vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2026 - {$40.00} late fee XX/XX/2026 - XXXX late fee XX/XX/2026 - {$29.00} late fee I contacted bank of america on XX/XX/2026 via phone and was on hold for more than XXXX hour. So I tried contacting them from the bank of america app chat option to chat with an agent - XXXX. I requested the live chat agent to please waive the late feed charged above because I did not receive statements, alerts from bank of america about the charges and fees. When I noticed that bank of america reduced my credit line and reported my account as delinquent to the credit agencies - I was surprised to find out about the past due balance and immediately made payments for all transactions. XXXX. The bank of america chat representative said they help clients minimize late fees and charges. I asked how and XXXX said - by helping me set up a recurring payment plan where the automatic payment is paid monthly. This does not help clients minimize late fees for my situation because : XXXX. I always pay my credit card balances at the end of month and dont usually accrue interest and late fees on my credit cards. XXXX. Paying only the minimum amount due helps the bank collect interest charges and late fees over time. I asked XXXX how am I receiving statements and he said I receive online statements but I checked my emails and I dont get statements from bank of america 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 non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am filing this complaint against PayPal regarding multiple cryptocurrency transfers that resulted from a coordinated online fraud scam and were improperly denied by PayPal. Between XX/XX/year> and XX/XX/year>, I was manipulated through XXXX by individuals posing as customer service staff, executives, and financial personnel in what appears to be a task/commission and fake withdrawal scam. These scammers repeatedly pressured me to send additional funds with false promises that : my earnings would be released within minutes my balance would be unfrozen my credit score had to be repaired I would receive bonuses and commissions I needed to complete XXXX final task to withdraw As a direct result of this deception, I made multiple transfers from my PayPal account, including : XXXX transfers {$450.00} to XXXX {$1400.00} to XXXX {$390.00} to XXXX {$99.00} to XXXX Additional XXXX transfers prior XXXX XXXXransfers previously reported in my earlier PayPal claim and evidence These transactions were not legitimate investments or purchases. They were the result of repeated fraudulent inducement and false promises designed to pressure me into continuing to send funds. PayPal denied my fraud claim by stating that the transfers were consistent with my account history. This reasoning ignores the nature of induced fraud and social engineering scams, where the victim personally initiates the transfer after being manipulated. The repeated transfers, escalating amounts, multiple wallets, and surrounding scam messages clearly show a fraudulent scheme rather than legitimate authorized use. I am attaching : XXXX scam messages fake bonus and fake withdrawal messages fake identity verification and fake credit score repair demands all PayPal XXXX XXXX XXXX transfer screenshots multiple external wallet addresses used by the scammers prior denial and appeal denial correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
On or about XX/XX/year> I requested to close my escrow account. I received communication that a refund of my escrow account would be sent with in XXXX business days. Around mid XXXX I had not received my refund. I contacted Rocket Mortgage and asked for the check to be reissued. XXXX agent said it could be done but then sent me to a supervisor and the supervisor told me to wait longer. I contacted Rocket mortgage again on XX/XX/year> and requested the check to be reissued, I was told it would have to be authorized. I asked XXXX times to speak to a supervisor and was ignored. The customer service representative just stopped talking. He finally stated that the supervisor was busy and they would call me back. I have asked for the check to be reissued and overnight delivered or sent electronically. Rocket mortgage has held over {$1000.00} XXXX for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I have ordered an expensive laptop through XXXX with my cash app card for XXXX . It was delivered yesterday, I tried contacting XXXX because my package was stolen. They didnt give me any sort of compensation. So I tried cash app and still havent heard back from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Fraudulent charges to my credit card XXXXTarget since XX/XX/year>. {$81.00} and {$10.00}. I called continously. Target charged me late fees and interest fees for Fraudulent charges. Finally in early XXXX target reimbursed the Fraudulent charges. However, they are still charging me late fees and interest. Target has destroyed my credit. I don't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
Re : Account Reference XXXX Alleged Debt of {$12000.00} owed to XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Certified Mail XXXX XXXX XXXXXXXX Dear Sir or Madam : I am writing in response to your attempts to collect the above-referenced alleged debt in the amount of {$12000.00} that you claim is owed to XXXX XXXX XXXX per your letter dated XX/XX/year>. Pursuant to my rights under Section 809 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the validity of this debt and hereby demand that you provide complete validation of the debt, including but not limited to : XXXX. The complete chain of assignment ( chain of title ) showing every transfer of ownership of this debt from the original creditor, XXXX XXXX XXXX ( Account ending in XXXX ), all the way to XXXX XXXX XXXX. This must include copies of each assignment agreement, bill of sale, or other legal document that proves XXXX XXXX XXXX has the legal right to collect this specific debt. XXXX. The name and address of the original creditor ( XXXX XXXX XXXX ). XXXX. A copy of the original signed contract or