vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding excessive and inadequately disclosed service fees charged by Fifth Third Bank. I visited a local branch to request archived statements for two joint savings accounts covering portions of XXXX and XXXX. The documents were needed for a Final Report associated with a New York guardianship court matter. During the branch visit, the manager mentioned there would be a {$15.00} fee per however the explanation was unclear, difficult to hear, and no total amount was disclosed verbally or in writing. I never knowingly authorized charges totaling approximately {$760.00}. After the statements were eventually produced, Fifth Third Bank deducted approximately {$760.00} directly from my savings account. I have since contacted both branch employees and customer service seeking escalation and resolution. I was only offered a minimal {$50.00} credit and was effectively told that higher management would deny any further reimbursement request. My complaint is based on : * inadequate fee disclosure, * lack of informed authorization, * excessive service fees, * and unfair handling of the dispute. A reasonable consumer would not expect historical bank statements to result in nearly {$800.00} in fees without explicit advance disclosure of the total amount. I am requesting reimbursement or substantial reduction of the disputed fees and review of the banks disclosure and authorization practices regarding archival statement retrieval charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: OH

Complaint narrative:
Unifin has contacted me after XXXX XXXX for XXXX Credit Card. I have tried to oay this debt I have tried to settle this debt through XXXX before they sent to XXXX then I tried with XXXX XXXX I have put this money in the bank twice and tried to pay on my debit card a couple weeks ago and they declined was XXXX and would not except money by debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
Like so many others I went through a difficult patch so was using credit cards to cover the spread. Over the last several months I have consistently brought the credit card balances down. This FNBO card previously had a limit of {$18000.00} which was very valuable. My goal over these past few months has been to get credit card usage under 30 %. I got there with FNBO only to have then cut the credit limit to {$4500.00} making my credit usage on the FNBO card close to 100 %. In so doing they are intentionally damaging my credit score which is entirely unfair.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MT

Complaint narrative:
On XX/XX/year>, I successfully opened a Checking and a XXXX account with U.S. Bank after passing their comprehensive identity verification process via phone. However, on XX/XX/year>, just XXXX days later, I suddenly discovered that all outbound transfer capabilities on my accounts were restricted. Upon contacting U.S. Bank 's customer service, I was abruptly informed that the bank had decided to close my accounts due to " internal risk internal policies, '' without providing any specific explanation, prior warning, or an opportunity to dispute or clarify. As a consumer, I have acted in complete good faith, provided all requested documentation, and cleared the bank 's KYC ( Know Your Customer ) procedures. This sudden, non-transparent closure has caused me significant financial distress, as my funds are now frozen, and it unfairly jeopardizes my banking reputation with consumer reporting agencies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, despite no wrongdoing on my part.

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
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I had a debt the closed the debt and sold it to a third party debt collector without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year> I was to be refunded {$1000.00}. Cashapp said the money was returned to my bank. I have provided a letter from my bank ( also attached ) stated the funds were never received. Cashapp refuses to speak with my bank nor provide proof that the refund was initiated. All they say is that it was sent and check with my bank disregarding the letter and my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX, I initiated a balance transfer of {$6000.00} from an existing credit card ( XXXX XXXX XXXX XXXX to a new credit card account ( Barclays Jetblue Mastercard ), as part of a promotional offer ( 0 % APR until XX/XX/XXXX, 2.99 % APR until XX/XX/XXXX, with a 5 % transfer fee ). The transfer fee was charged to my new account, and the {$6000.00} balance appeared on my new card however, the funds were never applied to pay off my original credit card. The {$6000.00} balance remains on my original card, where I have continued to be charged interest at approximately 24 % APR for the past 3 months ( since XX/XX/XXXX ). When I contacted the new card company to report the error, they claimed I had entered an incorrect account number for the original card, but have provided no documentation or evidence to support this claim. I specifically requested this information that they said they couldn't provide it. I am confident the account number was entered correctly. As a result, I now carry a {$6000.00} balance on both the new card and the original card simultaneously for the same debt. While the new card is currently within its promotional period and not accruing interest, the {$6000.00} on my original card has been accruing interest at approximately 24 % APR since XX/XX/XXXX a debt that should have been paid off by the transfer. I have been disputing this since approximately XX/XX/XXXX with no resolution. The company has now told me their investigation could take an additional 90 days.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB
State: AL

