vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I opened an American Express XXXX XXXX XXXX account on XX/XX/year>. The promotional offer stated that if I deposited {$25000.00} within 30 days of account opening, I would receive a {$400.00} welcome bonus. On XX/XX/year> ( Day XXXX ), I completed the required transfer of {$25000.00}. My official American Express transaction history on the platform clearly shows that the deposit was successfully " Posted '' on XX/XX/year>, which is fully within the required XXXX timeframe. Furthermore, I maintained the entire {$25000.00} balance in the account for over 60 days as required, and have kept it there up until this very day. I have waited for several months and still have not received the bonus. When I contacted Amex customer service to dispute this, they denied my claim and refused to pay the bonus, citing internal system processing dates that directly contradict the official " Posted '' date displayed to me on their own platform. Furthermore, as a consumer, I can only rely on the information explicitly displayed on the bank 's official mobile application. It is completely unfair and unreasonable for the bank to expect consumers to be aware of invisible internal backend processing dates that directly contradict what the official app states as " Posted. '' The public-facing app is the only source of truth available to customers, and the bank must honor the dates shown on their own platform. Additionally, it has been nearly XXXX months since I completed the {$25000.00} deposit. Since then, I have continuously deposited more funds into this account and have not withdrawn a single dollar. I request that this be taken into consideration, as it demonstrates my commitment as a loyal customer. This welcome offer is a once-in-a-lifetime opportunity for new accounts. By unfairly denying my claim, the bank is permanently depriving me of the chance to ever receive a new account offer for an Amex XXXX again. As someone who genuinely liked and trusted the Amex brand, I am deeply disappointed by this experience. I am requesting a manual review of my transaction history and for the {$400.00} welcome bonus to be credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XX/XX/year> I received paperwork of the debt and I was willing to pay it and I did make some payment but they have a 10 % interest on the debt and it's no way it will get paid off when everytime you make a payment it's growing interest the amount is {$1500.00} and I have my receipts of the payments I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XXXX is not allowing me to access my bitcoin. I used it as an active investment of my own personal spending money. I have not been able to access that account for a week. I called and was told my tax information was confirmed and verified and that it was an issue with the system. This is inexcusable because I drove up to XXXX XXXX XXXX XXXX to take care of business, and was met again, 7 days later from my initial complaint with the company, with the inability to XXXX my assets. Which has now depreciated 10 %. I will be following up with the XXXX XXXX as well because this is the most unamerican thing Ive seen happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Accounts at XXXX Ending in XXXX and XXXX accounts are not mine/To Whom It May Concern : I am responding to the notice stating that Discover requires authorization due to an alleged unauthorized third party associated with my complaint. At this point, I am extremely frustrated by the repeated delays and obstacles being placed in front of what should be a straightforward investigation. I have disputed this account multiple times and have consistently maintained that this account does not belong to me. Rather than conducting a thorough investigation and providing competent evidence of liability, Discover continues to give me the runaround and create additional procedural barriers. If XXXX requires authorization, I am willing to provide whatever authorization is reasonably necessary to investigate this matter. However, I request that Discover immediately proceed with a good-faith investigation and provide the following : A complete copy of the original application used to open the account. Any signed contracts or wet-ink signatures allegedly attributable to me. All documents relied upon to verify ownership of the account. Copies of any identification, IP logs, device information, or other records used to connect me to this account. A detailed explanation of the investigation conducted in response to my previous disputes. Simply associating an address, phone number, or personal information with an account is not sufficient proof that I opened or authorized the account. I continue to dispute responsibility for this alleged debt and request that Discover provide competent evidence supporting its claims. I respectfully request that this matter be resolved promptly and without further delay. Continued failure to conduct a reasonable investigation may constitute noncompliance with the Fair Credit Reporting Act and other applicable consumer protection laws. I expect a substantive response and supporting documentation rather than further delays. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: NY

Complaint narrative:
