vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX  store credit card offers no interest promotional plans for purchases. I have a promotional plan expiring XX/XX/year> that had a balance of {$1000.00} for this specific plan. XXXX card requires minimum payments plus the payment plan balance, which I did. My XXXX minimum payment was {$89.00}, paid XX/XX/year>. Payment plan balance listed on my online account page was {$1000.00} as of XX/XX/year> and I scheduled the payment for XX/XX/year> for promotional plan balance listed on the account. Overall balance reflected the decrease in balance from payments, however, promotional plan did not reflect paid in full. I sent several messages inquiring about this and was informed it would be allocated after 23 days of payment. I waited the 23 days and no change to promotional plan balance so I followed up with another message and requested to be escalated to a supervisor. I had a previous promotional plan I thought I paid off last year and ended up being charged all the interest for, which is why I was diligent about following their requirements to pay minimum payments plus entire promotional balance. I received a reply message that I needed to call and request the payment be allocated to the promotional plan. There is and only has been one payment plan listed on my online account portal since the one last year expired and just became part of my balance plus the interest. I called yesterday to get payment allocated and was disconnected by the allocation department. I called again today, spoke with allocation department who stated my payment plan that is about to expire can not be paid with the {$1000.00} payment I made since " the system automatically sent the payment to the other payment plan '' ( from last year that had expired and just became the balance of the account. In other words, so they can charge me the interest for this payment plan. The supervisor today ( XXXX ) could not explain to me then where my minimum payments go if the payment plan requirements are minimum payments plus full balance of payment plan and how a payment plan can expire, charge me interest for it, and then still quietly require it be paid off first? I closed my account and informed supervisor I would be filing official complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have been with Chime for XXXX years, I have the XXXX XXXX never had a problem, then all of a sudden they sent me something about {$100.00} loan and so I did it because Im a hurricane victim that is still not back in her house so Money is really tight trying to pay other bills at my house and find places to stay, so I took the loan the loan is paid off and now they took all my money and no pay and left me with nothing for two weeks and said well thats the way it works, there was no advance notice telling me thats what happens theres nothing that said that, I dont know what happened but now they have left me completely without money and again I am a hurricane victim and I have nothing to even eat for two weeks with no notice they just took everything and said well we cant help you thats not the way it should run Im appalled by their service, I could barely understand the guy at customer service because hes from XXXX or something but I cant understand XXXX what hes saying, but theres running a terrible service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CADENCE BANK
State: MS

Complaint narrative:
XX/XX/XXXX I received property tax notice from the local tax office for XXXX land taxes. I immediately contacted the company to ensure the funds had been released from escrow to the tax office. The company confirmed the taxes were paid. I did not contact the tax office to confirm they had not received the funds assuming that it just had not processed yet. XX/XX/XXXX I received a tax delinquent notice from the tax office. Due to the nature of the mailed notice I decided to visit the office. I found that my property was split into XXXX XXXX  or XXXX  and the company had only been paying the taxes on XXXX XXXX  leaving the other XXXX XXXX unpaid since XXXX. To prevent loosing my property I paid the back taxes, late fees and penalties. The total exceeded {$2500.00}. The following week I notified the company. I also sent copies of the the invoices and accompanied information. I inquired as to reimbursement for the penalties and late fees that I had to pay due to the error. I was informed that the request for reimbursement was sent to a 3rd party vendor in XXXX of XXXX. I checked in periodically for updates but continued to get the same response. The last email was on XX/XX/XXXX in which I was told it had been escalated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I made XXXX purchases at XXXX for {$500.00}. However I did not earn the 5 % cashback for groceries on any of them. Can you please take a look and issue the expected 5 % rewards on purchase up to {$1000.00} on them ( {$50.00} in points ) I had activated the cashback category just before making the purchase in the PayPal app. However PayPal representative falsely claims that the see the cashback activation XXXX minutes after the transaction and is refusing to give cashback due to me. 

I followed all the rules to get cashback and used their app as instructed to activate it. However, instead of acknowledging that their system glitched and is recording that the order of purchase and activation was likely incorrect, the company is trying to deny my claim over made up pretext. Do I need to take a photo of the clock every time I use their app because PayPal seems to not trust their customers?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/26 I sent {$200.00} via Cash App ( Transaction ID : # XXXX ) as a deposit toward a vehicle. The deposit was never described or agreed to be non-refundable. The vehicle purchase did not occur. The seller acknowledged cancellation in writing and agreed to issue a refund. However, after agreeing to refund the payment, the seller stated he would take XXXX business days to do so. There was no prior agreement to any such timeframe. 

When the refund was not issued, I filed a dispute with Cash App and forwarded them all pertinent information such as screenshots with the other party. The dispute was marked resolved, but no funds were returned and no written explanation was provided. I contacted customer support and was told I would receive an email, but no email was sent. I had to reopen the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: FL

Complaint narrative:
A collection account of {$67.00} from Credit Collection Services ( reporting as CREDIT COLLECTIONS with original creditor XXXX  ) appeared on my XXXX  credit report. It was opened on XX/XX/XXXX, and last reported/updated in XX/XX/XXXX. The account shows no detailed information about the original debt, such as policy number, effective dates, vehicle info ( if insurance-related ), or how the {$67.00} balance was calculated. It is listed as unpaid with original balance {$67.00}. 
I have no knowledge of any policy, service, premium, or debt with XXXX XXXX or any related entity. I never authorized, applied for, received benefits from, or received any bills/notices about this alleged debt. This appears to be inaccurate, incomplete, or possibly the result of identity theft or unauthorized use of my information by a third party. 
I disputed this item directly with XXXX ( using their online dispute process ), explaining that the information is unverifiable and inaccurate due to lack of details and no recognition on my part. XXXX  has not yet resolved it satisfactorily. 
The furnisher ( Credit Collection Services ) has not provided proper debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), including proof of the original debt, assignment, or authorization. They continue reporting this unverifiable/inaccurate information to credit bureaus in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ), which requires reasonable investigation of disputes and correction/removal of unverifiable items.

