vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am disputing a balance on my XXXX XXXX Credit Card, which closed on XX/XX/year>. My {$110.00} security deposit was applied at closure, yet XXXX  claims an additional {$230.00} is owed due to post-closure interest. I requested a full itemized accounting showing all post closure transactions, interest or fees charged, documentation proving the charges were allowed under the cardholder agreement, and confirmation of how my security deposit was applied. As of now, XXXX has not provided this information. I am requesting that XXXX either validate the balance or correct the account, and ensure no inaccurate credit reporting occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I sent a {$400.00} payment through Chime XXXX Friends to an individual who was impersonating a legitimate service provider. This was an Authorized Push Payment scam involving impersonation and service fraud. The recipient used a false identity, removed contact information after receiving payment, and never delivered the promised service. 

I immediately reported the transaction to Chime as fraud and provided supporting documentation, including the contract, payment proof, and communication history. Despite this, Chime classified the dispute incorrectly as transfer not received instead of fraud/scam and denied my claim without providing investigation details or evidence of a proper fraud review. 

I requested escalation to the fraud/risk department, confirmation of recipient account review or flagging, and documentation supporting the denial. Chime did not provide this information and issued an automated final denial. 

This transaction was induced by deception and impersonation and should be handled under fraud protections. I am requesting that Chime reopen the investigation, properly classify this case as fraud/scam, review the recipient account for suspicious activity, and reimburse the {$400.00} loss caused by this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: NJ

Complaint narrative:
CHIME, opened a dispute of XXXX USD from XXXXXXXX that took place of XX/XX/2025, I answered all questions and provided images that may have helped them during the investigation. Be aware that XXXX has a refund policy of if your item was damaged or no longer working digitally or physically I may be eligible for a refund with the sites support system. The item in question was a digital item for a XXXX avatar, I later lost it due to being terminated for false reasons. However XXXX  support is not so great since its ran by XXXX  who will just ignore you completely, so I was no longer able to get that item back. then I requested a refund dispute with my bank CHIME. They opened a dispute then later closed it due to lack of evidence they even reached out to XXXX upon issue but they stated that nothing was suspicious about the transaction which was not my issue. My issue was me not being able to contact the seller, the person who sold me the item to initiate the refund instead, but their account was wiped off the site which I did find suspicious hence why I reached out to CHIME and XXXX  support for a refund. Both were denied and XXXX terribly upset because XXXX can not recover the virtual item and my money that I lost can not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
I'm a small business owner and I use a credit card processor by the name of XXXX, owned by U.S. Bank. I have had XXXX incidents where they have not honored their agreement with me, regarding monthly fees for XXXX and for U.SXXXX Bank. The XXXX  incident was when I signed up with XXXX at XXXX Bank and then U.S. Bank purchased XXXX XXXX. The XXXX  incident was with U.S. Bank XXXX after, they purchased XXXX XXXX. 
Both XXXX  and XXXX  time they've resolved the issue to my satisfaction. I have a contract that eliminates me from having to pay the monthly. Service fee to XXXX, the credit card processor and service fee to U.S. Bank for maintaining the account. 

In XXXX of XXXX, I again noticed that I was being charged both service fees without prior notification and I brought it to the attention of the US Bank XXXX and the XXXX XXXX. They resolved the problem by refunding the money. This would have been the second issue. I got an e-mail stating that they had XXXX the monthly fee and waived the {$40.00} bank fee. 

In XXXX of XXXX, I was preparing for my XXXX taxes and upon reviewing my credit card processor statements, I noted that I had been charged for all of XXXX. I did receive a letter telling me that I would be charged starting XXXX of XXXX. However, due to the e-mail and the conversations that took place in XXXX of XXXX, I was under the belief that I was not going to be charged the XXXX fees, until I received the XX/XX/XXXX notice. 

I never had a problem paying the credit card processing charge, that merchants pay to the processor. However, it's apparent that U.S. Bank used a bait and switch method to get me to believe I was not going to be charged the {$60.00} and {$40.00} fee. Only to find out that I had been for XXXX  months before I brought it to their attention. 

