vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have an XXXX account for my business with Wells Fargo. It is designed to deposit larger amounts of monies ( aka settlement checks ) into the account and also large withdrawals as the checks deposit cover client monies and attorneys ' fees. It has never suffered an overdraft, and large sums of money have been deposited to it for the last XXXX years regularly. It has never been subject to a deposit hold. On XX/XX/year>, I deposited an {$80000.00} settlement check from one of the largest health insurance risk management companies in the state of Texas. Wells Fargo placed a hold pursuant to Regulation CC although dozens of check from this very company have been deposited in the past with no hold. The check was drawn on XXXX XXXX XXXX, and the money has been transferred from XXXX to Wells Fargo, but they still insisted in holding the money for seven ( 7 ) business days. I contacted them to request the hold to be released, and they refused with no justification as to why this particular check was subject to a Regulation CC hold for a large check while no holds have ever been placed on similar checks in the past over this long period. I was disappointed and dissatisfied in the explanation that the sole reason was the amount of the check with no further justification. I believe the hold became unjustified when the insurance company provided me their banking information by XX/XX/year> that the money had been completely withdrawn from their operating account and transferred to Wells Fargo. I asked if the hold could be released, and Wells Fargo not only declined to do so but refused to provide any reason why the hold would remain in place. This included two phone calls with the escalation team who provided no answers other than the size of the check triggered the hold.

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/XXXX I received and email stating that I owed XXXX to Synchrony Bank. I originally thought it was a scam email. I noticed it had personal information in it, so I called the bank. they verified an account and credit card had been opened under my name and social security number on XXXX XX/XX/year>. The Card was opened up with XXXX in Florida. Purchases were made in XXXX Florida. I live in Utah and have never been to Florida. I have filed a claim with XXXX and Synchrony Bank. That the card was opened fraudulently along with all the purchases.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Complaint Against PayPal Unauthorized Transactions Not Properly Investigated I am filing a complaint regarding PayPals handling of unauthorized transactions on my account totaling {$12000.00}. I reported that my account was compromised. An unknown individual accessed my account, added themselves, and made multiple withdrawals. I did not authorize any of these transactions and have never interacted with this person. A police report has been filed and supporting documentation was provided to PayPal. PayPal has denied my claim multiple times, but their reasoning has been inconsistent : In one response, they stated the transactions were personal payments and therefore not covered. In other responses, they claim there were no signs of account takeover based solely on a consistent IP address. These explanations contradict each other and fail to address the core issue of unauthorized access. A consistent IP address does not rule out account compromise, especially when access to my computer was obtained. PayPal has ignored : The unauthorized addition of a new individual to my account The abnormal pattern and volume of transactions My account history showing this is not normal behavior The police report and evidence submitted PayPal appears to be misclassifying fraud as authorized activity without a thorough investigation. I am requesting : A full and proper fraud investigation Reimbursement of the unauthorized transactions A detailed explanation of how this activity was determined to be authorized

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
" I deposited a {$280.00} check on XX/XX/XXXX. The bank acknowledged XX/XX/XXXX as the banking day of deposit. Under Regulation CC, I should have had access to {$270.00} on XX/XX/XXXX. It is now Friday, XX/XX/XXXX, and the bank is still refusing to release funds without providing a legal Notice of Hold or a valid reason for the delay. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
I am writing to formally dispute an inaccurate late payment reported on my credit report for XX/XX/year>2025 by Self Financial , Inc. / Lead Bank. This late payment is incorrect and does not reflect my actual payment history. I have maintained my account in good standing, and I believe this reporting may be due to an error or prior issues involving unauthorized use of my personal information. I respectfully request a full investigation into this matter and the immediate removal of the false late payment from my credit report. Please provide written confirmation once the correction has been made. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
someone hacked into my cash app account, changed my email and my pin number and then transferred {$400.00} to themselves thru my bank account that was connected to cash app. on the morning of XX/XX/XXXX at XXXX XXXX cash app sent a text saying an unknown device has logged into my account. Well they logged in at XXXX and had already logged me out and transferred the money. I then immediately blocked the person on cash app and while doing that they tried to take another {$400.00} but it didnt go thru because i had blocked them, they had unsuccessfully tried to get {$200.00} as well. My bank is XXXX XXXX Bank and i did dispute the charges with my bank and cash app. Cash app denied the claim saying that the charges appear to be authorized this person took my email out and put theirs in as XXXX .. this email alone is suspcious. Cash app also said that the location was in XXXX and i live in XXXX i have no connections to this person at all. I have a pin on my cash app and i believe my pin was compromised from me using my card at the gas pump on XXXX evening at XXXX in XXXX XXXX XXXX... i have all documentation etc ... Cash app allowed the transaction and inspite of them sending an alert and not giving time for me to respond. they sent the alert XXXX after the scammer logged me out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Schreiber Law LLC
State: CT

