse me for the duplicate and unauthorized insurance charges already collected.

I have never received documentation explaining or justifying these charges. Based on my own calculations, I believe I have been overcharged. I am requesting a complete written accounting of all escrow and insurance charges applied to my account, identification of any errors, and prompt reimbursement of all improper charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding a discrepancy on my Wells Fargo bank account involving a pending credit that was not made available to me and was later removed without explanation. 
I had a XXXX store return in the amount of {$250.00} credited back to my account. I observed this transaction listed as pending in my Wells Fargo account. However, despite the pending status, the credit amount was not added to my available balance. 
At the same time, I had another pending transaction in the amount of {$1600.00} which Wells Fargo allowed me to use while it was still pending. When I contacted Wells Fargo to question why XXXX pending transaction was usable and the XXXX credit was not, I was advised that the credit would eventually become available. 
Contrary to this explanation, the pending XXXX credit was later completely removed from my account without being posted or made available to me. This action makes no sense and was done without proper notice, documentation, or justification. 
This inconsistency in how pending transactions are handled raises serious concerns regarding transparency, accuracy, and compliance with banking regulations. I will be attaching documentation showing the pending credit and its subsequent removal.

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