vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
I was sent information from balance credit to take out a personal loan. I decided that this sounded good to pay down some of my credit cards with a short term installment loan. However after taking out a loan for {$800.00}, I realized a few days later that this loan extended to 18 month with a high interest rate of XXXX percent. I was upset that this loan was going to total {$2800.00}, after paying every month at this rate. The payments are {$160.00} a month, for 18 months. I called to ask about a more fair rate but they insist on this percentage each month. I can not afford to pay that much interest. I reside XXXX  and I know that there are interest rate limits on loans. I would like to at least get my loan rates lower. This seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: NY

Complaint narrative:
I took out XXXX payment plans but then I returned XXXX of orders completely and got also {$69.00} core charges off the other XXXX that I kept but instead of canceling my financing through this company they took that money and put it in my wallet for the company and continue to charge me the finance charge and the payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am disputing a student loan that unexpectedly appeared on my account. On XX/XX/XXXX, I received my first and only notification from the servicer, Nelnet, via emailthere were no prior letters or phone calls. Nelnet claims I owe more than {$3000.00} on a loan that was consolidated and paid in full in XX/XX/XXXX. I have provided documentation and email confirmation from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX showing that this loan was fully paid and resolved at that time. 

Despite this proof, Nelnet added the alleged balance to my XXXX XXXX XXXX account in XX/XX/XXXX. Prior to that date, all of my federal student loans showed a {$0.00} balance. I have formally requested a thorough investigation, as this debt appears to be added in error and without proper notice. Nelnet has now threatened to report this account as XXXX days past due and delinquent to the consumer reporting agencies. This matter requires immediate correction, as the debt is not valid and has already been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Opened checking business account on XX/XX/XXXX, which was maintain {$2000.00} in deposits from day XXXX until day XXXX. Day XXXX was XX/XX/XXXX and they will not pay out bonus ( {$300.00} ) because my account had more deposits ( {$10000.00} ) but that is not the offer I was trying to obtain. 

Made XXXX qualifying transactions and maintained $ XXXX balance from day XXXX to day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Ive asked for a letter of deletion and have not received one and a goodwill letter alongside this. I also received a debt collection for a medical bill under XXXX but they billed my insurance wrong and also showed up on my credit, but I believe this is gone and is only showing the XXXX  payment not paid. The company is XXXX in XXXX XXXX  and number is XXXX ( XXXX ) XXXX. 

Here are my most recent text messages and am again asking for a deletion and goodwill letter to please remove this from my credit. I am a single mother and trying to rebuild my credit. 

Thank you, XXXX XXXX As requested, you can call CREDIT COLLECTION SERVICES ( a debt collector ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX or visit XXXX. We are collecting {$0.00} for XXXX XXXX XXXX XXXX Reference File # XXXX. To opt out, reply STOP. 


As requested, you can call CREDIT COLLECTION SERVICES ( a debt collector ) XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX or visit XXXX. We are collecting {$0.00} for XXXX XXXX XXXX. Reference File # XXXX. To opt out, reply STOP. 

This is message is from CREDIT COLLECTION SERVICES ( a debt collector ). A letter confirming your account is satisfied is XXXX. Reference File # XXXX. Office : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Thank you. To opt out, reply STOP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
What happened? 

PayPal improperly charged incorrect and unauthorized payment methods despite my explicit payment preferences and without my authorization, resulting in financial harm, fraud flags, and disruption to my business and a third party. 

Detailed Explanation ( Timeline & Facts ) On XX/XX/year>, I updated my PayPal payment preference for online purchases to my XXXX XXXX credit card. I received email confirmation from PayPal confirming that this change was successfully completed. 

Despite this, on XX/XX/year> at XXXX PM, a PayPal-processed purchase was incorrectly charged to my debit card rather than the designated credit card. This was not a merchant error. PayPal failed to honor my documented payment preference. 

When I contacted PayPal customer service, I was instructed to dispute the charge with the vendor, which is inappropriate and unreasonable. The vendor is not at fault, and disputing the charge would cause unnecessary delay and disruption. The purchase is for a computer essential to my business, and PayPals proposed solution improperly shifts responsibility to the consumer and merchant for PayPals internal failure. 

Additionally, on XX/XX/year>, I made a purchase directly with XXXX using my credit card. Due to a partial decline unrelated to PayPal, XXXX routed the remaining portion of the transaction through PayPal because PayPal is associated with my XXXX ID. 

