vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year>, I purchased XXXX XXXXXXXX XXXX  ( Order XXXX XXXXXXXX ) from XXXX. On XX/XX/year>, I returned all three phones in person at the XXXX store located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX, because they arrived scratched. XXXX issued refunds for XXXX XXXX XXXX  and XXXX XXXX  XXXX, but the XXXX XXXX XXXX  has not been refunded. 

Discover closed my dispute, citing evidence from XXXX as the reason. However, this evidence is invalid, as XXXX statement merely claims they did not receive the item. In reality, I physically returned all items, and I possess two printed in-store return receipts and a screenshot from XXXX system confirming that all three phones were returned. How XXXX handles their internal orders or returns is not my responsibility, as I fulfilled my duty by returning the item in person. 

Discover has requested that I provide additional evidence. I can not create evidence that does not exist ; I have already submitted all documentation reasonably available to me as a consumer, including receipts and screenshots proving the return of all items.

Over the past four months, I have contacted Discover and XXXX more than ten times without resolution. Despite providing clear and valid evidence of the completed return, Discover closed the dispute without properly investigating or considering the documentation I submitted.

I am requesting that Discover reopen the dispute, investigate properly, and issue the full refund of {$740.00} to my original payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WV

Complaint narrative:
I had inquired about a deferment for XXXX XXXX  because my wife was having a procedure and I was taking a short term lay off from work to assist her. I could have made the payment, but it would help if I could skip XXXX month. I was not 30 days late and had never been 30 days late on my loan. I was unknowingly put on some sort of program that was intended as a last resort for someone that was going to lose their home. I only found about this program when I tried to make my monthly payment online an it would not let me. I was told I had to call and make my payment via phone and I did so for several months. I made each payment on time and have my bank account statements to prove this. During this time I was reported XXXX, XXXX and XXXX  days late on my loan ruining my credit. Also, my interest rate went from 4 % to 7 %, I was never told any of this during any of the phone calls I made to Carrington. I never received any letters from Carrington showing I was late, and I only discovered this when I received a credit alert from one of my cards. I want to go back to my original loan of 4 % interest and I want the late payments removed from my credit report. I contacted Carrington and sent in a written request for this and was denied. It was reported that I made no payment during XXXX, XXXX or XX/XX/year>. Below I have included a screenshot of my bank statement showing the payments. I can provide an official statement from my bank if needed showing there were no payments missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
On or about XX/XX/year> a collections with XXXX XXXX XXXX XXXX was on my credit report saying that I owed {$5400.00} for services used on the account. I explained that I've never had an account with XXXX XXXX XXXX  and that it was some kind of mistake, or fraud involving my name. I contacted The XXXX  and filed a complaint I then contacted At & t asking them for the original contract with my signature on it. They never responded and never forward any documents to me instead a collection agency named XXXX XXXX XXXX was on my credit report as a collection. The collection was later removed from my credit file XXXX XXXX XXXX XXXX XXXXeaus.

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 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I looked at my credit report and noticed one collections account from a medical debt that I was never aware of. So I contacted the collections agency and I literally just found out about XXXX minutes ago that from the years XXXX, there are XXXX accounts totaling almost {$6000.00} that I quite literally never knew existed until tonight, XX/XX/2026. They apparently have not been reported to the credit bureaus yet. I was never once contacted by my old insurance company about these whatsoever. The collections company is sending out an itemized bill for each account. Thats actually ridiculous to not tell someone about MULTIPLE accounts that are now most likely already in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please see attached documents, I submitted these documents through the mail a few months back and did not get a response and consumer law was not followed. I have no knowledge of these accounts and have been involved in numerous data breaches throughout the past years. Under FCRA consumer law 605 B please remove these accounts within 4 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 non-monetary relief
Consumer complaint received 2026-01-13 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: Chime Inc.
State: NE

Complaint narrative:
On XX/XX/2026, I received a notification from Wave stating that a customer payment of {$2500.00} was successful and that I had got paid. Based on this confirmation, the payment appeared complete and available. 

After this confirmation, Wave placed a hold on my account and did not release the funds, preventing withdrawal. Additional documentation was requested after the payment was marked successful, despite the fact that I had already completed identity and tax-related verification and had been informed that I was approved for payments. 

Wave did not clearly communicate which documents were unacceptable or why previously submitted documentation was insufficient. I repeatedly requested clarification and emphasized that access to the funds was time-sensitive due to existing financial obligations, but responses were delayed and lacked specificity. 

As of XX/XX/2026, the funds remain inaccessible. The delay occurred after Waves own confirmation that payment was complete, creating a situation in which earned funds were unavailable for scheduled expenses and obligations. 

Waves post-payment hold, lack of clear disclosure, and inconsistent communication regarding documentation requirements have resulted in extended inability to access confirmed earnings. I am requesting review of Waves practices related to payment confirmation, fund holds, and transparency in account restrictions. 

