vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: The J. G. Wentworth Company
State: NJ

Complaint narrative:
I enrolled in a debt settlement/debt resolution program in XX/XX/XXXX involving XXXX accounts totaling approximately {$17000.00}. I was told the program would negotiate settlements with my creditors while I made biweekly deposits into a dedicated escrow account. Over time, I became increasingly concerned about the transparency and administration of the program. The escrow account reflected multiple categories of fees and transactions that were difficult to reconcile, including settlement fees, monthly legal subscription fees, account maintenance fees, tracked payment/check fees, XXXX XXXX transactions, reversals, and other account activity that was not clearly explained in a consumer-friendly manner. The agreement stated that settlement fees would equal XXXX % of the enrolled debt. However, after reviewing the records, I discovered a large settlement-fee withdrawal of approximately {$1500.00} taken on or around XX/XX/XXXX in connection with a XXXX settlement payment of only {$300.00}, followed by additional recurring settlement-fee withdrawals afterward. Although the company later explained this was part of the earned settlement fee, the transaction history was confusing and not clearly communicated beforehand. I also paid recurring monthly legal subscription fees of approximately {$19.00} per month in addition to escrow maintenance fees and payment processing fees. Despite these ongoing fees, I experienced difficulty obtaining clear written explanations regarding account balances, creditor ownership, fee calculations, and payment histories. I repeatedly requested written clarification and account documentation but experienced delayed or inconsistent responses. I also had difficulty obtaining accurate information regarding XXXX of the enrolled accounts after it was transferred or associated with another entity. At times, I was unable to independently verify balances or fully understand how certain transactions were being applied. After reviewing the account records in detail, I decided to withdraw from the program and attempt to resolve the debts directly with creditors. I requested written confirmation of my withdrawal, revocation of authorizations, and a final accounting of all deposits, fees, creditor payments, reversals, and remaining balances. I am submitting this complaint because I believe the fee structure, escrow accounting, and overall administration of the program lacked sufficient transparency and made it difficult for me as a consumer to reasonably track where my money was going and what services were actually being provided in exchange for the recurring fees collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am disputing three unauthorized withdrawals by XXXX : {$0.00} on XX/XX/XXXX, and {$26.00} and {$9.00} on XX/XX/XXXX. XXXX used predatory balance sensing to " sweep '' my account 10 minutes after a refund arrived. XXXX violated 12 CFR 1005.10 ( d ) ( 1 ), which requires 10-day written notice if a transfer " will vary in amount from the previous transfer... or from the preauthorized amount. '' No notice was provided for the {$0.00} pull or the subsequent XX/XX/XXXX pulls. XXXX also violated 12 CFR 1005.10 ( b ), which requires transfers be authorized " only by a writing signed or similarly authenticated by the consumer. '' My authorization was for XX/XX/XXXX only. In an email on XX/XX/XXXX, XXXX representative XXXX admitted : " Since the repayment failed, we will continue to retry payment until we collect the full amount. '' This policy of automated " fishing '' retries without a signed writing for specific dates is a direct violation of the EFTA. Furthermore, XXXX violated 15 U.S.C. 1693k by conditioning credit on a {$9.00} membership fee and refusing to let me disconnect my card to stop these sweeps. Under 15 U.S.C. 1693l, their " User Agreement '' can not waive these federal rights. Because XXXX seized my gas money, I suffered actual damages ( lost wages ) on XX/XX/XXXX. Under 15 U.S.C. 1693m ( a ), XXXX is liable for actual damages and statutory penalties of {$1000.00} per violation. I demand a full refund and an investigation into XXXX non-compliant " retry '' system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Portfolio Recovery Associates concerning a debt collection matter that has already been resolved through a payment agreement. Case Number : XXXX On XX/XX/year>, I reached a settlement/payment agreement with Portfolio Recovery Associates and provided an initial payment of {$1000.00}, which was successfully debited from my bank account. In addition, I agreed to make monthly payments of {$58.00} according to the payment arrangement discussed with their representatives. Portfolio Recovery Phone Number : XXXX Despite this agreement being in place and my initial payment already processed, Portfolio Recovery Associates continues sending a process server to my home. This ongoing action is causing unnecessary stress, emotional distress, and disruption to my household. As of today, I have not received a copy of the written settlement agreement by regular mail or email, even after being informed that they would verify whether it could be sent electronically. To this date, I still have not received any documentation confirming the agreement. I respectfully request immediate intervention regarding the following concerns : XXXX Immediate cease and desist of any further process server visits to my residence. XXXX Confirmation that the agreement has been properly documented and communicated to the court, if applicable. XXXX Delivery of the written settlement agreement to me immediately by mail and/or email. XXXX Investigation into Portfolio Recovery Associates collection practices in this matter. I am attempting to comply in good faith with the agreement already established, and I believe these continued actions are unfair and inappropriate considering the settlement and initial payment already made. Thank you for your attention to this matter. I appreciate your assistance and look forward to a resolution. Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a Care Credit XXXX Synchrony Bank ) customer and have been for several years. My payment is set to autopay, but once I had more than XXXX promotional balance, if I see a promotional balance expires soon and it is more than my promotional balance, I have been updating the payment to either the exact amount or more if my autopay is not enough to cover. I noticed interest charges on promo balances -- I may have missed a few deadlines early on, but have not missed any in recent years. OR SO I THOUGHT. I noticed I am still paying interest charges on promo balances I thought I paid off. Due to their deceptive advertising, it is not obvious UNLESS you ask how you can ensure your current payment goes towards an expiring promotional balance. This is very misleading for consumers, and makes them jump through extra hoops to avoid their promised " XXXX interest '' during promo periods. This would be an easy issue to solve for the consumer if we could make the request online through the app or website, but we can not. In order for your payment to go towards your most recently expiring promo balance, you must make a phone call and speak to a live person. This means going through their phone system, and they do not make it easy to speak to a live representative at all. This also costs more time and money via phone charges for the consumer. I tried several times and was disconnected before I was able to speak to someone. They also have a long wait time to speak to a live person and say so in their automated message to discourage consumers from doing this. I finally spoke with customer service today ( XXXX ) at XXXX p.m. who confirmed this is the only way, and also asked to be transferred to a supervisor ( XXXX XXXX who also confirmed I must call every time to request this. This is absolutely unacceptable, as they obviously want to make it difficult for consumers to avoid interest while loudly advertising their " XXXX interest '' promo periods. IF they are requiring people to call in, they should have a dedicated line just for this purpose instead of a long phone tree, and you should be provided with confirmation of the payment going to the promotional balance immediately with a confirmation number instead of a verbal by a representative, saying you may receive confirmation in a few days.

