vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
My student loan account serviced by XXXX was approved for forbearance covering the period from XX/XX/year> through XX/XX/year> due to financial hardship. Although this forbearance was later applied retroactively ( processed around XX/XX/year> ), it covers the time period in which my account was reported as delinquent, including XX/XX/year>. During this approved forbearance period, payments were not required. Therefore, reporting my account as delinquent for XX/XX/year> appears to be inaccurate, even if the forbearance was processed after the fact. This reporting has negatively impacted my credit. I am requesting a full review and correction of the delinquency reported during the forbearance period, and that all credit reporting agencies be updated accordingly.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 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: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, a merchant named XXXX XXXX XXXX XXXX withdrew {$390.00} from my business checking account without authorization. The merchant statement labels {$350.00} of this amount as an " ACCT. FEE. '' Upon reviewing my signed 4-page " Merchant Processing Application, '' specifically Page 2, Section 8 ( Term and Termination ), I found that while it mentions an " Early Termination Fee '' may apply, it fails to disclose or specify any dollar amount for such a fee. No {$350.00} fee is listed or authorized anywhere in the written agreement. I contacted the merchant owner to request a breakdown and proof of authorization for this specific amount, but the owner refused to provide any information and abruptly ended the call. I also filed a dispute with PNC Bank ( Reference # : XXXX ), but it was denied despite the lack of contractual disclosure. I am requesting a full refund of the unauthorized {$350.00} fee, as the withdrawal of an undisclosed amount violates banking regulations regarding unauthorized ACH transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: FL

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I started an installment plan for a watch from a vendor in XXXX. I started making payments and I noticed I had an offer from Cash App. If I spent {$500.00} on my Cash App debit card I would unlock a borrow money feature. On XX/XX/XXXX I made one of my payments using the Cash App debit card for {$500.00} so I would be able to use the feature. On XX/XX/XXXX the vendor contacted me and canceled my order for his own personal reasons. He informed me he was having issues with his payment merchant account and told me I'd have to file a chargeback with the bank to get my money back. On XX/XX/XXXX I filed a chargeback dispute with Cash App and submitted the order cancellation email and gave a brief description of the situation. On XX/XX/XXXX, I got an email from XXXX with Cash App Disputes and she confirmed I haven't gotten the refund from the merchant yet and stated, " A refund from a merchant can generally take XXXX business days to process. The funds instantly post to your balance when we receive the refund. If the credit does not post to your balance after 15 days from when the merchant issues the refund, please contact Support. '' So I waited the 15 days because there was a refund pending but it didn't finalize because the merchant 's account didn't have the funds available to process the refund. I then noticed my claim was closed. I started the claim again and spoke with another Cash App representative. I was informed again the merchant has 14 days to process a refund. I told the representative it's been pass 14 days and I haven't received the refund. So the rep opened the claim again. On XX/XX/XXXX I received an email from Cash App claiming my claim has been denied because " no error has occurred ''. I called Cash App several times requesting my claim be reopened because I was supposed to receive a refund and I didn't get it. The reps refused to reopen my claim and stated they're not able to move forward with my claim. This is after I submitted the cancellation email to Cash App and a rep agreed I didn't receive the refund. One rep even said try and get the merchant to attempt a refund and I explained to her he already has attempted that but it didn't finalize because he didn't have to funds available and they can check themselves in my transaction history and see the failed refund. Let alone on XX/XX/XXXX, Cash App sent me an email stating the refund has failed. With all this information I don't understand how my dispute was significantly mishandled, denied, and refuse to be reinvestigated. Now it's going on a month and I'm out {$500.00} because of Cash App 's neglectful actions towards me. They're in breech of the consumer contract agreements they made with the federal government on how they will handle these situations. I'll be submitting emails from the merchants end proving the order was canceled and he attempted a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have submitted previous complaint case # is XXXX submitted XX/XX/year> I called today and they informed me once again that they will NOT allow me access to my account for ( their security ) reasons. They will call me. Read the bill but will not allow me to see my statement nor XXXX because there was fraud. However, it seems the person, XXXX me they question seems to not stop them from calling me. Makes no sense that they consider me a fraud but want me to pay over the phone. I sent them ALL the documentation requested. First they accepted SS # and drivers license, but not utility bill. Now they say none are acceptable. Then they proceeded to send me to collections and gave me a negative credit report. I am at a loss. If they think Im a fraud, why continue to call me to harass me. I receive emails to logon to my acct but when I try, I am ALWAYS DENIED access I can not in good judgment pay a company that will not allow me to access my account. There are fraudulent charges they claim and that is their reason for blocking me. Talked to a manager today who told me I COULD NOT see my account, but instead wanted to read those charges and have me pay over the phone. I declined and will continue to do so until I can access my account