The inability to access confirmed earnings for an extended period has had material consequences on my ability to meet existing financial commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: NY

Complaint narrative:
I have received an email of my account closure on XXXX XXXX and the email contained information such as how long my funds will be held which was stated to be at least 60 days. I was contempt with that even if my account was closed for no apparent reason. But on XXXX XXXX I received an email that they have wired all of the money in the account to a closed bank account I had on file. I did not initiate this transfer and I certainly did not approve such transfer knowing the account is closed. After emailing them and calling them numerous times I have received no response. This has become extremely frustrating and I see online that multiple people have had the same issues with this company with no solution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NY

Complaint narrative:
I have a Way2go Card and i am looking to retrieve statements for the past year on the card. Fro some reason i cant log in to the website via desktop. I can not get access to statements from the mobile app either. Nots ure why this keeps happening but it is very frustrating and looking for a solution sooner than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Inc.
State: SC

Complaint narrative:
I used my Chime debit card for a XXXX purchase and did not receive the merchandise. I filed a dispute and submitted all requested documentation. Chime denied provisional credit citing Regulation Z, which applies to credit cards, not debit card transactions.

During multiple support interactions, representatives refused to provide written confirmation of the regulation being applied and refused to escalate my request to a disputes supervisor. XXXX XXXX XXXXt was ended by a supervisor within XXXX minutes before I could explain my issue. 

I am requesting regulatory review, proper handling of my dispute under Regulation E, escalation to a disputes supervisor, and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc.
State: GU

Complaint narrative:
We paid a {$3000.00} medical bill in full on XX/XX/XXXX by credit card to XXXX XXXX XXXX XXXX via their medical billing company XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX has since reported our account to a debt collection agency, Cornerstone Credit Services , LLC. They assert that our account has an overdue balance of {$3000.00}. 

We have receipts of our paid transaction and have disputed the debt collection. 

Cornerstone Credit Services has since mailed documents to us showing that an unnamed credit card holder of credit card account XXXX disputed a transaction with XXXX XXXXXXXX XXXX XXXX in the amount of {$3000.00} on XX/XX/XXXX to XXXXXXXX XXXX for fraudulent charges. It appears that XXXX XXXXXXXX XXXX XXXX was then held liable for the amount of the transaction. 

This unfortunate event for XXXX XXXXXXXX XXXX XXXX has nothing to do with us or our account, which has been paid in full. We do not have, and never have had, a credit card with XXXX XXXX nor a credit card XXXX. We paid our {$3000.00} bill in full with a completely different credit card on XX/XX/XXXX. 

Furthermore, we have been customers of good standing to XXXX XXXXXXXX XXXX XXXX since XXXX. We make regular trips paying for airfare, hotel, and vehicle specifically for our son to visit his cardiologist at XXXX XXXXXXXX XXXX XXXX for check-ups. We are very dismayed that our character and credit are being affected by this, while additionally now needing to find another reputable cardiologist for our son. This has caused immense stress for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I sent my daughter XXXX {$5000.00} from my XXXX Bank checking account Via Venmo. That transaction went through, but all subsequent transaction attempts have been declined. Venmo suggested that I try another bank account or credit card, so I installed an XXXX XXXX Send app on Venmo and funded it. I tried to send another daughter {$940.00} that way, but it was also declined. I have spoken with two different Venmo agents about this issue. One said that my XXXX Bank set a limit on Venmo transactions, but that was not true. I spoke with my personal banker about it and he said there was no limit set by XXXX on any transactions. Another agent said that Venmos own security system had flagged the {$5000.00} transaction for review, but she was unable to tell me how long this so-called review would take. I side for documentation of this alleged review, but Ven, o refused to provide it. There is something definitely wrong here, and conflicting answers from Venmo are useless, and stories of bank limits are false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
I, XXXX XXXX received a loan with predatory finance charges that I can no longer pay! I have already paid the principal amount owed, which was {$1600.00}, now they are claiming that I owe $ XXXX dollars with nothing going towards the principal balance. The APR IS WELL OVER 200 % which is above the legal amount in Texas. I no longer wish to pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: DISCOVER BANK
State: IL

Complaint narrative:
Between XXXX and XX/XX/year>, my Discover card was charged repeatedly with small transactions adding up to approximately {$6000.00} at a couple of tobacco stores. The card was set up so that full balance is paid, each month. I was then trying to save for an XXXX XXXXXXXX, so I minimized all expenses and hardly used the card. When I noticed low balance in my checking account, I realized that large amounts were transferred to Discover. I contacted them to report transactions as fraudulent. They initially reversed the charges and told me they " will investigate ''. After couple of months, they reinstated all the charges and told me that I had to pay. When I asked them why they thought I owed this, despite their assurances that customers are not responsible for fraudulent transactions, the answer was that because I still had my card, someone in my household must have taken it from me and made the charges. My husband and my then XXXX XXXX XXXX son were the only people in my household. Neither of them could have or would have the reason to do that. When I protested, the representative assigned a high interest rate to the charges. They rejected the idea that someone had cloned my card. I had been making minimum payments, but they are becoming too much. I had been their customer for over 20 years, always paying my balance in full, but my history and my word do not seem to matter to the corporation. They just want the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
A collection account from CBE Group, allegedly associated with XXXX XXXX XXXX XXXX, suddenly appeared on my credit report. I was never contacted, billed, mailed, or otherwise notified of this alleged debt before it was reported. 

