vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Dear PayPal Support, I am writing to formally request an urgent escalation and review of the permanent limitation placed on my PayPal account associated with [ XXXX ], as well as the restriction on my current balance. I fully understand that PayPal must enforce policies related to disputes, risk, and account activity. However, I respectfully believe my situation warrants a closer and more thorough review. I want to clearly state that all funds in my account are from legitimate sources, including transfers from my personal bank account, financial support from family members, and earnings from XXXX. My account has been used strictly for general personal spending and normal financial activity. Regarding disputes, I have always acted in good faith and only initiated them when I believed there was a legitimate issue with a transaction. In the majority of cases, I provided supporting documentation either through PayPal or directly to the merchant and made that clear within the dispute process. I have been a PayPal user for over three years and have verified my identity with accurate personal information. My account history should reflect consistent and legitimate usage over time. At this point, my primary concern is access to my funds. A portion of my balance was recently transferred by a family member and is intended for essential financial obligations. Not having access to this money is creating immediate financial difficulty. With this in mind, I respectfully request : * An urgent and thorough re-evaluation of my account limitation * A clear and specific explanation for the decision made * Consideration for restoring limited access to my account, if possible * At minimum, consideration for releasing my available balance, or allowing a withdrawal, given that these funds are not associated with any active disputes I am fully willing to cooperate and provide any additional documentation, verification, or clarification required. I respectfully ask that my case be reviewed with full consideration of my account history and the legitimate nature of my funds. Thank you for your time and understanding. I would greatly appreciate any assistance or escalation you can provide in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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
State: MI

Complaint narrative:
1. Transaction and Service Failure On XX/XX/2026, I authorized a {$37.00} payment to XXXX XXXX for a " Same-Day Instant '' medical consultation. This was a time-sensitive contract for immediate medical access. The merchant failed to provide the service at the confirmed XXXX XXXX appointment time. The physician did not initiate contact until XXXX XXXX, over four hours after the appointment and outside the promised " Same-Day '' window. 2. PayPals Deceptive and Conflicting Denials I filed a " Significantly Not as Described '' dispute with PayPal ( Case ID : XXXX ) because the " Instant '' service was never delivered. PayPals response was deceptive and contradictory : Contradictory Communications : On XX/XX/2026, PayPal sent an email stating they found " no evidence of misrepresentation. '' However, my official account dashboard simultaneously lists the case as closed because the transaction was " ineligible for Purchase Protection. '' Failure to Investigate : Providing two different, conflicting reasons for denial demonstrates that PayPal failed to conduct a reasonable investigation of the facts. This is a Deceptive Act under the Consumer Financial Protection Act. 3. Abusive Practices Toward Vulnerable Consumers As an indigent consumer living on a fixed income and managing a XXXX, I rely on the integrity of financial protection systems to access necessary XXXX XXXX. PayPals decision to provide conflicting excuses to avoid a {$37.00} refundan amount that represents a significant portion of my monthly budgetis an Abusive practice. They are taking advantage of my inability to protect my own interests against their automated and contradictory denial systems. 4. Financial Injury and Requested Resolution PayPal is facilitating a " bait and switch '' by a merchant and shielding them from accountability for services not rendered. This has caused me direct monetary injury and created a medical barrier. I am seeking a full refund of {$37.00} and request that the CFPB investigate PayPal for deceptive dispute handling practices that target indigent and XXXX consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
Subject : Consumer Complaint Against TitleMax Misleading Repossession Communication and Breach of Peace To Whom It May Concern, I am submitting a formal consumer complaint regarding the repossession of my vehicle by TitleMax and the conduct surrounding it. I was aware that my account had entered repossession status. However, I was clearly informed by a TitleMax representative that I had until the XXXX to make a payment of XXXX dollars which had been discussed multiple times prior to the end of the call. Based on that representation, I reasonably believed I had until that date to cure the default before repossession would occur. At no point was it explained that repossession could occur immediately despite that stated timeframe. As a result, I relied on the information provided and was not given a fair opportunity to prevent the repossession. Additionally, during the repossession, the third-party agent acting on behalf of TitleMax escalated the situation and made a direct threat of physical violence, stating words to the effect of come over here and Ill knock you out. A second individual identified as a trainee continued to provoke and escalate the situation rather than de-escalate it. This conduct raises serious concerns regarding breach of peace during repossession, as agents are required to avoid confrontation and disengage from escalating situations. As these agents were acting on behalf of TitleMax, I believe the company bears responsibility for their conduct. I am actively attempting to resolve this matter by reinstating the loan and recovering my vehicle. However, the combination of misleading communication and threatening conduct has caused significant concern and hardship. I respectfully request that your office review this matter for potential violations of Kansas consumer protection laws and take any appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX M & T Bank sent me a written forbearance plan offer suspending my payments beginning XX/XX/XXXX for 6 months. The letter explicitly states M & T is " offering you an opportunity to enter into a forbearance plan '' and instructs me to " Accept or Reject This Offer '' by XX/XX/XXXX. I accepted within the deadline through the stated channels. This offer-and-acceptance language confirms the plan is binding but also confirms the offer letter alone is not the plan documentation required by XXXX XXXX XXXX XXXX XXXX XXXX My portal shows {$0.00} due for XX/XX/XXXX confirming the plan is active. M & T Bank has failed to provide the required Evaluation Notice as mandated by XXXX XXXX XXXX XXXX XXXX, which explicitly states that forbearance plan terms must be provided to the borrower using an Evaluation Notice. The letter M & T sent is identified at the bottom as " XXXX - XXXX XXXX Suspended Payments Letter. '' This is a solicitation offer letter, not an Evaluation Notice. These are XXXX distinct documents serving XXXX different purposes. When I called on XX/XX/XXXX to request the required documentation, the representative stated the offer letter is the only documentation available and refused to escalate or investigate. That response is factually incorrect and non-compliant with Fannie Mae 's own servicing requirements. M & T Bank 's system and phone representatives also now classify my arrangement as a repayment plan, which is legally and functionally different from a forbearance plan. M & T refused to correct this misclassification, stating it is their wording and will not be changed. I have held this mortgage since XXXX with consistent payments including extra principal payments. Balance is approximately {$28000.00}. I am pursuing federal contract employment requiring security clearance with a financial review component. M & T XXXX failure to provide mandatory documentation and misclassification of my plan constitutes direct material harm to that process. A prior written RESPA Qualified Written Request was sent via email XX/XX/XXXX with no response. Certified mail version being sent XX/XX/XXXX to M & T XXXX designated RESPA address per XXXX USC XXXX ( XXXX ).