When I reach out to U.S. Bank and XXXX, they told me that the best thing you could do is give me a XXXX month credit. They told me that they had sent me a letter telling me that they were going to start charging me, which they did XXXX  months after I brought it to their attention in XXXX. I have attached an e-mail from the bank and XXXX XXXX which states they're disabling the credit card service charge and the bank service fee. Which apparently never happened. 

The Rep that I was dealing with sent me to someone else at XXXX Bank who sent me to someone else at XXXX Bank who kept doing that and they're offering me XXXX  months credit. Instead of {$1400.00} dollars they will only offer {$300.00}. I believe I have been unjustly charged, per the user agreement and attached e-mail. The original contract from XXXX shows that I shouldn't be charged anything for a monthly fee.

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I need an official account restriction/closure confirmation for my PayPal account XXXX 
The email originally associated with the account is permanently deleted and can not be accessed. 
My name is XXXX XXXX XXXX. 
My current email is XXXX. 
I verified my identity with PayPal support, but they refused to send the document to my current email and insisted on sending it to the deleted email address. 
The account is restricted and unusable, and I can not receive documents at the old email. 
I am requesting that PayPal provide the required documentation to my active email after identity verification. 
PayPal support has not provided a solution. 

- Name : XXXX XXXX XXXX - Email : XXXX - Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Reverse 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: Longbridge Financial, LLC
State: AZ

Complaint narrative:
I am the Personal Representative of the Estate of XXXX XXXX XXXX ( Probate Case XXXX ). This complaint concerns Longbridge XXXX, servicer of his HECM reverse mortgage ( Loan # XXXX, FHA Case # XXXX ) on the property at XXXX XXXX XXXX, XXXX, OR. 

XXXX and contacts with Longbridge : XX/XX/XXXX : XXXX passed away. 

XX/XX/XXXX : I notified Longbridge by phone that probate would be filed and that I would be the estate contact. 

XXXX XXXX : My attorney and I submitted all required documents ( Will, Death Certificate, Letters Testamentary, ID, insurance ) through Longbridges portal and by email. Longbridge confirmed receipt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XX/XX/XXXX : Probate was filed. Longbridge was notified. 

XXXX XXXX : Despite repeated communication, Longbridge continued sending notices addressed to the deceased borrower and to the vacant property instead of to me or my attorney. 

XX/XX/XXXX : Letters XXXX were issued. Longbridge was notified again. 

Foreclosure Mediation : I received a mediation packet, but the Oregon XXXX XXXX informed me I could not participate because Longbridge failed to list me as the Personal Representative. All documents were addressed only to the deceased borrower. 

XX/XX/XXXX : A Longbridge representative appeared at the property and told my spouse they had never heard from anyone regarding the estate, which was false. 

XX/XX/XXXX : After I emailed about their lack of response, I spoke with XXXX XXXX ( Longbridge rep ), who stated they had no record of any documents or communication, despite months of confirmations. 

XX/XX/XXXX : Longbridge filed a Notice of Default. 

XX/XX/XXXX : I received a Trustees Notice of Sale scheduling foreclosure for XX/XX/XXXX. 

XX/XX/XXXX : Longbridge denied my extension request, claiming lack of communication. 

Attempts to resolve the issue : Submitted all required documents multiple times Communicated via portal, email, and phone Attorney contacted Longbridge directly Requested extensions Attempted to participate in mediation but was excluded due to Longbridges failure to list me Longbridge repeatedly denied receiving documents, misaddressed notices, and escalated foreclosure improperly. 