My PayPal account ( registered to XXXX ) has been limited/locked, blocking my access to a balance of approximately {$500.00}. I have made repeated good-faith attempts to resolve this directly with PayPal and have been unable to get any clear explanation or resolution. PayPal has not given me a specific reason for the limitation. When I contacted support by phone, the calls were disconnected before resolution. When I used the chat support, I received contradictory and non-responsive messages. In XXXX chat, an agent stated only that " the limitation has been escalated to the back office team '' and told me to wait until XX/XX/XXXX for an update, with no case detail or explanation. Moments later, the same chat was terminated automatically with a message that I had not replied within XXXX minutes, ending the session before my issue was addressed. I have screenshots of these support interactions and can provide them. The result is that PayPal is holding my funds without explanation, without a functioning path to resolution, and without meeting any reasonable standard for investigating or correcting the issue. To resolve this, I am requesting that PayPal : ( XXXX ) provide a clear, specific written explanation for the account limitation ; ( XXXX ) restore my access to my account or release the full {$500.00} balance to my linked bank account ; and ( XXXX ) provide a timeline and a working point of contact rather than circular automated support. PayPal case ID ( if any ) : not provided by PayPal Account email : XXXX Approximate balance held : {$500.00} Date issue began : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a written Cease and Desist letter via XXXX XXXX Mail to TrueAccord Corp at their XXXX, KS address ( Tracking # : XXXX ). The letter demanded that they stop all communication with me under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I also stated that I never consented to email communications and demanded no further emails. On XX/XX/year> at XXXX XXXX, XXXX tracking confirms that TrueAccord received and signed for my certified letter. The tracking shows " Delivered, Left with Individual '' at their XXXX office. Despite having received my cease and desist notice, TrueAccord sent me a collection email on XX/XX/year> at XXXX XXXX more than two hours after delivery of my letter. The email ( attached ) asked me to " check out your options '' and sign up for a payment plan. This email was not a notice that they are ceasing collection, nor was it a notice of a lawsuit the only two exceptions permitted by law under 15 U.S.C. 1692c ( c ). This is a clear violation of the FDCPA. I request that the CFPB investigate TrueAccord Corp and require them to cease all communication immediately and provide proof of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I moved out of an apartment with no money owed due to a XXXX XXXXXXXX incident and at a later date I started getting calls from a debt collector stating that I owed {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX Jefferson Capital System RE : Cease Communication Request To Whom It May Concern : I am writing regarding an account which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this alleged debt except as permitted by law. Specifically, I request that you stop contacting me by telephone, text message, email, social media, or mail, except to notify me that : 1. Further collection efforts are being terminated ; or 2. You intend to invoke a specific legal remedy permitted by law. This letter is not an acknowledgment of liability for the alleged debt, nor is it a promise to pay. I expressly reserve all rights and defenses available to me. Please confirm in writing that you have received and will comply with this request. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I paid off my auto loan on XX/XX/year>. TD Auto Finance mailed the title to an old address. XXXX XXXX, XXXX requires TD Auto Finance to sign and notarize a Duplicate Title Application to release the lien. I provided this form on XX/XX/year>. As of XX/XX/year>, they claim to have " just received the form '' and are asking for me to wait another 3-4 weeks for processing. This is a refusal to properly release the title, preventing me from legally registering my vehicle in California. I need them to immediately sign, notarize, and overnight the XXXX XXXX Form XXXX to my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I submitted a formal dispute regarding these accounts. The information reported is entirely inaccurate and. I also requested validation of this debt but have not received proper documentation. The company continues to report the account, violating my rights under the Fair Credit Reporting Act ( FCRA ) and is negatively affecting my credit. This has to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I received an email from Collection agency on XXXX XXXX. I reached out to collection agency regarding the charges on email, Columbia debt recovery LLC DBA Genesis & XXXX XXXX XXXX XXXX XXXX. neither one has validated the debt the amount or cause. I have requested several times information from the XXXX XXXX XXXX XXXX XXXX and yet to hear back from them as of today XX/XX/year>. I am requesting this debt to be removed from My credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