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 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I paid this account off in full. The representative told me that I would receive a faxed " Paid in Full '' letter to use to dispute the account for a deletion. I have disputed the account multiple times and Target has failed to honor their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Klarna AB
State: NY

Complaint narrative:
On XX/XX/XXXX I made a bundle payment to Klarna for {$95.00}. Instead of charging me once, it charged me twice. I instantly reached out to customer service where they told me to reach out to my bank. I then reached out to my bank in the morning as I made the payment late at night. On XX/XX/XXXX, they gave me provisional credit and Klarna placed the orders back onto my Klarna account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I paid for the orders Klarna put back onto my account. However on XX/XX/XXXX, my bank took {$95.00} from me as a reversal for the provisional credit. Leaving my account in the negatives. I reached out to Klarna and they gave no help. They instead did not understand the situation. When I would ask for a new agent, and XXXX specifically for disputes, I was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PNC Bank N.A.
State: NC

Complaint narrative:
While shopping for mortgage lenders as a first-time homebuyer, I was advised by a PNC loan officer, XXXX XXXX XXXX XXXX # XXXX ), that I qualified for a closing cost grant of up to {$5000.00} through an income-based program. In order to qualify, she specifically recommended that I apply for the mortgage using only my individual income and exclude my husband from the application. Based on this representation, and the financial benefit of the {$5000.00} grant, I chose to proceed with PNC under those terms. On XX/XX/year>, I received written confirmation from XXXX XXXX indicating that I had been approved for a grant of up to {$5000.00}. In multiple subsequent phone conversations, she confirmed that the grant amount would be {$5000.00}. This amount was also reflected on my initial Loan Estimate, further reinforcing that this was the agreed-upon benefit. However, on XX/XX/year> ( less than one week before my scheduled closing ) the final Closing Disclosure reflected a grant amount of only {$3000.00}. Believing this to be an error, I immediately contacted XXXX XXXX for clarification. At that point, she stated that she had forgotten to inform me that the grant amount was only {$3000.00}, contradicting her prior written and verbal representations. When I asked whether PNC would honor the originally stated {$5000.00} grant, I was by XXXX told that nothing could be done and that I could pursue the matter with PNCs legal department if I believed there had been dishonesty. That message from XXXX stating that no action could be taken was oddly sent via PNC internal secure message, thus I no longer have access to it to attach. With closing imminent ( XX/XX/year> ) and no practical ability to switch lenders, I was forced to proceed under these revised terms. This situation reflects a pattern of misleading and deceptive communication. I made a significant financial decisionincluding structuring my mortgage application in a less favorable waybased on repeated assurances that I would receive a {$5000.00} closing grant. The last-minute reduction in the grant amount, combined with the explanation provided by loan officer XXXX XXXX , raises serious concerns about transparency, accuracy, and fair dealing in PNC 's lending process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I keep getting harassing calls from XXXX XXXX. They keep harassing my family members as well. I have told them to stop and have disregarded my requests on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: IL

Complaint narrative:
Jefferson Capital System keep appearing on all XXXX of my credit bureau was already told several times and contacted by this company that the account is not mines please have them remove this and for it to stay removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: AL

