vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman Sachs Bank USA ( Marcus ) has restricted my Online Savings account ( ending XXXX ) and is refusing to release my balance of approximately {$15000.00}. I requested a transfer to my personal checking account, which is linked and held in my own name, and the transfer was refused. The bank has not provided a written reason for the restriction, has not told me whether the account is under review or being closed, and has not given me any date by which I will be able to access my own money. I am a net depositor on this account my deposits over the statement history substantially exceed my withdrawals and these are my personal funds. I have asked the bank directly for the reason and for a release date and received no clear answer. I am asking the bank to ( 1 ) state in writing the specific reason my funds are being withheld, ( 2 ) provide a firm date for release of my full balance, and ( 3 ) release my funds to my linked personal checking account. I am not disputing any specific transaction ; I am being denied access to my own money with no explanation or timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
In tax year XXXX, I received an incorrect 1099-R tax form due to a miscoding error made by Wells Fargo when transferring my 401 ( k ) QDRO account to Principal Financial. I am the alternate payee on a QDRO account that originated through AG Processing ( AGP ). Wells Fargo transferred this account to Principal Financial and they removed the QDRO alternate payee designation. This caused my 1099-R to be issued with an incorrect Code 1 instead of the correct Code 2, resulting in {$6800.00} in early withdrawal penalties I never should have owed. Principal Financial identified the error in XX/XX/XXXX and confirmed in recorded phone calls that the mistake originated with Wells Fargo during the transfer. Principal issued corrected 1099-Rs for XXXX and XXXX but can not correct XXXX because it is past the IRS three-year XXXX through no fault of mine. I only discovered this error in XX/XX/XXXX. I contacted Wells Fargo 's executive office directly. A case was opened ( case number XXXX ) and I was assigned a representative named XXXX XXXX I was told I would receive a callback within XXXX business days. It has now been over XXXX week with no response despite multiple calls and voicemails. I was also sent a secure XXXX email from the XXXX office that I was never able to access because the one-time passcode system failed to deliver the code. Wells Fargo 's error cost me {$6800.00} in penalties I never should have owed. I am requesting that Wells Fargo reimburse me {$6800.00} for the financial harm caused directly by their miscoding error.

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX, I applied for an automobile loan with PenFed and received an email notification that I had been prequalified. On XX/XX/XXXX, I was advised to upload documents including an identification and social security card. I was also informed by a gentlemen in PenFed Security that I did not need to upload a utility bill because the address that appeared on my PenFed profile and the credit application were the same, and my address was last updated and had not changed since XXXX. This representative stated that he would make a note on the account stating this fact. I spoke with this gentlemen XX/XX/XXXX between XXXX XXXX and XXXX XXXX XXXX. I then uploaded the driver 's license and social security card multiple times. The first time I was informed that the documents were blurred and then I was told that the background could not be white. I then uploaded the documents again. This time, despite being told it was not necessary to upload the utility bill, I received an email from the XXXX XXXX, XXXX XXXX, stating " In order for us to complete the verification of your address, please upload the most recent utility bill in full within the last XXXX days. Utility bill must show your name, physical services address, and that its a current utility. '' This is contrary to what I had been told by another representative earlier. I explained to the representative that I did not have a utility bill to upload. Subsequently, I received multiple emails requesting Driver 's License, utility bill dated within the past XXXX days, or current vehicle registration, current, non-expired U.S. government-issued ID, such as a driver 's license or passport, and Social Security Number . The Driver 's License and Social Security card were uploaded more than 9 times. Despite uploading these documents, and being advised that a utility bill was not needed, members of PenFed continued to request the same documents over and over again - to no end. Based on these series of events, I was prevented from moving forward with and participating in the loan process in a timely manner.

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 2026-06-11 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: Paypal Holdings, Inc
State: KY