Complaint narrative:
XX/XX/year> : Currently paying off a debt from my account that I receive my XXXX payments for XXXX XXXXXXXX XX/XX/year> : Trying to collect another debt by XXXX XXXX telling me from SCHREIBER Law , LLC that they will to sue me & it will remain on my credit card. Theres a lot of pressure to pay them I feel very stressed out, I have XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am filing a complaint regarding a cashback promotion offered through my PayPal account that directly influenced a significant purchase, but was not honored despite my full compliance with all visible requirements. On XX/XX/year>, I manually saved a 20 % cashback offer for XXXX within my PayPal account and received a confirmation email from PayPal acknowledging that the offer had been successfully saved. On XX/XX/year>, I initiated my purchase by clicking the XXXX XXXX provided by PayPal ( including from a PayPal reminder email encouraging me to use the offer ). I then completed a {$5300.00} transaction for a travel booking ( Transaction ID : XXXX, merchant listed as XXXX XXXX, via XXXX ). During the entire checkout process, the 20 % cashback indicator was visibly displayed, including on the final purchase confirmation page. I have screenshots documenting this, which I provided to PayPal. The offer terms indicated that cashback may take up to 14 days to appear. After that period passed with no reward issued, I contacted PayPal. Since then, I have spent weeks attempting to resolve this issue, including : -- Multiple detailed email exchanges -- Submission of screenshots and documentation -- Multiple phone calls across different departments, including being transferred repeatedly, disconnected, and ultimately told conflicting information PayPal has now denied the cashback and provided inconsistent and contradictory explanations, including : -- Claiming the offer was not saved to my account ( despite their own confirmation email ) -- Claiming the purchase was not completed within an active Shop session, despite me initiating the purchase through their tracked link and seeing the cashback indicator throughout checkout -- Introducing additional vague conditions after the fact, without clear evidence or documentation At no point during the purchase process was I informed that : -- The session was inactive -- The offer was not properly applied -- Or that I needed to take additional steps beyond those clearly presented From a consumer perspective, I followed all required steps and was given multiple real-time confirmations that the offer was active and tracking. This purchase was non-refundable, and the 20 % cashback ( over {$1000.00} ) was a material factor in my decision to proceed. I am concerned that PayPal is : -- Presenting promotional incentives in a way that reasonably leads consumers to believe they are being applied -- Failing to properly track or honor those incentives -- Providing unclear and shifting explanations after the fact -- Placing the burden on the consumer for backend tracking failures outside of their control If this experience is not isolated, it raises broader concerns about potentially misleading promotional practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My current loan is with XXXX, and I started my refinance application to refinance the same loan with them on XX/XX/XXXX. During the process I got full approval on XX/XX/XXXX, and agreed on a closing date of XXXX. Now the closing has been canceled three times ( XXXX, XXXX, XX/XX/XXXX ), every time until the last minute either when they told me the title company has " traffic congestion '', or the notary said they didn't get the file. I didn't get any updates on when or how I should wire the fund to close, nor any updates until they canceled on my last minute. So starting the second time, before each deadline of closing, I kept calling the loan officer and processor, also called the title company multiple times. I got conflicting information all the time : Since I could't directly talk to the closing department ( in XXXX ), it's only the loan processor relaying the messages, and kept telling me everything is on schedule ; However when I called the title company, they told me they haven't received the final documents from the loan company, even before the date of the closing. So one of them must be lying, but I couldn't be sure which one. After I got the third cancelation last night ( XXXX ) from the title company saying that they still don't have the files, I decided to file this complaint and seek for resolution because I've lost hope that XXXX can resolve this for me in a timely manner. There's XXXX more thing that added to my struggle : I live in California and the property is in Georgia, and Georgia requires an additional ( second ) witness to sign the closing documents with the notary ( serving as the first witness ). I had to manage my friend 's schedule to appear at my house, and canceled on them XXXX times in a row. This also has cost a lot of disruptions to my daily work schedule and work items.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
A purchase attempt was made on XXXX XX/XX/year> at XXXX using my Sezzle Anywhere card. The purchase failed due to a register error and was marked as aborted on the register. However the charge for {$300.00} was marked as Pending with Sezzle, I contacted Sezzle immediately and was told that as a pending transaction it would be released in 7 days and to reach out via email if it was not. I was never released and I was still charged. I reached out via email and after 2 weeks of back and forth they told me there was not enough information to show that the transaction was aborted, even after providing the aborted receipt from the register. I took up the issue with XXXX, however they confirmed that no money was exchanged on their end since the transaction was aborted. Sezzle has continued to charge me and I have so far paid {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.