I am the occupant of a property secured by an FHA mortgage currently in foreclosure. I hold a notarized Letter of Consent dated XX/XX/XXXX in which the borrower of record expressly acknowledged me as the equal owner of the property, promised to place me on the deed by XX/XX/XXXX, acknowledged my financial contributions including a {$5000.00} overbid payment and a {$5800.00} home repair loan, and agreed to pay me {$16000.00} in restitution if he failed to honor the deed promise. He failed to honor all of these commitments. I also hold a Final Restraining Order granting me exclusive possession of this property. The following violations occurred : XXXX. On XX/XX/XXXX I transmitted my Final Restraining Order granting exclusive possession to the mortgage servicer. On that exact same date the servicer issued a reinstatement agreement exclusively to the removed borrower while completely ignoring me the court-recognized exclusive possessor. XXXX. On XX/XX/XXXX I provided the servicer with a XXXX Court order directing them to communicate directly with me regarding an FHA loan assumption. The servicer provided no response. XXXX. The servicer made absolutely no contact with me from XX/XX/XXXX through XX/XX/XXXX XXXX days while the reinstatement deadline of {$30000.00} actively ran. XXXX. On XX/XX/XXXX the same day the reinstatement deadline expired at XXXX XXXX the servicer contacted me for the first and only time and provided the reinstatement letter via email. They transmitted this letter with full knowledge that the deadline expired that same day making it impossible for me to arrange certified funds by XXXX XXXX This was a deliberate act designed to prevent me from curing the default. XXXX. The servicer has refused to process my FHA loan assumption application despite a court order compelling them to do so. This is an FHA insured loan which is assumable under federal law. I am ready willing and financially able to assume this loan and bring it fully current. XXXX. The servicers deliberate sixteen-day silence followed by same-day expiration notification constitutes a RESPA violation, bad faith mortgage servicing, and deliberate obstruction of my legal right to cure the default. I am requesting the CFPB order the servicer to provide a new reinstatement quote with a reasonable deadline, immediately process my FHA loan assumption application, and comply with the existing court order directing communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Acrisure Mortgage Partners, LLC
State: AL

Complaint narrative:
I have a XXXX backed mortgage and I qualify for the XXXX deferral option. My original payment was {$1800.00}. Instead of reviewing me for the XXXX deferral that keeps my payment the same, my servicer is trying to force me into a modification that raises my monthly payment. I have asked multiple times to be reviewed for the correct XXXX option, and they refuse to offer it or acknowledge it. I am behind on payments, but there is no foreclosure sale date. I am trying to resolve this before it becomes worse, but the company is not following XXXX guidelines. They are only offering higherpayment modifications that I can not afford, even though the XXXX deferral is available to me and is supposed to prevent my payment from increasing. I am requesting that the CFPB require the servicer to properly review me for the XXXX deferral option and stop pushing modifications that increase my payment when I qualify for a program that keeps it the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: CA

Complaint narrative:
I am disputing the fraudulent JEFFERSON CAPITAL SYSTEMS collection account associated with an alleged XXXX account in the amount of {$410.00}. I am a victim of identity theft and did not open, authorize, or benefit from this account. I have no knowledge of this debt and never provided permission for anyone to obtain services in my name. Despite disputes, this inaccurate account continues to be reported. Pursuant to FCRA 605B and 611, I demand the immediate blocking and deletion of this fraudulent tradeline from all consumer reporting agencies. I also request copies of all application records, contracts, signatures, payment records, and documentation used to validate this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to Rocket Mortgage in XX/XX/year>. Immediately after creating and accessing my Rocket Mortgage online account, I discovered that a second mortgage loan belonging to unrelated borrowers had been attached to my profile. The property is not mine, and I have never had any association with the borrowers or the property. Through my Rocket Mortgage login, I can access another customer 's mortgage account information, including borrower names, property address, loan number, interest rate, loan balances, escrow balances, payment history, mortgage statements, escrow statements, tax-related documents, and other account records. I reported this issue immediately after discovering it in XX/XX/year> and have continued reporting it through numerous phone calls, online chats, and escalations. I have spent many hours attempting to resolve the issue. Representatives repeatedly instructed me to reset credentials, create new logins, and perform troubleshooting steps. None of those actions corrected the problem. Approximately two months ago, I was escalated to a representative named XXXX, who assured me the issue would be resolved. As of XX/XX/year>, the unauthorized mortgage account remains attached to my profile and fully accessible. I have also repeatedly requested written updates and explanations regarding this issue but have never received a written response, investigation summary, or confirmation of corrective action. I am concerned that if I can access another borrower 's mortgage account and documents, another borrower may currently have access to my mortgage information.

Company response to consumer: Closed with explanation