Complaint narrative:
I am filing a formal complaint regarding an Electronic Fund Transfer ( ACH ) error totaling {$2500.00} that was pulled from my XXXX XXXX checking account on XX/XX/2026 without proper consumer authorization or prompt confirmation. My PayPal profile is strictly established to utilize interest-free credit lines for major transactions. When booking an accommodation via XXXX, PayPal utilized a deceptive backend " Pre-Approved Billing Agreement '' to automatically alter my primary funding source without presenting a checkout prompt or authorization screen. They routed the transaction as a direct bank ACH pull rather than my contractually expected credit line. XXXX XXXX XXXX subsequently denied my dispute under the blanket claim that the transaction was " authorized. '' However, under Regulation E, a consumer must be given clear disclosure and choice regarding electronic fund transfers. A merchant can not utilize hidden billing profiles to bypass credit selections and directly access a consumer 's cash reserves without a specific transaction-level prompt. Furthermore, the underlying merchant failed to provide a habitable service, delivering an environmental biohazard ( toxic mold ) that required immediate emergency evacuation for physical safety. I am demanding that XXXX XXXX XXXX and PayPal review the electronic authorization logs, recognize the systemic checkout failure that allowed an unprompted ACH draw of thousands of dollars, and reverse this unauthorized transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
We hired XXXX to provide a bouncey house for our twins birthday party. https : XXXX They showed up with the wrong bouncey house we ordered which was for a luau themed party. They then tried saying the one they brought was better. It had a water slide on it and the birthday party invitations said nothing about bringing a bathing suit. On top of that it was filthy. Covered in bird XXXX and a salamander came out of it and was in our yard. In addition we had rented chairs that were rusted and filthy. We called to have the bouncey house removed from our property. They refused to come take it back until the following morning. Then yelled at my wife that she was wrong and everything was fine. It was never used and we had the party without their product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Madison Management Services, LLC
State: CA

Complaint narrative:
I am requesting assistance obtaining basic servicing information and verification for a HELOC secured by my property at XXXX XXXX XXXX. I have not received any statements, notices, tax documents, or account information for more than a decade, and I have never been able to access the loan through any online portal. I received no communication from any servicer during this entire period. In 2024, a Notice of Default was recorded by SBS Trust Deed Network without any prior contact, statements, or access to account information. This was the first communication I had received in many years. I attempted to follow the current servicers instructions ( Madison Management Services ) to access my account, but the portal never worked and I still can not view any information about the loan. Because there has been no communication or servicing activity for such a long period, I am requesting verification of who, if anyone, currently has lawful authority to service or enforce this loan. I am also requesting a complete servicing history, all servicing transfer records, and documentation showing that each entity involved had legal capacity to transfer or act on the loan at the time they did so. I am simply trying to understand the status of this loan and who is authorized to handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I submitted my monthly mortgage payment of {$2300.00} via ACH direct payment through my bank. The payment was both authorized and posted on XX/XX/year>. My bank records confirm the funds left my account and the transaction was never reversed. There is no NSF fee, no returned payment, and no reversal credit in my bank records. LoanCare 's own transaction history shows " Payment Received- Thank You '' on XX/XX/year> for this same amount. Despite this, LoanCare is claiming my payment was returned due to insufficient funds and is reporting my account as past due. When I contacted LoanCare and provided my bank documentation proving the payment cleared, they reviewed the matter and maintained their position that funds were insufficient, which is factually inaccurate. I have provided LoanCare with my bank 's ACH confirmation showing the payment posted successfully, the ACH ID number matching my loan, and the transaction ID. LoanCare has refused to correct my account status, remove the erroneous past-due designation, or provide any documentation supporting their claim of a returned payment. I am requesting the CFPB require LoanCare to provide documentation of the alleged returned payment, correct my account status immediately, remove any late fees assessed as a result of this error, and confirm no negative credit reporting has occurred

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a XXXX card on XX/XX/XXXX, under a promotional offer to double all cash back earned during the first XXXX days OR the first XXXX billing periods, whichever is longer. XXXX terminated the promotion on XX/XX/XXXX, citing XXXX days from account opening. However, my first billing period did not begin until XX/XX/XXXX meaning XXXX full billing periods would not conclude until approximately XX/XX/XXXX, which is later than the XXXX cutoff. Under the plain terms of the promotion ( whichever is longer ), the promotional period should have extended through XXXX XXXX. When I contacted XXXX to raise this discrepancy, they refused to extend the promotion or compensate me for cash back earned after XX/XX/XXXX that should have been doubled. This appears to be a deceptive practice advertising whichever is longer while applying only the shorter of the XXXX measures in practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am submitting this report against Jefferson Capital Systems for reporting an inaccurate collection account on my credit report for {$1800.00}, which is severely harming my credit score. I do not recognize this alleged rent debt, I never entered into a rental agreement or contract with the original creditor/landlord associated with this account, and this debt does not belong to me. Jefferson Capital Systems has failed to provide strict physical proof of an executed contract bearing my signature or proof of identity tying me to this liability. Reporting unverified, fraudulent data violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The assertion does not accurately reflect the governance framework and monitoring standards I uphold, despite my demonstrated dedication to responsibility and ethical performance.