Complaint narrative:
I am filing a formal complaint against Klarna for deceptive customer service practices, violations of the Electronic Fund Transfer Act ( EFTA ), and attempting to collect an unverified debt. Klarna has already taken XXXX unauthorized payments from my account for a disputed XXXX order ( Ref : XXXX ). Now, they have sent a remaining balance of {$74.00} to a third-party collection agency, XXXX, for this same phantom order. Klarna has committed several violations of fair lending and debt collection standards : XXXX. Unauthorized Debits & Refusal to Validate Debt : Klarna drafted XXXX unauthorized payments for goods I never received. I have repeatedly asked Klarna to provide a signed receipt, GPS coordinates, or any standard Proof of Delivery. Klarna has completely failed to produce this evidence. Instead, agents improperly instructed me to " contact XXXX directly, '' shifting their legal burden of proof onto me. XXXX. Deceptive Practices & Misapplied Funds : Klarna 's system shows a massive misapplication of funds. A Klarna supervisor admitted in writing that XXXX issued a refund of {$200.00}, but Klarna 's automated system absorbed this into a general balance rather than clearing the specific disputed debt. XXXX. Misleading Communications : I have chat transcripts proving Klarna agents explicitly told me the dispute was " paused '' and under investigation, while simultaneously and quietly closing the dispute and selling the account to XXXX. I am on a fixed XXXX income and this unverified collection and unauthorized drafting is actively damaging my credit and livelihood. Desired Resolution : Klarna must immediately recall this debt from XXXX, remove any negative reporting from my credit profile, zero out the remaining {$74.00} balance, and refund the XXXX unauthorized payments previously drafted, as they are unable to provide Proof of Delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
As XXXX for my mother, I need a bank account in her name, not just the trust to conduct transactions between other accounts in her name only and via digital transfers through XXXX to pay caregivers. I can not accomplish this with the XXXX account, which is now in my name as Trustee. XXXX had forbidden me access to her XXXX checking account although I am both DPOA and Trustee. I therefore opened an individual bank account in her name WITH the guidance of Schwab Bank ; however, I was then told I could not access it, and they could not allow the account in her name only because she could have access to it ( shes been declared incompetent after strokes and they have this letter, so the explanation is illogical ) ; Schwab also has all the paperwork for XXXX and Trustee ( finally got that account opened after a month! ). They gave me access to her individual XXXX account but not checking. What?? Opening a bank account in her name is my legal right as XXXX and a necessity to continue and properly care for my mother and her needs. I have attached the specific part of the notarized XXXX document, which gives me this right. Every time I call XXXX, I get conflicting information. It feels as if no one knows what the laws or my rights are or whats going on. Theyre either confused or tell me incorrect information. They seem to be extremely disorganized. Dealing with suddenly having to take over someone elses finances is stressful enough ( not to mention the emotional toll of being a caregiver in general ), and Schwab has made it only more stressful due to all the incompetence I have experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Goldman Sachs has systematically denied XXXX consecutive billing disputes regarding a transaction with XXXX on XX/XX/year> for {$360.00}. Frontline dispute representatives are failing to review explicit evidence of merchant fraud, resulting in a violation of my consumer rights under the Fair Credit Billing Act ( FCBA ). The item received was defective, making this a valid " Goods Not As Described '' claim. I attempted to return the item legally. The merchant refused a compliant return process and explicitly demanded that I participate in international customs fraud by falsifying federal documents. Ordering me to declare a $ XXXX item as worth only {$20.00} to XXXX XXXX XXXX I refuse to participate in customs fraud and smuggling under 18 U.S.C. 545. I instructed the merchant that they must provide a shipping pathway and cover the costs since the goods arrived broken. The merchant refused. Goldman Sachs can not legally enforce a financial contract or force a consumer to pay for defective merchandise because the consumer refused to violate federal law. I am requesting an immediate regulatory override to reverse this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: MD