other document that created the alleged debt. XXXX. A complete accounting of the debt, including the date the debt was incurred, the amount of the original obligation, and an itemized statement showing how the current balance of {$12000.00} was calculated. XXXX. Proof that your agency is licensed and authorized to collect this debt in my state. Until you provide the above validation, you are required by law to cease all collection activity on this account. This includes, but is not limited to, reporting the debt to any credit reporting agencies, calling me, or sending further collection notices. Please mail all requested documentation to the address listed above. I expect a written response within thirty ( XXXX ) days of your receipt of this letter. Nothing in this letter shall be construed as an acknowledgment or admission of any debt or liability on my part. Thank you for your prompt attention to this matter. XXXX XXXX I have also sent the above letter via certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: UT

Complaint narrative:
I am filing this complaint regarding ongoing collection attempts by Halsted Financial Services , LLC for an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account. On XX/XX/year>, I sent a written dispute and request for validation of this alleged debt via certified mail. This letter clearly stated that I dispute the debt and requested that all collection activity cease until proper validation was provided. Halsted Financial signed for and received this letter on XX/XX/year>, as confirmed by certified mail receipt. As of today, Halsted Financial has failed to provide any validation of the alleged debt. Despite receiving my dispute and validation request, Halsted Financial has continued to engage in collection activity by sending me text messages attempting to collect payment. These messages include settlement offers, payment plans, and statements suggesting escalation to legal action if the account is not resolved. For example, on XX/XX/year>, I received a text message offering a discounted settlement and warning that the account may be referred to an attorney if not resolved. This is a clear attempt to collect a debt. Halsted Financials actions constitute continued collection activity despite a pending validation request. I have not been provided with any documentation verifying the debt, yet they continue to pressure me for payment. I am requesting that Halsted Financial : Cease all collection activity until proper validation of the alleged debt is provided Provide full and complete validation of the debt, including documentation showing that I am legally obligated to pay. Confirm whether this account has been reported to any credit reporting agencies, and if so, ensure it is properly marked as disputed I am requesting that this matter be investigated and that Halsted Financial be required to comply with all applicable laws regarding debt collection practices, and I am more than happy to attach all documentation if needed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I am a retired veteran and I travel XXXX quite often due to XXXX XXXX. my identity was stolen and fraudulent accounts were made in my name while serving my country. I contacted the credit bureaus and now the allege creditors. The accounts have been reported on my credit profile using inaccuracies and unauthorized address information. A report has been filed with the united states postal inspection service. ( XXXX XXXX XXXX regarding mail fraud and misuse of address data. Westlake financial stated they could not send me any verfication of debt which violates the fdcpa and the fcra federal laws. I am asserting identity theft and identity misattribution under federal law. an ftc report has been filed and a report with the local police dept will XXXX be filed. ftc report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
I currently have a loan with Regional Finance. They have been calling from XXXX different numbers. I spoke to representatives in the local office, and another office continues to call. On XX/XX/XXXX, they called XXXX times and left XXXX messages, which I know violates the FDCPA. XXXX XXXX they have called XXXX times, and I have talked to XXXX different reps. The XXXX time, I advised that I had already spoken with someone, and then another rep called a few hours later and said no one had spoken with me. I am aware I have a debt and have made arrangements with the local office, and they continue to call. On the last call, I asked that they remove my number from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a business owner with a Chase business checking account. On XX/XX/year>, my client made a payment of {$5200.00} to my account for legitimate business services rendered. My client has confirmed that the funds were successfully debited from their account. However, Chase has placed a hold on these funds and informed me that they may be withheld for up to XXXX days. I have provided all documentation requested by Chase, and even Chase customer service representatives have acknowledged that I have submitted sufficient information. Despite this, I have received no clear explanation for the hold, no defined resolution process, and no timeline beyond a vague XXXX period. Chases XXXX and XXXX team does not provide phone support, and communication has been limited to email with no meaningful updates or justification. This situation is causing direct financial harm to my business, as I rely on timely access to funds to operate and pay expenses. Chases continued withholding of legitimate business funds without clear justification or a defined resolution process is unacceptable and harmful to small business operations. I have made multiple attempts to resolve this directly with Chase without success including filing a formal dispute process with the trust and safety team via email, multiple conversations with customer service including supervisors, and working with my local branch on updates to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Cashed a check at the branch on XX/XX/year> receive {$600.00}. Over amount