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer of {$20000.00} USD from XXXX XXXX XXXX XXXX account to my XXXX Bank account in XXXX using XXXX 's international money transfer service. After nearly XXXX weeks with no funds received and no communication from XXXX, I called to inquire. I was told that a third-party partner was conducting an investigation and that they needed my XXXX XXXX XXXXXXXX bank statement . I was never notified of this hold I only learned about it because I called. I provided the requested documents promptly. After receiving no update, I called again and was told they were still waiting on a response from their third-party partner, with no timeline or explanation. I then requested that XXXX return my {$20000.00} to my original XXXX XXXX XXXX account. They agreed to begin processing the return. However, I received no confirmation email. When I called again, I was asked to provide bank statements from my Moroccan bank account a new request not previously mentioned. During this call, the representative was yawning audibly, showing a lack of concern for my situation. I subsequently received an email stating they were sorry for the experience and would follow up within 30 days. As of today, I have not received my {$20000.00}, nor has it been returned to my XXXX XXXX XXXX account. This amount represents my entire annual savings and was intended to pay an urgent debt in XXXX. The extended, unexplained hold combined with repeated document requests disclosed only when I initiate contact has caused significant financial harm and emotional distress, including sleep disruption. I am requesting the immediate release or return of my {$20000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: OH

Complaint narrative:
XXXXFormal Complaint: MOHELA Servicing Errors & Incorrect Credit ReportingXXXXXXXXI am escalating an unresolved issue involving MOHELAs failure to process my payments, inaccurate delinquency/default reporting, and repeated misinformation during my attempts to correct my account.XXXXXXXXSince repayment resumed, I made multiple payments that MOHELA confirmed but never withdrew or applied. XXXXThese include:XXXX XXXX Confirmation XXXX XXXX XXXX Confirmation XXXX XXXX XXXX Confirmation XXXX XXXX XXXX Confirmation XXXX XXXXThese failures were caused by MOHELAs EDI processing issues, which did not flag or report any errors during the transactions, leaving me unaware that payments were not being processedXXXXI have spent over 10 hours on the phone with MOHELA (2.5 hours on XXXX. In early and late March, both supervisors told me they were working on bringing the loans back". During the late March call, we reviewed my bank account and routing numbers together to confirm that all information was correct. I was then transferred to the credit team, who said nothing could be corrected until my loans were in good standing.XXXX XXXX, I called to get a status update because my loans are now in good standing. However, Loans 1 and 5 have still not been returned from XXXX Debt Resolution, because the review team has not made a decision on bringing them back to MOHELA. This Debt Resolution action occurred on XXXX, yet I was never informed of it during any of my prior supervisor level callsXXXXMy loans are marked current, but these two loans remain stuck in review, and my credit score has been damaged due to MOHELAs servicing failures.XXXXI am requesting:XXXX A full review of all attempted payments and confirmation numbersXXXX An explanation for MOHELAs payment processing and EDI failures that never were flagged on their side to notify the customer (me).XXXX Removal of all negative credit reporting caused by these errorsXXXX A clear update on Loans 1 and 5, including where they are at in the process and why no decision has been made since XXXX A pause on any further negative reporting while this is resolved (this should be resolved since I\'m now caught up)XXXXThe harm to my account and credit is the direct result of MOHELAs system failures and delaysXXXXThanks,XXXX XXXX'

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against GoodLeap regarding a solar system I financed approximately XXXX XXXX ago. The solar system is currently non-functional and has been for an extended period of time. I contacted the manufacturer, XXXX, and was informed that the inverter is under warranty and will be replaced. However, they stated that I must locate and pay an installer to complete the replacement. The original installation company is unresponsive, and I do not have a contract or any means of obtaining service from them. As a result, I am left with a non-working system and no servicing support. I have made multiple attempts to work with GoodLeap to resolve this issue and requested a clear resolution, including assistance with repair or a temporary payment pause while the system remains non-operational. However, I have not received a resolution or consistent communication regarding my case. I am still being required to make payments on this loan despite the system not functioning and no available pathway to restore it without additional out-of-pocket costs, which I can not afford. I did not agree to finance non-operational equipment. I agreed to finance a working solar energy system. At this time, the system does not provide any benefit, and I have been left without support from the installer or a resolution from the lender. I am requesting the following : Immediate investigation of this matter A resolution plan to address the non-functional system Consideration of a temporary payment pause while this issue is unresolved Protection from any negative credit reporting during this time A fair adjustment or cancellation of the loan due to the system being non-operational If this matter is not resolved, I will continue to pursue all available consumer protection remedies, including claims under the FTC Holder Rule for a non-performing financed product. This situation has caused significant financial stress, and I am requesting urgent assistance.I requested a resolution for my non-functional solar system, including assistance with repair, a plan if the installer does not respond, and a temporary payment pause or account protection while the system remains non-operational.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NV

