vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/year>, I made a payment to my Citi XXXX XXXX XXXX from an account that did not have sufficient funds. This was my error in selecting the source account. I immediately transferred funds and the payment cleared on the second attempt. A {$30.00} returned payment fee was assessed. This is the first returned payment in the history of this account. On XX/XX/year>, I called Citi and gave my authorization for my husband to speak with the representative on my behalf to request a one-time courtesy waiver. The first representative was helpful and attempted to process the waiver but encountered system errors. After consulting policy and a supervisor, he stated that the process for reversing the fee required a letter from my bank, and offered to provide the address. The required contents of the letter were not specified, so my husband asked to speak with the supervisor to understand the policy and requirements. The supervisor ( Name : XXXX, Employee ID : XXXX ) was hostile from the outset and stated the fee was " non-waivable '' except for bank error a narrower standard than the first representative had described. When asked about other circumstances under which the fee could be reviewed, she pointedly referenced that the call was recorded and that insufficient funds had been admitted. This insinuation was unwarranted, as no one disputed the underlying facts. I am left without a clear understanding of Citi 's actual policy on returned payment fee review, and the supervisor 's conduct prevented a good-faith resolution that the first representative had been attempting to provide.

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 2026-05-24 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I am submitting this complaint regarding ongoing restrictions placed on my Zelle account and phone number. My access to the platform has been blocked, and despite multiple attempts to resolve the issue directly through customer support and escalation channels, I have not received a clear explanation or meaningful resolution. To my knowledge, I have not engaged in any fraudulent, suspicious, or prohibited activity that would justify permanently restricting my access to Zelle services. However, my account and phone number continue to remain blocked, preventing me from using a financial platform that is widely relied upon for everyday transactions and money transfers. This issue has negatively impacted my ability to manage daily financial responsibilities, send and receive payments, and conduct personal and business-related transactions efficiently. The lack of transparency regarding the restriction, along with the inability to resolve the matter through normal support channels, has created ongoing inconvenience and financial disruption in my daily life. I am requesting that the CFPB investigate this matter and require Zelle to provide : 1. A detailed explanation regarding why my account and phone number were restricted or blocked. 2. Any records or findings used to justify this action. 3. A formal review of my account for possible reinstatement if no verified fraudulent activity exists. 4. Clear guidance on what steps I may take to restore access to the platform. Consumers deserve transparency, fair treatment, and reasonable access to financial technology platforms that play a critical role in everyday banking and financial management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP
State: OH

Complaint narrative:
XXXX different accounts have been opened in my name and receiving mail at my home address, XXXX for XXXX XXXX a few months ago, one at XXXX XXXX on XX/XX/XXXX, one at Key Bank on around XX/XX/XXXX. I have contacted XXXX and XXXX XXXX and they have assured me its taken care of and reported as fraud, Key Bank would only look information with social security number and I didnt feel comfortable giving that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo 's legal department drew funds from my account without any communication. Making all my bills go negative. My terms and conditions changed due to my health. - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, I was charged {$40.00} for a subscription I had attempted to cancel. I requested a refund through PayPal, which they issued, but the transfer to my checking account failed and never arrived. I contacted PayPal support, and a representative confirmed they could see the refund had not been received and told me the funds would be sent again. The money never arrived. PayPal continued to email me about this after this point. I am seeking a full refund of all charges since my cancellation attempt and resolution of any debt collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint regarding a deferred-interest charge of {$1500.00} that was added to my SynchronyXXXX XXXX XXXXXXXX account on XX/XX/XXXX after expiration of a promotional financing period. The original charge was {$2800.00} on XX/XX/XXXX. I had been actively making payments on the account and had automatic payments enabled. I genuinely misunderstood that failure to pay the final remaining promotional balance in full by the expiration date would trigger retroactive interest on the original purchase balance dating back to the beginning of the promotional period. I am XXXX XXXX XXXX and have had many credit cards and was shocked to find out I had fallen prey this trap. At the time the promotion expired, the remaining balance was significantly smaller than the original purchase amount ( ~ {$1200.00} ), and the resulting interest charge was financially devastating and disproportionate relative to my understanding of the account status. I contacted Synchrony directly and requested goodwill consideration, partial adjustment, or hardship review, but was told no accommodation could be offered especially since it was more than 30 days. Its exactly 33 days and I also explained I did not notice the charge until now because I do not routinely login to my account because I have automatic payments enabled. I am requesting that Synchrony review this matter for possible relief, adjustment, or alternative resolution given the circumstances and my good-faith payment history. Additionally, these types of cards seem predatory in nature especially given that the minimum payment due per month is less than what it would take to pay off the balance before deferred interest applies. Thank you for your assistance.