of check. I returned back to the bank to return the {$600.00}. I was told to return it next day and takes what I did. On XX/XX/year> they overdraft my account because I did not have the XXXX. I received a latter XX/XX/year> stating {$600.00} has been deducted from 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 monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a fraudulent credit card account that was opened in my name without my knowledge or authorization. This account, associated with JPMorgan Chase, is currently being reported on my credit report with a balance that I do not owe. I have already attempted to contact the creditor to report this fraud, but I have not received the assistance needed to resolve this matter. I also contacted the credit reporting agency to dispute this account ; however, I was informed that further documentation is required, and no resolution has been provided. I want to make it clear that I did not open this account, authorize its use, or benefit from any charges associated with it. This is a case of identity theft. I am in the process of filing an official Identity Theft Report and am requesting the following : Immediate investigation of this fraudulent account Removal of this account from my credit report Correction of any negative impact on my credit profile Written confirmation once this matter has been resolved Please be advised that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information, and such information must be promptly corrected or removed. This accont was opened XXXX XXXX moths years ago I appreciate your immediate attention to this matter and expect a timely resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union closed all of my accounts and my credit card saying I tried to open up another account with a different social security number and I didn't. I have a sister and her name is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Triton Recovery Group
State: GA

Complaint narrative:
I am a small business owner disputing an alleged debt and a XXXX lien filed by XXXX XXXX XXXX and their collector, Triton Recovery Group. My contract ( XXXX XXXX ) explicitly states that XXXX debits are only authorized for business days ( XXXX ). On multiple occasions, the company initiated debits on XXXX ( specifically XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). These unauthorized weekend debits triggered over {$1800.00} in NSF fees and destabilized my account. I provided the company with certified bank statements from XXXX XXXX XXXX documenting these XXXX transactions. Instead of reconciling the account or providing their own initiation logs, the companys representatives ( Triton Recovery ) responded with bad-faith intimidation tactics. Specifically, on XX/XX/XXXX, a representative formally stated in an email that my providing bank records " can be deemed as fraud. '' The company is using this disputed debt to maintain a XXXX lien on my XXXX business account, preventing me from operating. They have refused to address the documented contract breach and are instead using false accusations of criminal activity ( fraud ) to pressure me into paying an inflated balance that includes their own unauthorized fees. I am requesting an immediate investigation into these deceptive collection practices and a release of the disputed lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information being reported on my credit file by XXXX Specifically, I am disputing a debt that was originally associated with a creditor and has since been sold or transferred to a third-party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to finance a purchase through Klarna on the XXXX XXXX website ( XXXX XXXX. During the checkout process, I received an error message stating that the transaction did not go through and that I should visit a retail location instead. No order confirmation was provided. I attempted the process a second time on the same date. During this second attempt I was prompted to complete additional verification steps, including granting Klarna access to my banking information. After completing these steps, I received the same error message again. Once again, no order confirmation was provided. Despite both transactions appearing to fail, Klarna charged my credit card twice {$140.00} each, totaling {$280.00} representing the first installment payment for XXXX separate Klarna financing agreements. These charges are visible in the Klarna app. No goods or services were received as a result of either transaction, as XXXX XXXX has confirmed in writing via chat that no order was ever processed on their end. I contacted Klarna customer service to report the duplicate charges and request a refund. Klarna instructed me to obtain written confirmation from XXXX XXXX stating that no order was placed. When I contacted XXXX XXXX, they confirmed that no order exists but stated they are unable to provide formal written documentation to that effect. Their suggested workaround was for me to screenshot their chat conversation and upload it to a Klarna chatbot after waiting XXXX hours from the time of the charges. As of the date of this complaint, both {$140.00} charges remain active on my credit card. The {$280.00} total has depleted my available funds and left me unable to complete the intended purchase. I have received no refund, no escalation path, and no timeline for resolution from Klarna despite multiple contacts. I am filing this complaint because : XXXX. Klarna charged my credit card twice for transactions that their own merchant partner ( XXXX XXXX ) confirms were never completed. XXXX. Klarna has failed to provide a clear or timely resolution process for what is clearly a duplicate charge resulting from a technical failure. XXXX. The resolution path offered by Klarna uploading a screenshot to a chatbot is inadequate for a {$280.00} billing dispute. I am requesting that both {$140.00} charges be immediately refunded in full, and that Klarna review its checkout error handling process to prevent this from happening to other consumers.

Company response to consumer: Closed with explanation