This inaccurate collection is negatively impacting my credit score and ability to obtain credit/insurance. The small amount does not justify the harm caused by improper reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
On or about XX/XX/year>, I became aware of a Klarna account that I did not open and no less than XXXX different charges that I did not authorize in the amount of approximately {$2500.00}. I did not apply for, consent to, or receive any goods or services associated with this account. 

I contacted Klarna in XX/XX/year> to dispute the account and requested written verification, including documentation showing how the account was opened, what identity information was used, transaction records, and proof of authorization. At that time, I shared a copy of the FTC Identity Theft report I had filed. I also requested that the account be removed and that it not be reported to any credit bureau. 

On XXXX XXXX, I received a response stating that my complaint was escalated ( reference ID XXXX ), but no documentation or verification has been provided. As of today, I have not received any substantive response or proof that I authorized this account. 

This appears to be identity theft or an account opened without my authorization. I am requesting immediate investigation, written verification of the account, removal of any associated charges, and confirmation that no negative credit reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: SC

Complaint narrative:
AMER FST FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research AMER FST FIN 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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XXXX I initially received a text message that my account was suspended and upon clicking the link a cashapp site popped up but then I went to the actual cashapp app and saw that my money was taken from my account. They also tried to add money to the cashapp from my teachers account twice for {$23.00}. I have screen shots and screen recordings to show everything and the message I received. I havent sent money to that person, I dont know that person. Also you can see in all all my recent history, you can see they logged on on a different device and XXXX  I dont have that I have XXXX. When disputing and calling Cash App support they told me to call the number associated with that account that took the money to get my money back and then call back if they dont which is also ridiculous because when someone steals they arent going to give it back. I also have the screenshot texting them and also letting them know I will file a police report for my stolen money. Also you can see that a few days later they did the same exact thing XX/XX/year> logged in on a new device in XXXX  which I am not located in XXXX. They also tried to take {$460.00} out of my account. This money I made over the weekend through hard work with what I make and it is ridiculous and unfair that my hard earned money was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have repeatedly asked BMO on a boat loan that extra payment amounts be applied to principal, for over XXXX XXXX I set up auto payments weekly for {$170.00} per week after amount due was fulfilled they refused after several requests to apply extra payment amounts to principal and instead they repeatedly apply to future payments and keep moving the due date out effectively steeling interest instead of allowing me to pay the loan down, they finally went back and un applied and re applied past payments in the way I asked and magically my balance reduced for around {$2000.00}, now after all these headaches I went back to XXXX monthly payment and now the last XXXX payments of {$610.00} have been allied to interest only and XXXX principal. I have asked this company repeatedly not to apply payments this way and they keep engaging in unfair and predatory practices and theft of my money. I wish action to be taken as it is clear calling them and talking to them does not change anything. Please help

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 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
I keep getting a collections from XXXX XXXX, for a debt that was not mine. I have already disputed this debt successfully previously but again t mobile has hired a new company to retrieve debt that is not mine. I still use t mobile to this day, I have no idea what this debt is about. I got a letter today from Jefferson Capital Systems LLC, about a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I recently applied to assume an FHA mortgage to purchase the mortgaged real estate. Freedom issued a statement of credit denial based on my income being less than required to meet FHA guidelines. I believe the denial is based on my age - XXXXXXXX. I computed my XXXX using FHA guidelines available on the FHA website. According to my calculations, my credit should be acceptable. I asked Freedom to provide me with its calculations of my XXXX. The company refused. I asked Freedom to provide me with the FHA guidelines that excluded some of my income. The company refused. This lack of transparency alerted me to consider Freedom had something to conceal from me. I believe that something is age discrimination and possibly, XXXX discrimination. I am XXXX. Please help me with this.

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 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent a letter requesting complete debt verification. They sent a letter that has not met that criteria.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 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: NE

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-02-20 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: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America exercised its right of setoff and removed funds from my checking account to satisfy a past-due credit card debt. While I understand the banks contractual right, the removal of these funds has created immediate financial hardship. 
The funds taken were designated for essential living expenses, including rent and my vehicle payment. As a result, I am at risk of overdraft fees, housing instability, and potential repossession. 
I contacted the bank to request a hardship exception or temporary reversal and was denied without meaningful review. 
I am requesting supervisory review of this hardship situation and a reasonable resolution that prevents immediate financial harm.

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 2026-02-20 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: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Telemarketing scam XX/XX/2025 received XXXX in my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: E Mortgage Capital, Inc.
State: CO

Complaint narrative:
Refer to XXXX. Once again I am STILL RECEIVING mail from Emortgage capital! XXXX XXXX! 
I will afford you 30 days to have this company stop sending their XXXX trash, after the 30 days has elapsed, any mail or anything from them or anyone will be met with extreme hostility! These XXXX parasites need to be eradicated immediately and I will do so by any means I see fit! They have been told so many times to stop, and still continue to perpetuate this harassment, so this is your last chance to stop! Or be removed with extreme force!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: MS

Complaint narrative:
I was using Cashapp as my primary bank, and all of my direct deposits where going to Cashapp. My Cashapp card was stolen XX/XX/year> and it was multiple unauthorized transactions, so I disputed them when Cashapp. Cashapp denied my disputes even thought I provided them with a police incident report and identity theft report, giving them all the information they needed, and the still denied me my disputed even though they were unauthorized. It was over {$3000.00} that was stolen from me and I want all of it back.

Company response to consumer: Closed with explanation