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 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Company : Freedom Mortgage Corporation Issue : Mortgage Servicing Loss Mitigation / Forbearance / Loan Modification Handling ( VA Loan ) Complaint Narrative : We are filing this complaint regarding the handling of our mortgage account and loss mitigation process on a VA-backed loan. We fell behind on our mortgage approximately one year ago. At the outset, we were informed that we may qualify for a loan modification. However, after entering the loss mitigation process, our account was instead placed into a continuous cycle of forbearance periods and repeated reapplications for loss mitigation review. We have not signed any written forbearance agreement. All discussions regarding forbearance occurred verbally by phone, and no executed agreement has been provided. Each time a forbearance period ends, the account is not moved toward a final modification decision. Instead, we are placed back into a new loss mitigation review cycle. This has resulted in an ongoing loop without resolution or a permanent repayment option being offered or finalized. We were also informed that a title issue is preventing approval of a permanent modification. The servicer referenced a judgment lien ; however, this lien does not belong to us. It appears to be an identity error involving another individual with the same first and last name. Documentation was provided to the servicer showing this discrepancy, but the issue continues to be cited without supporting explanation or documentation. We have not been provided with sufficient information regarding the basis for denial, the alleged title defect, or the reason a permanent loss mitigation option can not be completed. As a result, we remain in an unresolved servicing cycle without a final determination or clear path forward.

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 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Received email : The new statement for your Wells Fargo personal line of credit WF LOC # XXXX is now available to view online. To view your statement : Sign on to Statements and Documents. Went to portal on XXXX, received error message : " The system is temporarily unavailable. Please try again later. '' I tried every day from XXXX to XXXX. Logged into phone app and when I down loaded the pdf document I received an error message Format error : not a PDF or corrupted, see attached copy of error message. I tried this everyday from XXXX to XXXX, same error message. I called Wells Fargo and spent over an hour on the phone transferred several time call disconnected 3 times no one was able to figure out issue between loan servicing and online account servicing. XXXX to XXXX, XXXX, XXXX, and XXXX. Was basically told they could not email me a statement, they would have to send the statement via XXXX. I explained I am signed up for electronic statements and that is what I want. They said I would have to go to a XXXX and have them print me an invoice. I would be charged a fee to mail or have printed in the branch. Now I no why Wells Fargo has multiple complaints and paid billion in fines for horrible customer service. When will you start providing customer service. This should have only been a XXXX minute call at he most not over an hour on calls and no resolution.

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 2026-06-11 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
Complaint against BLACKHAWK network holdings Impossible to submit a dispute. There is a XXXX fraud charge and the company is impossible to reach. I tried calling, several times and no one answers. This is a fraud charge. I need the charge removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
XXXX said they refunded me {$140.00} for a package i never got. contacted chime bank since i used them to make the purchase. i disputed it and literally sent them numerous pictures of XXXX saying these were refunded you {$140.00} you should get it XXXX business days. there is no refund to my chime card and they now denied the dispute twice despite it clearly saying i shouldve been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) for predatory billing and subscription traps, and against PayPal for enabling merchant fraud. The merchant utilizes a deceptive {$1.00} trial advertisement for a single item ( a sketch ) to hiddenly enroll consumers in a recurring {$49.00} annual subscription without clear, conspicuous consent. When I disputed the unauthorized {$49.00} charge, PayPal 's automated system instantly sided with the merchant. A PayPal representative named XXXX then explicitly instructed me in writing to file a dispute with my bank. I followed PayPal 's corporate directive and my bank rightfully reversed the charge. PayPal has now penalized me by placing a negative balance of {$49.00} on my account, defending a documented online scam layout. I request regulatory intervention to audit this merchant and compel PayPal to waive the predatory negative balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
Reference to debt colloctor response to complaint XXXX, the Debt collector has failed to submit the proof for ownership of account. The document submitted does not bear my signature and the payment history does not include payment made my ACH or Debit card with account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
There was wage garnishment that was collected that settled the debt. XXXX claims that the never received the payment from my employer, which was through XXXX. This is the second and final payment that needed to be made to satisfy the debt. They are trying to collect again on my next pay period, but do owe any more money.

Company response to consumer: Closed with explanation