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 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo to initiate 2 separate balance transfers, 1 to XXXX XXXX and XXXX to XXXX. The transfer to XXXX for {$2000.00}, never reached XXXX. I waited until XXXX for the payoff to reach XXXX, which it has not reached as of today, XX/XX/XXXX. I have contacted Wells Fargo 4 times, 2 of which I contacted their Executive Complaint line and they refuse to help me. Come to find out, the Wells Fargo representative incorrectly sent the {$2000.00} to a company that I never heard of, XXXX. Wells Fargo refuses to try and contact XXXX and attempt to get my money back, they also refused to provide me with the ACH details so that I can contact XXXX myself. I am desperate to get my funds back that Wells Fargo still is charging me for.

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 2026-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Good morning! My name is XXXX XXXX, and I am an educator and I have PSLF/TEPSLF. It is taking an awfully long time for MOHELA to update my Loan Forgiveness Count. The update will definitely fulfill my XXXX payment requirement. Most recently I had my former employer to certify my tenure with the company. The timeframe was XX/XX/XXXX to XX/XX/XXXX. Also, on my PSLF count, there is a gap in payment counts. Years XXXX, XXXX, etc are not included. I have requested a PSLF reconsideration and buyback but I havent heard anything back from the U.S. Department of Education or MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I had transferred money to my PayPal account that they are refusing to put back into my account even after notifying them numerous times and not only have they refused to resolve this issue they have made no attempt in trying to contact me after several times of complaining from me about the issues. They have repeatedly refused to resolve the issue at hand which they PayPal were taking money from to different t accounts that were tied to my accountt I had offered to submit them the paperwork from my banks but yet they have not once tried fixing my complaint they choose to put my account in a negative standing. The dates are from XX/XX/XXXX till XX/XX/XXXX for a total loss of {$2700.00} from multiple deposits not being applied and monies being taken from my accounts. Example ; if I paid from one account on XXXX XXXX then money would withdrawl from my bank account then on XXXX they charged me again on my other account. I would also like to add that when calling into there support number I would be told from XXXX to present that there were no supervisors that I can speak with and one would call me back in 24 / 72 hours which I am still waiting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am a confirmed successor in interest on a mortgage serviced by LoanCare. The borrower is deceased, and the associated estate has been closed for approximately two years. LoanCare has repeatedly failed to properly issue an escrow overage refund. Despite confirming my successor in interest status, LoanCare continues issuing the escrow refund check payable to the closed estate instead of to me directly. I previously notified LoanCare that the original check was incorrectly issued. LoanCare later stated that a replacement check had been processed, but the replacement was also improperly made payable to the estate. This has caused ongoing delay and prevented access to funds owed. In addition, LoanCare representatives implied or stated that I may need to formally assume the mortgage loan in order to receive the escrow overage funds. I dispute this position. A successor in interest should not be required to assume the mortgage simply to receive escrow funds owed after servicing actions.

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 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: OR