Without any authorization from me, PayPal then began charging multiple payment methods stored in my PayPal wallet, selecting cards indiscriminately. This included : My debit card, which was flagged for fraud, and My girlfriends XXXX XXXX card, which PayPal had no authorization to charge under any circumstances. That charge was also flagged for fraud, requiring the card to be canceled and replaced. 

I did not approve, initiate, or consent to PayPal selecting alternative payment methods or charging third-party cards. No authorizationexplicit or impliedwas given for PayPal to override my payment preferences or charge unrelated cards. 

These incidents demonstrate a systemic failure in PayPals authorization controls and payment-routing logic, resulting in direct financial harm, fraud alerts, account interruptions, and business disruption. 

What harm did this cause? 

Unauthorized charges to multiple payment methods Fraud flags on my debit card Forced cancellation and replacement of a third partys credit card Disruption to essential business operations Significant time and administrative burden attempting to correct PayPals error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Re : Notice of disputed charge to Account No. Ending XXXX XXXX Dear Disputes I am writing to dispute a charge of XX/XX/XXXX XXXX XXXX for {$2800.00} XX/XX/XXXX XXXX XXXX for {$2500.00} XX/XX/XXXX XXXX XXXX for {$2500.00} XX/XX/XXXX XXXX XXXX for {$2500.00} XX/XX/XXXX XXXX XXXX for {$2000.00} The charge is in error because I never authorized XXXX  to remove these from my account. They always had my bank information but never authorized for these funds to be removed from Citizens account ending # XXXX. 
I contact XXXX and with no assitance on XX/XX/year> and was told by them to call my bank to resolve. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Block, Inc.
State: MN

Complaint narrative:
XX/XX/year> I made a dispute to cash out for {$31.00}. I disputed a XXXX order that was unauthorized. This is when I first realized that unauthorized XXXX orders were happening on my Cash App account. I went back and reviewed all XXXX orders on my Cash app and XXXX  % of them were not authorized by me. I then contacted Cash App again. On XX/XX/year> they helped me dispute every single unauthorized XXXX order on my Cash app. We disputed XXXX XXXX orders on XX/XX/XXXX the XXXX moving forward XX/XX/year>. Cash App sent me an email deciding to close my account because I failed to verify my identity. They also sent me an email saying this on XX/XX/year> For security, we paused your dispute until we can verify your identity. This is required by XX/XX/year> at XXXX XXXX XXXX XXXX or your account will be closed. After my account being closed, I have contacted Cash App numerous times and they keep giving me the runaround telling me a manager or supervisor. Will contact me within 10 days. The total amount XXXX orders that have been unauthorized on my account. Ive added up to roughly {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC regarding an alleged collection debt in the amount of {$160.00} that is being reported inaccurately, inconsistently, and without proper notice or validation. Jefferson Capital is reporting the same alleged debt under two different account numbers across the credit bureaus, which is misleading and unlawful. Specifically, Jefferson Capital is reporting account number XXXX to XXXX  and XXXX, while simultaneously reporting a different account number XXXX to TransUnion for the same {$160.00} balance. A single alleged debt can not lawfully be reported as multiple collection accounts using different account numbers, as this creates the false appearance of multiple obligations and artificially inflates derogatory information on my credit file. 
In addition, I have never received any written notice of this alleged debt prior to it being placed on my credit reports. I have not received an initial collection notice, validation letter, billing statement, or any written communication from Jefferson Capital regarding this account. This failure to provide written notice before reporting is a direct violation of FDCPA 809 ( a ) and constitutes the first violation, which carries statutory damages of up to {$1000.00}. I find it especially concerning because Jefferson Capital is reporting multiple collection accounts on my credit file, yet I have not received a single piece of mail from this company regarding any of them.

Despite the lack of notice, Jefferson Capital continues to report this collection without providing proper validation. I have requested validation, and to date, Jefferson Capital has failed to provide the documentation required under federal law. Proper validation requires, at minimum : proof of ownership of the debt, a complete chain of title from the original creditor to Jefferson Capital, a copy of the original contract or agreement bearing my signature, a complete itemized accounting of the balance, and proof that proper notice was sent prior to credit reporting. None of this has been provided. Reporting an unvalidated debt and continuing collection activity without validation violates FDCPA 809 ( b ), FDCPA 807, and FCRA 623 ( a ) ( 1 ) ( A ), as well as XXXX XXXX reporting standards requiring accuracy, consistency, and XXXX unique obligation per tradeline.