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I received a collections letter from Target Credit Card regarding a balance and late fees. Upon review, I discovered this balance stemmed from a fraudulent charge on my account. Because I am enrolled in paperless billing, I did not receive a physical statement and was unaware of the fraudulent activity until XX/XX/year>. This fraudulent charge caused XXXX late fees to be assessed before I could detect and report it. I immediately contacted Target Card Services on XX/XX/year>, to report the fraud. I submitted all required documentation to the XXXX department and filed disputes with the credit bureaus regarding the inaccurate reporting. I was informed that both the unauthorized charge and the associated late fees would be reversed. However, only the fraudulent charge has been temporarily credited but the XXXX late fees associated with this fraud charge plus interest charges remain on my account and are showing as a balance due on XX/XX/year>. I have never had a late payment or any account issues prior to this fraudulent activity. I didnt have a prior balance prior to this fraudulent charge. These incorrect late fees are now negatively impacting my credit score. I am requesting the following immediate actions : Remove all late fees associated with this fraudulent charge or temporarily credit them while the investigation completes. Update all XXXX major credit bureaus ( XXXX XXXX XXXX ) to reflect that my account is current with no late payments. Provide written confirmation once these corrections have been made. This matter is causing significant damage to my credit profile through no fault of my own. Please resolve this urgently to prevent further harm to my credit standing. Thank you for your prompt attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 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: CO

