vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint against PayPal regarding dispute case XXXX XXXX On XX/XX/year>, I completed a transaction totaling {$2800.00} USD. A dispute was later opened for {$2700.00} USD. PayPal instructed me to return the merchandise to the address provided in the Resolution Center. I complied fully and shipped the item using a trackable shipping service. I submitted the tracking information as proof. The carrier attempted delivery ; however, the seller refused to accept the returned package. Despite providing proof of shipment and return attempt, PayPal ruled in favor of the seller and denied my refund. I believe this decision is unfair because I followed PayPals return instructions and provided documented evidence of the return. I respectfully request a review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
I am submitting this formal complaint regarding a debt collection account that is currently being reported on my credit file and has not been properly validated despite my request. I previously requested validation of this alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. The collection agency has failed to provide adequate documentation verifying the existence of the debt, the amount owed, or their legal authority to collect it. Despite this failure to validate the debt, the account continues to be reported to the credit reporting agencies. Reporting information that can not be verified is a violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2, which requires furnishers of information to provide accurate and verifiable information. Additionally, continuing collection activity without proper validation may constitute a violation of the Fair Debt Collection Practices Act. Because the company has failed to provide competent evidence supporting this alleged debt, I request the following : 1. Immediate investigation of this matter. 2. Removal of this account from all credit reporting agencies. 3. Written confirmation that the collection account has been deleted. If the company believes this debt is valid, they must provide complete documentation including the original contract, full payment history, and proof of legal assignment of the debt. I appreciate your assistance in ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zip Co US Inc.
State: NJ