Complaint narrative:
I filed a report against first progress bank, report # XXXX SUBMITTED ON XX/XX/year>, I was shocked when my case was closed based on incorrect information provided by the company. The company said they stopped payment on my check because a chargeback was in progress from the card used to find my secured account. When in fact the term " chargeback, '' meant I filed a dispute after finding out my application had not even been processed. First progress fought the dispute saying they were processing my refund. So my dispute was closed in favor of first progress. The refund check was sent months later, so no chargeback was pending as they said, it took several months to get the refund check from first progress and the check was returned for stop payment, the dispute from the card I used to fund the first progress card was closed. And it's not the same card they say the refunded to. I HAVE NEVER RECEIVED MY MONEY BACK FROM THIS COMPANY. I closed THE bank account for denying my dispute that deducted the payments to 1st Progress, and after being promised a refund multiple times, I RECEIVED a stop payment check causing me overdraft fees, and I'm still fighting to get my money back First progress is saying they refunded me to a card I don't have done recognize. I've asked for proof in writing of both the charges for the deposit as well as the refund, still have not received these or the refund. Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am filing a formal complaint against Chime for an immediate, automated denial of my fraud dispute under Claim Number XXXX totaling XXXX XXXXXXXX XX/XX/year>, I filed a dispute for 'Services Not Received ' and 'Merchant Misrepresentation ' regarding an online gaming network that pulled an exit scam and permanently locked my account on XX/XX/year>. Chime 's automated system closed my claim in less than 24 hours, stating 'no error occurred. ' They completely failed to have a human review the extensive evidence and lockout screenshots I provided.To clarify for federal investigators, this dispute is strictly against the following interconnected gaming merchant descriptors : XXXX XXXX XXXX XXXX, and XXXX XXXX Any unrelated billing descriptors like XXXX XXXX ' must be excluded from this file.Chime is violating my consumer rights by refusing to conduct a reasonable, manual investigation into a clear merchant breach of contract. I am requesting that the CFPB compel Chime to reopen this case immediately for a proper human review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TN XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing regarding my auto loan account with CarMax. I recently reviewed my credit reports and noticed late payment information being reported on my account that I believe is inaccurate and unfair considering my payment history and the current status of my account. My account is currently in good standing, and I have been making my payments on time. Because of this, I respectfully request that you review my account history and remove any late payment reporting associated with this account from all credit bureaus. These negative marks do not accurately reflect my current payment behavior and are negatively impacting my credit profile. As a loyal customer who has worked hard to maintain my account, I am requesting a goodwill adjustment to remove the late payment history reported to the credit bureaus. I value my relationship with your company and would greatly appreciate your consideration of this request. Please send me written confirmation once your review has been completed and any corrections have been made. Thank you for your time and consideration. I look forward to your response. Sincerely, XXXX XXXX XXXX : XX/XX/XXXX Last Four of XXXX : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: LA

Complaint narrative:
XXXX - Initial Complaint # I disputed a XXXX charge on my Cash App card ending in XXXX. The dispute was denied on XX/XX/XXXX. I then exercised my rights under Regulation E and requested the documents relied upon to make the determination. '' Cash App did not provide the required documents. Instead, they sent me a generic summary letter dated XX/XX/XXXX. The letter states that the transaction was processed in accordance with the payment information provided by the merchant, but Cash App did not provide the merchants response, the authorization logs, the payment information they claim to have reviewed, or any of the actual documents used in their investigation. The only thing they provided was a summary, which does not satisfy my legal right to receive the evidence relied upon in the determination. Additionally, the documentation I submitted clearly shows that the XXXX order was paid with a different card ending in XXXX and XXXX benefits, not my Cash App card ending in XXXX. Cash App denied my dispute without providing any of the evidence they claim to have reviewed. NOW, fast forward to XX/XX/XXXX, I am asking for an update and I'm getting put off again. Stating they are reviewing and waiting on XXXX to decide if they can refund me or provide more information. I SHOULDN'T HAVE TO WAIT ON XXXX. PER CASH APP 'S OWN LETTER TO CFPB, THEY WOULD HAVE AN UPDATE WITHIN 7-10 BUSINESS DAYS FROM XX/XX/XXXX. HERE IT IS XX/XX/XXXX AND NOTHING BUT THE RUN AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Complaint Description : On XX/XX/year>, an unauthorized ACH/Bill Pay transfer of {$9800.00} was sent from my checking account to " XXXX XXXX XXXXXXXX XXXX '' The transaction was executed via an active malware-driven session hijack ( token theft ) on our local device, which bypassed Multi-Factor Authentication ( MFA ). Huntington Bank issued a blanket denial ( Reference # XXXX ) solely because their automated system detected a " valid session token. '' The bank is in direct violation of Federal Regulation E by failing to conduct a reasonable forensic investigation. They have completely ignored explicit evidence of the malware root cause, geographical IP location discrepancies, and a coordinated external breach of our linked email communications ( malicious filters designed to suppress bank alerts ). Furthermore, an initial bank representative mishandled the intake by filing a fraud report for a completely separate, legitimate transaction. Desired Resolution : Immediate reversal of the automated denial, a manual forensic review of the IP access metadata, and full reinstatement of our {$9800.00} via provisional or permanent credit under Regulation E protections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 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: Ability Recovery Services, LLC
State: PA

Complaint narrative:
They call me harassing me every day saying I have a balance owe but thats not possible I had a letter sent to me saying that my date an information has been leaked so im trying to get this issue resolved and fixed off my credit.

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 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
I am disputing this collection account because I do not recognize or agree with the debt being reported. I requested proper validation, but I have not been provided with sufficient documentation proving that this debt is accurate, belongs to me, and that the collector has the legal right to collect or report it.

Company response to consumer: Closed with explanation