Complaint narrative:
Ive been using XXXX for years and all of a sudden these past few months my account has been frozen for no apparent reason and Ive tried to verify my identity which I sent in and never got a response back or a authorization from XXXX themselves and I cant resend my identification verification anymore or nor can I access my funds, transfer my funds, or close my account. It just comes up with an error message when I try to access these features and when I tried to contact customer support the XXXX near XXXX times I did, I just got XXXX and non-helpful resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I disputed a collection account being reported by BULL CITY FINANCIAL SOLUTIONS associated with XXXX XXXX in the amount of approximately {$240.00}. I requested validation and supporting documentation for this alleged debt, including documentation showing I am legally responsible for the debt, proof of the balance claimed, documentation regarding the original utility account, and proof that the collection agency has authority to collect and report the account. Despite my dispute, the account continues to be reported to the consumer reporting agencies with dispute remarks stating consumer disputes this account information. However, I have not received sufficient documentation supporting the balance or collection activity. I believe the account is being reported and collected without proper verification or reasonable investigation. I am requesting a proper investigation and supporting documentation for this account, or deletion of the account from my credit reports if it can not be fully and accurately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am filing this as a new complaint about Citibank 's continued failure to provide unclaimed property documentation, related to but distinct from my earlier complaint ( Complaint ID : XXXX, closed XX/XX/year> ). In the prior complaint, I requested that Citibank provide documentation ( closing statements or escheatment records ) for my long-dormant deposit account, the proceeds of which Citibank itself remitted to a state controller 's office as unclaimed property approximately ten years after the account was opened. Citibank 's XX/XX/year> response was inadequate : it stated the company had " searched their database for accounts listed in your name, address and passport number '' but found none. This search used incorrect identifiers my account was opened in a different state about a decade ago, well before my current US passport was issued, and my current address was not on file. Citibank also did not search or address the escheatment record itself, which under regulatory requirements should be retained permanently regardless of the standard 10-year retention for active account records. On XX/XX/year>, I sent Citibank a detailed direct email ( replying to their Executive Response Unit ) explaining the search error, providing the correct historical opening address area, supporting evidence ( a physical Citibank debit card mailed by the company to that address ), and the state claim reference numbers. Citibank acknowledged receipt the same day but has not yet provided any substantive response. I respectfully request that Citibank : ( 1 ) conduct a thorough search using the correct historical address and other historical identifiers ; ( 2 ) confirm the escheatment record showing funds remitted to the state on my behalf; and ( 3 ) provide the documentation required by the state controller 's office to release the funds. Approximately six weeks have passed since I first contacted Citibank directly ( XX/XX/year> ). I am filing this new complaint to ensure a timely substantive response.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
We bought a XXXX XXXX explorer paid XXXX up front still owe over XXXX XXXX dollars on it. Did not have car for even XXXX hours it tore up. XXXX had us bring it back. Its been there almost XXXX weeks still not fixed. Said if can not fix they will put us in a different vehicle. We do not want to deal with this lot after this we just asked to get out of contract the next day but they refuse. This was bought from XXXX XXXX XXXX in XXXX XXXX we bought the car on XX/XX/XXXX and took it back to lot on XX/XX/XXXX and its been there ever since.

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 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
Repeated calls every day from random numbers, all calling from Ability Recovery Services. Told them to not call again, ignored.

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 2026-05-14 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: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
In XX/XX/year> our house suffered a flood. Our insurance company came out to assess and wrote us a check. We tried to cash the check but we're told we had to get our mortgage company to co-sign because of the amount. We have been back and forth with Lakeview for the last XXXX months. Every time we submit something we are told there's another thing we needed, even though every time we submit we ask the worker " are we good now? '' And they always say yes. In the meantime, we have decided since the flood to do a renovation to our home. The XXXX needs to be paid and we are demanding our check be signed and given back to us.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo representatives told me they could not help with an unauthorized ACH withdrawal because it involved a third party, which violates my consumer rights under federal Regulation E

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 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: PA

Complaint narrative:
On XX/XX/XXXX i requested : * The name and address of the original creditor * The current amount owed, including : * principal * interest * fees * late charges * An itemized accounting of the debt * The date the debt was incurred * The date of the last payment * Proof the collection company owns the debt or has authority to collect it * A copy of the original contract, agreement, or signed application if available * Proof the debt is within the statute of limitations for your state * Your name and address associated with the account * The account number ( usually partially redacted ) * A copy of any judgment if they claim there is one * Their debt collector license number if your state requires licensing Under the U.S. Fair Debt Collection Practices Act ( FDCPA ), i requested validation within 30 days of first written notice. After 45 days i received a copy of a leave. Nothing else was included. Debt has been failed to be validated. No invoice was sent, no contract showing ownership of the debt. After several disputes, my request has been repeatedly denied. I have lost out on a home purchase because of the negligence. I am respectfully requesting immediate removable from my credit report. Collection Agency IQ DATA XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$4100.00} Amount {$4100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I am filing a formal complaint against Current for unauthorized and predatory withdrawal practices regarding their " Paycheck Advance '' feature. On XX/XX/year>, the bank pulled a repayment of {$25.00} plus a {$4.00} " Instant Access Fee '' from my account without authorization and ahead of the scheduled repayment date. This withdrawal was not supposed to happen yet. The bank 's decision to pull these funds prematurelyand to take a " partial '' payment that wiped out my remaining balancehas left my account at- {$14.00}. This has caused immediate financial distress and prevented me from completing essential purchases. As an individual with a disability, these unexpected and aggressive banking tactics are especially overwhelming and have caused significant public distress and targeted hardship. The bank should not be allowed to arbitrarily decide when to pull funds, especially when it results in a negative balance and leaves the consumer with XXXX access to their money. Plus I cant even use the customer service because if you dont sign up for their {$10.00} a month they they wont allow you to use the chat option or talk to customer service but hey, like I said theyre allowed to discriminate against autistic boy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ID

Complaint narrative:
For the month of XXXX, I paid an extra {$500.00} onto my loans with the highest interest rate. My normal payment balance is XXXX. Last month I paid XXXX. My payment due for this month is showing up as {$97.00}. This is incorrect. I should be getting my usual bill of XXXX. The company can not answer why my extra {$500.00} was put towards this month. I have tried calling multiple times and emailing Mohela through their portal website but have not gotten an answer.

Company response to consumer: Untimely response