Complaint narrative:
Date of Transaction : XX/XX/XXXX Amount Paid to Collection Agency ( Indebted ) on behalf of ZIP : {$190.00} Both Indebted and ZIP confirmed that my debt was fully paid and that my ZIP account balance would be cleared. Despite this, my ZIP account has remained on hold since XX/XX/XXXX for the same balance that was already settled. I have contacted both Indebted and ZIP multiple times, and ZIP has repeatedly emailed me stating that the issue was resolved. However, as of XX/XX/XXXX, my account is still on hold due to this balance. I need this matter resolved immediately. Either clear the balance from my ZIP account as previously agreed, or have the collection agency return my payment so I can pay ZIP directly and have the balance removed without further delay. I do not want this situation to result in any future collection activity or negative credit reporting for a debt that has already been paid. ZIP has acknowledged that the payment was valid and received, so I am requesting prompt correction of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
Multile attempts to reconcile issues and request info including contacting my XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX Account : XXXX Groups XXXX XXXX XXXX XXXX XXXX Payment History, Statements, Loan Accuracy and Payment Accuracy To Whom It May Concern, This is my fourth attempt to reconcile gaps and request for information associated with the referenced loan numbers. I am restating my requests. The attached spreadsheet and associated documents show gaps in loan balance and payments of nearly XXXX XXXX. Further, the payments being made against the loans combined with the continued transition to different payment platforms is resulting in loan balances going up rather than down. Please provide a complete history of all transactions including monthly statements itemizing payments, interest applied, loan balances due after each monthly transaction. This reconciliation should go back to XXXX of XXXX. Confirm the current payments made to XXXX and to Mohlea and the amount paid to principle and the amount remaining on interest. According to my repayment terms, the principle and interest is {$100000.00} for which {$50000.00} has been paid. My records indicate a payoff/balance due of {$53000.00}. Will an updated Promissory Note be initiated? I have attached all previous information including an updated spreadsheet of payment status and pending information from Mohlea.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I am filing this complaint regarding Global Lending Services LLC and a vehicle repossession that occurred while I was serving on XXXX XXXX in the United States military. The auto loan was entered into before my military service began, and I had made payments on the loan prior to entering XXXX XXXX. While I was in basic training, Global Lending Services repossessed the vehicle. Under the XXXX XXXX XXXX XXXX ( XXXX ), specifically 50 U.S.C. 3952, a creditor may not repossess a servicemembers motor vehicle during military service without first obtaining a court order when the loan was entered into prior to service and at least one payment was made before entering service. Recently, I received a letter from Global Lending Services offering a settlement opportunity. In that letter, the company asked me to voluntarily surrender the vehicle and waive my protections under the XXXX XXXX XXXX XXXX in exchange for crediting the remaining balance and removing the debt from my credit report. Because the repossession occurred while I was in basic training, I am concerned that the repossession may have occurred without the court order required under federal law. The fact that the lender is now requesting that I waive my SCRA protections years later raises serious concerns about whether the repossession complied with the XXXX XXXX XXXX XXXX. Additionally, the original email attachment containing the letter is no longer accessible from my email account. I am attaching a reconstructed copy reflecting the contents of the letter that was sent to me. I am requesting that the Consumer Financial Protection Bureau review this matter and determine whether Global Lending Services complied with the Servicemembers Civil Relief Act when the vehicle was repossessed. I am also requesting correction of any inaccurate credit reporting associated with this repossession and any other relief deemed appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Ive noticed since my mortgage has transitioned from Mr Cooper to Rocket Mortgage a fee of XXXX is being charged on the monthly payments. When I go to pay it has my payment amount the below that it showed the {$20.00} fee in addition to the mortgage amount. I tried to look to see what that fee is for and there is no explanation. I looked this up online it states Rocket Mortgage is or was involved in a class a too. Lawsuits for this same fee that Im being charged I believe this started within the last few months Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Credit cards ending in XXXX and XXXX. I am filing this formal complaint against Bank of America due to an unjustified and persistent restriction on my personal accounts and credit cards, which has remained unresolved despite my full compliance with their security protocols. I have been a loyal client for over XXXX years with an unblemished record. XXXX. Incident and Initial Technical Failure : On XXXX XXXX XXXX my cards were declined during online purchases. Upon contacting the bank, I discovered a discrepancy in their system : my primary contact number ( from which I was calling ) was not listed for SMS verification, and only a secondary emergency number was available. At that specific moment, my business partner, who holds that secondary line for emergencies while I am flying, was out of signal range. 2. Mistreatment and Retaliatory Actions : Once I regained access to the secondary number, I contacted Bank of America again. I was connected with a XXXX who displayed a highly unprofessional, disrespectful, and biased attitude. Despite explaining my situation as a corporate pilot currently stationed outside the XXXX, the representative became intrusive, questioning my physical location and the identity of my business partner in a manner irrelevant to banking security. When I requested to speak with a supervisor due to her hostile demeanor, this representative filed a " Security Report '' on my account. I have since been informed by other specialists that this report is the sole reason my accounts remain flagged for a " physical branch visit '' requirement. 3. Compliance with Verification Protocols : It is critical to note that in subsequent calls following the incident with the aforementioned representative, I have successfully passed all identity verification protocols. Bank of America has sent multiple SMS codes to my secondary number, and I have provided them correctly. Despite this successful verification, the bank refuses to lift the restriction on my personal credit cards, insisting on an in-person visit. 4. Financial Hardship and Lack of Resolution : As a corporate pilot working abroad, I can not visit a U.S. branch for at least another month. Bank of America is effectively denying me access to my financial tools based on the subjective and retaliatory report of a single employee, despite my identity being confirmed through their own authorized SMS channels. Furthermore, a promised follow-up call from a supervisor within XXXX hours never 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 non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Complaint Against : Fifth Third Bank Product : Vehicle Loan / Auto Installment Loan Loan Number : XXXX Issue : Payment processing error and inaccurate loan balance. I am filing this complaint because Fifth Third Bank has failed to properly account for multiple payments made toward my auto installment loan and has been unable to provide documentation explaining how those payments were processed. During XXXX, I made duplicate monthly payments toward my loan on several occasions. My personal bank statements confirm that these payments were successfully withdrawn from my account and transmitted to Fifth Third Bank. The duplicate payments occurred on the following dates : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX These represent XXXX additional payments made toward the loan. I went to a Fifth Third Bank branch in XXXX, XXXX to discuss the matter with the bank manager. XXXX indicated that he could see the duplicate payments in the system and requested that they be applied to the principal as they hadn't been applied. He said he would call me back but never did. I contacted the branch by phone XXXX weeks later to follow up but they didn't have any additional information for me. Another XXXX, I can't remember her name, said she would follow up with me in a day or XXXX. XXXX days later I was contacted by a woman named XXXX from the phone number XXXX on XX/XX/XXXX at approximately XXXX XXXX. XXXX indicated that she was a corporate representative for the bank. During that call I was told that all duplicate payments had been reversed back to my bank account. However, I explained that my bank records show only XXXX reversal transaction on XX/XX/XXXX, which occurred before the duplicate payments began and that no other credits were received per my bank statements. When I requested documentation of the alleged reversals, including dates and amounts, the representative stated that she could not see those numbers but claimed that the math checks out. No transaction-level documentation has been provided to support that claim. To date, Fifth Third Bank has not provided : A transaction-level payment history for the loan Documentation showing reversal transactions XXXX XXXX numbers or transaction identifiers for any alleged reversals An explanation of how the loan balance was calculated given these payments Because my bank statements show the funds leaving my account, I believe these payments were received but not properly credited to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for the Bilt Palladium Card and was denied the same day. The adverse action notice said the reason was too many inquiries. The notice also stated that the credit score used was XXXX. On XX/XX/XXXX, I emailed Bilt Card support and asked for a manual review because I believed the stated denial reason was inaccurate. In that email, I explained that the too many inquiries reason did not appear to match my credit history. I have no inquiries in the past XXXX months and only XXXX inquiries in XXXX. Bilt support acknowledged my request on XX/XX/XXXX, and said it was being reviewed. After that, I sent follow-up emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, asking whether my application would actually be reviewed and asking XXXX to re-review the application using the correct inquiry data. In my XX/XX/XXXX email, I specifically asked Bilt to re-review the application and confirm the outcome in writing because I believed the adverse action reason provided was not accurate. On XX/XX/XXXX, XXXX support responded that I was not approved, that they were unable to reconsider the application, and that I could apply again after 45 days. On XX/XX/XXXX, I replied and again told them that the reason code given to me was incorrect. After waiting more than XXXX days, I applied again on XX/XX/XXXX. I was denied again the same day. The second adverse action notice again listed too many inquiries as the reason for denial and again showed a credit score of XXXX. My complaint is that I repeatedly asked Bilt to investigate what I believe is an inaccurate denial reason, but I did not receive a meaningful review or explanation. Instead, I received a generic response that they could not reconsider the application, and then I was denied again for the same stated reason after the waiting period. I am asking for : 1 ) A substantive review of both denials 2 ) Confirmation of the actual principal reason or reasons for denial 3 ) Correction of any inaccurate adverse action reason that was provided to me 4 ) A written explanation of whether the company relied on inaccurate inquiry information in denying my applications 5 ) If inaccurate or improperly applied information was used in either denial, reconsideration of my application with the opportunity to be approved for the card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for and received a Wells Fargo Reflect Visa Card with an introductory balance transfer offer. I am unable to log on and establish an online account to access my balance transfer offer. I contacted customer service and they were unable to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Open sky {$500.00} Was successfully Removed All XXXX Credit bureau After Disputing it XXXX was placed Discharged Now Received Alert TransUnion Collections LVNV Funding LLC Claiming Debt {$1200.00} open XX/XX/XXXXXXXX Their information is inaccurate total I Never Received Any Letter, Calls Since 82 Days til XX/XX/XXXX from when LVNV funding LLC This Business believe is Violations has before can't provide My Signature Agreeing to pay with Them neither insurance Claim of debt, Purchase Agreement, Chain of Assignment am being harassed by LVNV funding LLC demand them Complete removal From reporting credit bureau has i not authorized nor giving it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing again regarding inaccurate information that continues to be reported on my credit report concerning my Regions Bank account. I previously submitted a formal dispute and provided an official letter from Regions Bank clearly confirming that my account has never been late and that there is no history of delinquency. Despite this documentation from the bank itself, two late payments are still being reported on my credit report. I have been a customer of Regions Bank for more than four years and have never had any late payments on this account. However, these two incorrect late payments continue to appear on my credit report, which is negatively affecting my credit score and financial reputation. The continued reporting of inaccurate information after it has been formally disputed and after official documentation has been provided may constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically the requirement to conduct a reasonable investigation. Therefore, I am requesting the immediate removal of the two inaccurate late payments reported on this account. If this information can not be properly verified with valid documentation, federal law requires that it be deleted immediately from my credit report. Additionally, I am formally requesting the Method of Verification used during your investigation, including : The name of the person who verified the information The department that conducted the verification The address and telephone number of the furnisher Copies of any documents used to verify the alleged late payments