Complaint narrative:
There is a collection account from Jefferson Capital Systems listed on my credit profile. I have no knowledge of this account, never opened and never signed any agreements with this company, and if this is a third party? I never received a debt validation notice, with the right to dispute which is required by law under the FDCPA prior to reporting. I have ONLY received a letter telling me to pay after it has been on my credit report which is why it was brought to my attention. This was never validated and should not appear on my credit report. This situation has caused distress, and reputational harm, and potential financial damage all while violating the federal laws. My credit profile has been affected for no given reason. This gives me the right to pursue further legal action if this account isn't terminated upon my request. It is recommended that any information assessed is returned back to the original creditor ( If there is XXXX ). This statement should not be construed as acknowledgement of the alleged debt. However, I am aware that many debt collection companies purchase or are assigned accounts without independently verifying the debt belongs to the consumer they are attempting to collect from, but under the FCRA ( XXXX U.S.C. Section XXXX ) companies that furnish information to credit bureaus have a legal duty to follow and it is believed that it wasn't followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am filing a complaint regarding unauthorized electronic fund transfers from my checking account by PayPal. Multiple transactions were withdrawn from my bank account without my authorization and used to make payments toward a PayPal Credit account. I did not authorize these transactions, nor did I authorize the use of my bank account for these payments. I previously had a personal relationship with an individual who had access to my PayPal account. However, I did not authorize this person to use my PayPal Credit or initiate transactions from my bank account. Any such activity was done without my knowledge or consent. I reported the issue to my bank ( XXXX ), but they refused to reopen the claim and stated that the transactions were authorized, without providing sufficient evidence. I then contacted PayPal and was informed that the transactions were linked to PayPal Credit. However, I do not recognize these transactions and did not authorize the use of this credit account or the payments made toward it. I am requesting a full investigation into these unauthorized transactions, including details of how the transactions were authorized, what purchases were made, and what device or IP address was used. I am also requesting a full refund of the unauthorized withdrawals and that both institutions comply with their obligations under the Electronic Fund Transfer Act to properly investigate and resolve unauthorized transactions.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding an unresolved check fraud claim with Chase Bank involving check number XXXX in the amount of {$8200.00}. I reported this check as unauthorized and submitted all required documentation, including a signed declaration. Chase acknowledged receipt of my claim and confirmed that the case was reopened. However, the matter remains unresolved with no reimbursement, no provisional credit, and no clear timeline for resolution. Chase has informed me that the case is currently pending while they attempt to recover funds from the XXXX XXXX XXXX XXXX ( XXXX ). However, Chase has not provided : XXXX. A final liability determination regarding my claim XXXX. Whether any credit issued would be provisional or final XXXX. A clear and specific timeline for reimbursement XXXX. Transparency regarding actions taken to recover funds Despite multiple attempts to obtain this information, Chase has failed to provide clear answers. This lack of communication and continued delay is unreasonable and is causing ongoing financial harm and uncertainty. This is not a billing issue. This is a check fraud case involving an unauthorized or altered check. I respectfully request : XXXX. A final liability determination in my favor XXXX. Immediate reimbursement of the {$8200.00}, or at minimum provisional credit while recovery efforts continue XXXX. A clear written explanation of XXXX position if reimbursement is being delayed or denied Chase should not delay resolution indefinitely while waiting for recovery from another bank. I request prompt action to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint regarding the closure of multiple credit card accounts by Synchrony Bank. The accounts closed were : JCPenney credit card, XXXX XXXX XXXX Credit Card, Care Credit Credit Card, XXXX XXXX XXXX credit card, PayPal credit, PayPal XXXX card, XXXX XXXX credit card and XXXX XXXX credit card. All of my accounts were in good standing, with 100 % on-time payment history and XXXX balances at the time of closure. I have never missed a payment, and my accounts were managed responsibly at all times. Despite this, Synchrony Bank closed all of my accounts without providing a clear or sufficient explanation. This action has negatively impacted my credit profile by significantly reducing my available credit and increasing my credit utilization ratio, which has resulted in a drop in my credit score. I respectfully request : XXXX. A detailed explanation for the closure of my accounts XXXX. Consideration for reinstatement of the accounts or restoration of my credit lines XXXX. That Synchrony Bank ensure accurate reporting to all credit bureaus, reflecting that the accounts were closed in good standing I believe this situation is unfair given my excellent payment history and responsible use of credit. I appreciate your assistance in resolving 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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the accuracy and completeness of the payment history reported on the following account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Several late payments are being reported on this account. The reported payment history appears inaccurate or incomplete. Please conduct a reasonable investigation and verify the accuracy of each reported late payment, including the dates, status codes, and how the delinquency was determined. If the late payments can not be verified with complete and accurate records, they must be corrected or removed and the account updated to reflect accurate payment history. Please provide the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the accuracy and completeness of the payment history reported on the following account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Several late payments are being reported on this account. The reported payment history appears inaccurate or incomplete. Please conduct a reasonable investigation and verify the accuracy of each reported late payment, including the dates, status codes, and how the delinquency was determined. If the late payments can not be verified with complete and accurate records, they must be corrected or removed and the account updated to reflect accurate payment history. Please provide the results of your investigation.

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 non-monetary relief