Complaint narrative:
There was a purchase made on my Synchrony credit card that I didnt authorize in mid XX/XX/XXXX. I called and reported it as soon as I saw it. It has now been XXXX months and still not resolved. The vendor gave a partial refund of the full balance stating that even though its fraud they can only refund a portion. Synchrony posted the refund for {$700.00} and then disputed the whole balance of {$1500.00} which was denied stating I received items even though come to find out they were electronic tickets of some kind. The refund has not been posted back to my account to the date XX/XX/XXXX and I am told the are not going to because they cant just give refunds. I have provided the refund receipt from the vendor and date and account it was on. They can see the refund was washed but said the dispute department has to decide if I get it back or not even though it was posted originally. I have given them the police report for identify theft, the fbi filing number, the vendor receipt for the refund as well as the chat with the vendor, the account fraud name used for the purchase and have called them over XXXX times to get this resolved and still have not. The original card was ending in XXXX. My current card or account number is ending in XXXX. After speaking with somebody that looked at my account in full she said that the refund was nowhere on any of the cards and it wasnt in the synchrony files, she said she found the PDF for my refund in XXXX XXXX XXXX files and it was on a card after my XXXX card was canceled. I have spoken to the dispute department, the XXXX department and the billing department all of which told me each department cant fix the refund and then I have to dispute it again for the bank to decide if I get the refund back and then I can dispute the rest of the fraudulent charge however, each time they do, they deny it and tell me I receive the items in person.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a medical debt being reported and/or collected by Credit Management Company that I believe is not mine. I became aware of this account on or around XX/XX/year> when reviewing my credit report. I did not receive proper written notice of this debt, and I do not recognize or recall agreeing to this obligation. I have requested verification of this debt, but the company has failed to provide sufficient documentation to prove that I am legally responsible. Specifically, they have not provided : The original creditor information A full account history Signed documentation or agreement linking me to this debt Despite the lack of verification, this account continues to be reported and/or collected, which is negatively impacting my credit and financial standing. Additionally, multiple accounts appear to be reported for this same alleged debt, including what appears to be a duplicate account. This raises serious concerns about the accuracy and validity of the reporting. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Credit Management Company provide proper validation of this debt. If they are unable to do so, I am requesting that this account be immediately removed from all credit reporting agencies. Additionally, I request that all collection activity cease until proper validation is provided. I am seeking a full investigation into this matter and a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am filing a complaint against my bank ( BANK OF AMERICA ) for freezing my account due to suspected fraud, even though I have not engaged in any fraudulent activity. My account was frozen on XX/XX/XXXX, and I have been unable to access my money since then. I have contacted the bank multiple times and have cooperated fully, offering to verify my identity and confirm all transactions as legitimate. However, the bank has not provided a clear explanation for the freeze or a reasonable timeline for resolution. As a result of not being able to access my funds, I have incurred late fees on essential bills, causing financial hardship. I am requesting that the bank : Immediately review and remove the freeze on my account Provide a clear explanation of what triggered this action Reimburse me for any late fees and financial damages caused by this situation I am willing to provide any documentation needed to resolve this matter promptly.

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 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
In XXXX of XXXX I signed a contract for an online web development course named XXXX. They had a very strict refund policy as well as poor communication with anybody in the company. Most of their communication was managed through messaging service Discord and almost anytime I had tried reaching out I got no response. I never used any of the courses provided in XXXX online portal. A month after I signed this contract I went to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX and was shipped out XX/XX/XXXX to boot camp. While I was in boot camp my credit company for XXXX, XXXX XXXX, had sold my debt to who I believe is Central Portfolio Control. After boot camp I saved money in my school house to pay off the debt if I needed to. The issue is I never got any service from XXXX that I paid for. XXXX discontinued in XXXX of XXXX and I have no way of learning any of their courses. I was told that if I paid any of this debt that it would be admission to my use of the product. So I left things as they were and focused on my education for the military. I think it was around 5 months ago they dinged my credit massively. I dropped from an almost XXXX XXXX XXXX to it being now XXXX. Central Portfolio Control would call me every now and then to get me to pay my debt. I emailed them XX/XX/XXXX about a complaint with XXXX and the whole issue I was having. After I had emailed them they stopped communicating completely and did not respond. I believe this situation is a valid example of fraud.

Company response to consumer: Closed with explanation