The reported information is internally inconsistent, inaccurate, and legally defective, including but not limited to : The account is reported as opened in XX/XX/year>, yet was immediately placed into collections The account reflects 120 days delinquent, which is impossible given the alleged opening date I have not opened any utility account with XXXX XXXX XXXXXXXX XXXX No validation notice was ever provided as required by law No opportunity to dispute was given prior to credit reporting This conduct violates multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1692g ( a ) failure to provide required validation notice 15 U.S.C. 1692e false, deceptive, or misleading representations 15 U.S.C. 1692f unfair collection practices 15 U.S.C. 1681s-2 ( a ) furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) failure to conduct a reasonable investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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:
CFPB Complaint Company : CashApp ( Block , Inc. ) Product : Investment Services/ Money Transfers Issue : Unauthorized stock sale without consent Description of the Problem : On XX/XX/XXXX, CashApp sold my shares of XXXX XXXX without my approval. This unauthorized transaction caused financial loss and significant emotional distress, nearly leading to an XXXX visit. CashApp failed to provide a satisfactory resolution, disregarding my dispute. In fact, never was I told I could submit a dispute. I found that on the internet. 

* * * Legal & Regulatory Violations 1. Electronic Fund Transfer Act ( EFTA ) / Regulation E Under 15U.S.C. 1693 et seq. and 12C.F.R. Part1005, CashApp is required to investigate and provisionally credit funds within 10 business days of an alleged unauthorized electronic fund transfer. The sale of stock even in an investment context may fall under this protection as a debit from my account without authorization. [ \ [ consumerfinance.gov\ ] ] ( XXXX XXXX XXXXconsumerfinance.govXXXX ), [ \ [ ncua.gov\ ] ] ( XXXX : //ncua.gov/XXXX ) * * * 2. SEC Rule10b-5 ( 17C.F.R. 240.10b-5 ) CashApps sale of my securities without my consent constitutes a deceptive practice in connection with the sale of a security, violating Rule10b-5, which prohibits employment of any device, scheme, or artifice to defraud in securities transactions. [ \ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * * 3. FINRA Rules Unauthorized Trading FINRA rules prohibit unauthorized trades in non-discretionary accounts, requiring prior written customer authorization per FINRA Rule 3260 and Rules 2510 ( b ) and 2020. Any sale in my account without written or verbal approval is a violation. [ \ [ XXXX  ] ] ( XXXX XXXX XXXX ), [ \ [ XXXX ] ] ( XXXX XXXX XXXXfinance/securities/unauthorized-trading/ ) * * * 4. CFPB Redress Authority ( 12U.S.C. 5565 ) CFPB is empowered to require refund of moneys, compensation for monetary relief, and payment of damages for violations of Federal consumer financial laws, including emotional harm. [ \ [ XXXX ] ] ( XXXX XXXX XXXX ) * * * Impact & Harm * Financial Loss : Value of stock sold plus lost market gains.

* Emotional Harm : Extreme stress, near XXXXlevel crisis.

* Time & Effort : Spent disputing the issue without resolution.

* * * Attachments * Screenshots of account history and unauthorized sale. 
* Payment or transaction logs. 
* Evidence of my dispute with CashApp. 
* Medical or other documentation of emotional distress ( if available ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have contacted the M & T Bank Escrow Department over and over again via email and phone to rereview my Consolidated Tax Bill for Tax Year XX/XX/XXXX to XX/XX/XXXX. 
During this review, I asked them to also recheck XXXX XXXX document in which there was XXXX bills sent : # XXXX XX/XX/XXXX to XX/XX/XXXX. ( Consolidated Tax Bill Dated XX/XX/XXXX ) SemiAnnual Payment : $ XXXX Annual Payment : XXXX # XXXX XXXX XXXX to XX/XX/XXXX ( Consolidated TB REVISED w/ XXXX dated XX/XX/XXXX ) SemiAnnual Payment : {$410.00} Annual Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX to XX/XX/XXXX ( Consolidated TB dated XX/XX/XXXX ) SemiAnnual Payment : {$650.00} Annual Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe their calculation are not correct as my Mortgage has increased by more than $ XXXX  monthly and is now {$1900.00}. I'm a senior citizen on a fixed income and can not settle for the calculation errors? 

The escrow department says I do not understand the calculations, I say they did not compute the math correctly. Therefore, I need you to take a look at this and ascertain whether I am wrong or right? I did my research and MT Bank has many complaints with similar situations as this. So, I see where I am going through some of the same complaints that I read about. I checked XXXX and XXXX M & T Escrow Bank Complaints with the Escrow Tax Department and was shocked what I read! My situation entirely!! Help please!

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