Complaint narrative:
b'RE: \nCIT Bank, A Div Of First Citizens\nXXXX XXXX XXXX XXXX XXXX CA XXXXnhttps://www.cit.com/XXXX XXXX\nHello,\n\nDue to the changed phone number, to update my phone number, I contacted the bank multiple times via phone call as the bank is an online bank.\n\nBelow are my account information.\nAccount number ending in XXXXDeposit amount: appx XXXX\nUser id : XXXXPasswords: beginning with XXXX\nPrevious phone number: ending in XXXX\n\nI know my user id and passwords, but as my phone number has changed I cannot access the bank website. The website requires additional verification only via phone message.\n\nI called the bank on\n: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: and others.\n\nAs bank requested, to update my phone number, I sent my copy of driver license, and new phone number via email on XXXX XXXX XXXX, and XXXX XXXX XXXX respectfully:\XXXX OR\nXXXXnThe bank has never responded.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding a serious issue with my Self XXXX XXXX XXXX account. A balance of {$3000.00} was charged and/or reported on a card that was never physically sent to me, never received by me, and never used by me. I was never given possession of the card and therefore had no ability to access, spend, or benefit from these funds. Despite this, Self has now closed my account and informed me that I am no longer allowed to use their services. At the same time, the {$3000.00} balance is being reported to XXXX under my credit profile, causing harm to my credit history and financial standing. This makes absolutely no sense, as I was never able to use the card or the funds in the first place. I contacted customer service by phone seeking assistance and clarification, but no meaningful help was provided. I am disputing this balance in full as unauthorized, inaccurate, and improperly reported. The bank associated with these people are Lead bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX account that has been reported on my credit report as a collection account with a balance of {$920.00}. I am disputing this account because I did not open, authorize, or agree to this account. The account is listed with the following details : - Creditor : XXXX XXXX - Account Opened : XX/XX/year> - Balance : {$920.00} - Status : Collection Account I have reason to believe this account was opened without my knowledge or authorization. I have not signed any contract, nor have I used any services associated with this account. I previously requested validation of this debt, but I have not received sufficient proof that I am legally responsible. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that the company provide verifiable documentation bearing my signature that proves I authorized this account. If XXXX XXXX or any associated collection agency can not provide this documentation, I am requesting that this account be immediately removed from all credit reporting agencies. This inaccurate reporting is negatively affecting my credit and financial standing. I am requesting a full investigation and prompt resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Chronology of Events Banking Relations : In XX/XX/year>, I received notice that my checking account ( ending in XXXX ) and savings account ( ending in XXXX ) would be closed effective XX/XX/year>, citing general terms and conditions without specific cause. Credit Facilities : In XX/XX/year>, the following credit accounts were terminated without prior notification or justification : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Shop Your Way ( XXXX ) Financial Discrepancy : Several of the aforementioned accounts carry annual fees for which no prorated refunds have been issued to date. Legal Grounds and Regulatory Non-Compliance Under the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 12 CFR 1002.9 ), creditors are required to provide a statement of specific reasons for adverse actions. The vague " terms and conditions '' explanation provided in your previous correspondence fails to meet the threshold of transparency required by federal law. Furthermore, these closures have had a deleterious impact on my professional standing. As a regional Finance Head, I was recently informed by my CFO that my name appears on an internal Citibank " blacklist, '' resulting in the denial of my status as an authorized approver for corporate banking matters with Citibank XXXX. Notice of Potential Liability The arbitrary nature of these closures and the subsequent professional blacklisting have caused significant damage to my reputation and career trajectory. Absent a legitimate, evidence-based justification for these actions, your institution may be liable for : 1. Defamation and Libel : Regarding the dissemination of " blacklist '' status to my employer. 2. Breach of Contract : Regarding the summary closure of accounts and retention of annual fees. XXXX. Violations of Due Process : Regarding the failure to provide statutory notice.

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 2026-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M/I Homes, Inc.
State: TX

Complaint narrative:
I am currently in the process of purchasing a home with financing through M/I Financial, the preferred lender for M/I Homes. I am formally requesting that my loan file be escalated immediately due to ongoing delays, lack of transparency, and inconsistent communication that are preventing me from closing on my home. For several weeks, both myself and my realtor have made repeated attempts to move this file forward. I have been told verbally what underwriting conditions are required and have promptly submitted all requested documentation. However, I have not been provided with a complete or written list of underwriting conditions, nor have I received clear confirmation of which items have been satisfied versus what remains outstanding. Instead, I continue to receive inconsistent and changing information. For example, I was previously advised that my file would not be delayed into the weekend, but I was later told that turnaround times would be XXXX hours. This contradiction has caused confusion and has made it extremely difficult to plan around my contractual closing deadline. Additionally, I have not been given a clear or accurate update on the status of my file, including whether it is currently in processing or underwriting, or how close it is to receiving a clear to close. I am being asked to provide documentation without transparency into what is actually required or how my file is being reviewed. This ongoing lack of communication and organization is unacceptable and is now placing my home purchase at risk. I am working within a strict deadline and need immediate clarity and action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The company provided documentation ; however, the information being reported is inaccurate. The account references bankruptcy-related status, but I have never filed for bankruptcy. This is incorrect and misleading information being reported on my credit file. Additionally, this account dates back to 2017 and is near or beyond the allowable reporting period. I am requesting that this account be fully investigated and either corrected to reflect accurate information or removed entirely from all credit reporting agencies, including XXXX XXXX, and XXXX. I also request written confirmation once this issue has been resolved.

Company response to consumer: Closed with explanation