Complaint narrative:
I requested that the mortgage servicer continue processing the XXXX XXXX request for the estate property without requiring me to complete a loan assumption package. I explained that I am acting solely in my capacity as XXXX Representative of the deceased borrowers estate and am not seeking to personally assume the mortgage loan. Despite this, the servicer has continued requesting assumption-related documentation and has not clearly explained why this is required for a short sale review. As a result, the short sale process appears to be delayed while the property remains in active foreclosure. I requested clarification regarding the servicing requirements and asked that the short sale review proceed without conditioning the process on a personal loan assumption.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am disputing the reporting of several paid accounts that continue to show negative remarks, including payment after charge off/collection and 60 days past due. These accounts have been paid in full and resolved. I contacted the creditors and customer service representatives and was informed that the negative reporting would be removed or corrected. Despite fulfilling my obligations and resolving the balances, the derogatory information remains on my credit report. I request that these negative remarks be removed and the accounts be updated to accurately reflect their paid and resolved status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
My mortgage company, Amerihomehas been taking out funds and putting them into an escrow account for my property taxes to be paid each year. They were due XXXX of XXXX, and still have yet to be paid on XX/XX/XXXX. I have been notified multiple times by the XXXX XXXX XXXX Department about the delinquent property taxes. I also have reached out to the mortgage company countless times with no resolution. Each time I am told that they are waiting for a response from someone and to call back at a later time. I just received the last notice from the XXXX department saying that my house will be put on auction if this is not paid by XX/XX/XXXX. I called my mortgage company and asked if they will reimburse me for the penalties and interest that have been added if I come out of pocket to pay these to prevent my home being put on action and they said they will not reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: CO

Complaint narrative:
XX/XX/year> at XXXXXXXX XXXX XXXX {$860.00} was taken from my XXXX balance under the transaction ID XXXX. It was unrecognized, unknown, and unauthorized. I immediately called XXXX support and they saw XXXX unknown accounts connected to my XXXX profile. By XXXX the same day I froze my card linked to my XXXX, ordered a new XXXX card, changed my password, and the XXXX support lady said she removed the other unknown accounts. I put a dispute claim in to try and get my money refunded, it was denied. Multiple times. XXXX to be exact. The reason they said it was denied was that I was the only person to have access to my account information to see how much was in my balance to spend. Which completely contradicts what happened on XX/XX/year> when they said there was XXXX other unknown accounts connected to my profile. So it sounds like they resolved the issue that made the fraudulent purchase happen, but in doing so completely removed my ability to receive a refund because, I was the only XXXX able to make the transaction, which isnt true when there WAS other people connected to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am pursuing Public Service Loan Forgiveness ( PSLF ) and believe XXXX/XXXX XXXX XXXX improperly handled my repayment plan requests and PSLF qualifying payment counts during the SAVE repayment plan litigation period. I first entered my qualifying employment XX/XX/XXXX, and have remained with this employer since. When borrowers in the SAVE repayment plan were placed into administrative forbearance, I contacted both XXXX XXXX XXXX and XXXX because I was concerned that time spent in that status would not count toward PSLF. I was advised by both XXXX and XXXX XXXX XXXX to apply for a different repayment plan so I could continue making progress toward PSLF forgiveness. On XX/XX/XXXX, I submitted a repayment plan change request. I was placed into forbearance while the request was pending. Months passed with no meaningful action or processing of my application. Because my request remained unresolved, I submitted additional repayment plan requests on XX/XX/XXXX and XX/XX/XXXX. My repayment plan request was not approved until XX/XX/XXXX, nearly XXXX full year after my initial application. I have disputed my XXXX qualifying payment count because XXXX XXXX XXXX is not recognizing this period as eligible processing forbearance. However, I repeatedly attempted to leave the SAVE-related status and enter a qualifying repayment plan, and the extended delay was caused by servicing and processing failures outside of my control. I believe XXXX XXXX XXXX improperly handled or coded my account during this time, resulting in the loss of PSLF qualifying credit despite my repeated efforts to comply with program requirements and follow servicer instructions. I am requesting : * a full review of my account and forbearance history from XX/XX/XXXX through XX/XX/XXXX; * clarification regarding how each month during this period was classified ; * correction of any inaccurate PSLF qualifying payment counts ; and * appropriate XXXX credit for months affected by prolonged repayment plan processing delays. I have documentation showing my repeated repayment plan applications and communications regarding this issue.

Company response to consumer: Untimely response