I am formally requesting that Jefferson Capital upload and provide all documentation relied upon to report this account, including validation and proof explaining why the same alleged debt is being reported under two different account numbers across the credit bureaus. This request is being made not only for my records, but so that the CFPB can review the companys compliance and to include with my complaint with the FTC and attorney generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used my Chase Freedom Unlimited credit card to place transactions on a XXXX XXXX. The app allowed the transactions to be completed using a credit card, and at no point during the transactions was I shown or warned that a cash-advance fee or additional charges would apply. 

After the transactions posted, I discovered that Chase charged a {$10.00} fee per transaction and applied a high APR, based on language in the cardmember agreement. While this may be disclosed in the paperwork, it was not clearly presented at the moment of transaction, when the payment decision was made.

I contacted Chase to request a reversal of these fees due to the lack of real-time disclosure. Chase refused to reverse the fees and only refunded one fee out of 22 transactions, despite some transactions being as low as {$5.00} and still incurring a {$10.00} fee. I also requested a partial refund of the fees, which was denied.

Had these fees been clearly shown at the time of purchase, I would not have completed the transactions. I believe this practice is misleading and unfair, and I am requesting a review and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I am filing a complaint regarding serious mortgage servicing and escrow errors by my loan servicer, United Wholesale Mortgage that acquired my loan from XXXX XXXX, that have remained unresolved for approximately six months following the closing and/or servicing transfer of my loan. 

Since that time, my monthly payment amount and escrow account have been incorrect. Despite numerous attempts to resolve this through customer service, the servicer has failed to correct the errors. These issues include, but are not limited to : Incorrect escrow balance and/or escrow analysis Incorrect monthly payment amount Failure to properly apply payments Failure to correct known servicing errors after notice I submitted a formal Notice of Error under RESPA ( Regulation X, 12 CFR 1024 ) requesting investigation and correction. The servicer has failed to provide a meaningful response or resolution.

In addition, the servicer has engaged in obstructive and deceptive behavior, including providing representatives with unverifiable or inconsistent names, refusing to provide accountable supervisors, and preventing escalation. This has made it impossible to resolve the matter through normal channels.

Because of the servicers failures, I do not know what my true payment should be, whether my escrow is accurate, or whether my account is being improperly reported. This has caused financial harm, XXXX, and fear of wrongful default or credit damage. 

I am requesting that United Wholesale Mortgage be required to : Perform a full and correct escrow analysis Correct all servicing errors from current and past servicers Remove any fees, shortages, or negative credit reporting caused by their errors Provide written confirmation that my account is accurate and current The servicers continued failure to correct these issues constitutes a violation of federal mortgage servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WAFD BANK
State: AZ

Complaint narrative:
I am a small business owner filing a complaint regarding repeated wire rejections and account restrictions on my business deposit account that I believe constitute unfair treatment and potential XXXX profiling. 

On two separate occasions, my account was restricted shortly after I conducted in-person branch visits. The first incident occurred after a visit to the banks XXXX, Arizona branch. Following this visit, a routine XXXX  business wire was rejected based on an incorrect assumption that the funds were related to gambling activity. This assumption was false. The funds were used for legitimate business purposes, and the amount was subsequently repaid approximately one month later. No gambling or unlawful activity occurred.

The second incident occurred after a later in-person visit to the banks XXXX, Arizona branch . Once again, shortly after the branch interaction, a routine XXXX  business-to-business wire transfer was rejected and my account was restricted. 

In both cases, the adverse account actions occurred only after in-person interactions and were not supported by clear, objective explanations or documented risk criteria. This pattern raises serious concerns that subjective judgment or profiling influenced how my account was handled rather than a neutral, risk-based review. 

I have also experienced a lack of meaningful communication. My attempts to obtain clear explanations have been met with generic, scripted responses that do not address the specific facts of my situation. 

I am requesting CFPB review to determine whether the banks actions constitute unfair banking practices, disparate treatment, or improper use of branch-level discretion in business account risk decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
I mailed a check in the amount of {$4800.00} to a landscape company and it was stolen somewhere before they got it. 

I filed a claim with Key Bank for fraud in XXXX of XXXX. They told me it would be settled within 90 days. 

The check was cashed by someone at XXXX so they have reached out to them to get reimbursement of the money and haven't heard back after several attempts. 

I am very frustrated that I have not gotten reimbursed. It is not a small amount. I feel I have been very patient with Key Bank and have gotten no where.

Can you please advise me on what I can do.

Thank you

Company response to consumer: Closed with explanation