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 2026-03-15 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: CITIBANK, N.A.
State: WI

Complaint narrative:
On Saturday, XX/XX/year>, at approx. XXXX, I was shopping at XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX While entering the store, I was approached by four males ( XXXX - ages XXXX ) who asked for a donation. They explained that they were raising donations for a dead family member. The males showed me a document with names of individuals who had already donated and I thought it was legit. They advised that the maximum donation someone could give is {$25.00}. I accepted to donate {$25.00} and the males presented a card reader. I used my Citi Credit card to make a {$25.00} donation. I entered the store and went about my day. At approximately XXXX, I received a notification on my phone of a {$2000.00} charge on my Citi credit card. I reviewed the charge and it showed that it came from an electrical sub-contractor. At no point did I hire an electrical sub-contractor that day. That day, I only used my Citi credit card for the {$25.00} donation. At no point did I give anyone permission or consent to defraud me and take {$2000.00} from my credit card. I provided my credit card to the individuals with the intent to donate {$25.00}. I am not sure who the individuals are and was unable to gather any more information from them. We did file a police report and this is a to my being investigated.

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 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received various text messages this month about overdue payment on an installment loan through Synchrony Bank. I have no such account with them at all. I check my credit report and see an attempt to take a loan via XXXX was done in XXXX. I have never applied for any such loan. I called Synchrony Bank and told them so and they claim they immediately closed the account and initiated an investigation. All XXXX major credit bureaus were contacted and I froze my accounts.

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