Financial harm to the estate : Forced reduction in sale price : Listed at {$350000.00} Forced to accept {$320000.00} due to foreclosure pressure Loss : {$34000.00} Legal fees I had to pay due to wrongful foreclosure escalation : {$7500.00} Improper fees Longbridge charged on the payoff : Attorney fees : {$1000.00} Title fees : {$100.00} Inspection fees : {$30.00} Other foreclosurerelated charges included in the payoff Total improper fees : {$1100.00} Total documented financial loss : {$42000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Subject Complaint Merrill Lynch Obstruction of Spousal Rollover I am filing a formal complaint against Merrill Lynch for improper obstruction and delay of a lawful spousal rollover of a survivor retirement account. 
I am the surviving spouse and beneficiary of my late wife, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). I requested a direct trustee-to-trustee spousal rollover of her retirement account from Merrill Lynch to XXXX XXXX XXXX 
Merrill Lynch representatives have repeatedly : Refused or delayed processing the rollover Provided inconsistent and misleading information Refused to provide written policy documentation Declined to identify themselves or escalated supervision Placed me on excessive holds without resolution This conduct appears to be an intentional attempt to retain assets and obstruct beneficiary rights. I am requesting regulatory review and intervention.

I am seeking : Immediate cooperation with the spousal rollover Written clarification of XXXX XXXX policies Review of unprofessional and obstructive conduct Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX, Utah Phone : XXXX

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
I ask them to mail me the requested debt or whatever I owed and to stop contacting me!! And they wont they harassing me daily when THIS DEBT ISNT REAL NOR IS IG REALLY OWED TO THEM!! I need compensation for this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Block, Inc.
State: CO

Complaint narrative:
Unauthorized withdrawals were made, submitted claims to the cashapp company and were denied, filed a police report but they are asking for the address where the withdrawals were made, asked cash up about the information and they are saying they dont have that information. They denied claims and close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
There are two accounts opened in my name fraudulently with capitol one a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in my name I disputed it several times they wont remove it I never opened these accounts in my name never

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
XXXX XXXX, XX/XX/XXXX. Home address XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. Social security number is XXXX. 
I am asking for help with my mortgage company who funded my townhome on XX/XX/XXXX. 
My mortgage company is Shellpoint Mortgage, XXXX XXXX XXXX XXXX, SC XXXX. XXXX, fax XXXXXXXX XXXX 
I purchased this property XX/XX/XXXX and it was financed/mortgage through Shellpoint Mortgage. The original payment I signed to pay was {$2300.00}, with escrow. During the negotiations of purchasing the home, it came up that the property was on a flood plane and no bank would finance because of this possible liability. The seller set insurance through the HOA of the property, and they would be responsible for covering the flood insurance. At the time, Shellpoint was fine with them covering the flood insurance and the closing went through. The flood insurance through my HOA has never lapsed. 
In XXXX of XXXX, I received correspondence from Shellpoint that there was no flood insurance and if I did not provide them with proper flood insurance, they would place their own insurance. I sent them the HOA flood insurance, once more but they failed to recognize it and placed their own insurance which was double the cost and added to my monthly mortgage obligation. I have been doubly insured with flood insurance since XXXX of XXXX. I was never able to speak to the right person or have them recognize the HOA flood insurance. In XXXX of this year, they informed me that the escrow ( XXXX insurance ) was increasing by {$410.00}! That put my monthly mortgage to {$3300.00}. Originally the amount was {$2300.00}. When I called to find out what was going on, they simply stated that escrows go up. I have not been able to pay my mortgage since XXXX. I do not know what to do, I take care of my XXXX XXXX XXXX mother and I am frozen with fear. Is it legal to be doubly insured? 

XXXX XXXX, XX/XX/XXXX. Home address XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. Social security number is XXXX.

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 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: OH

Complaint narrative:
I have been contacting this company about our payments ever since we completed a XXXX XXXX program as of XX/XX/year>. We have been making full monthly payments abd every time we made a payment they end up saying were XXXX months behind. The payments were coming out of my husbands account monthly. The mortgage is {$1800.00} but my husband was paying between XXXX XXXX  {$2000.00}. If you review company complaints everyone of their ( Loancare ) has had the same complaint. How can they get away with this. We have a XXXX on file that shouldnt even exist. My husband made a complaint and was told to hold off on payment as of XX/XX/year> as if today no one has sent an email or a phone call.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
An account has been reported and collected in my name that originated while I was a minor. I did not have legal capacity to enter into a binding credit agreement at the time the account was allegedly opened. 

After discovering the account, I notified the company and disputed the debt, explaining that the obligation was unenforceable due to my age and requested validation and correction. Despite notice, the company continued collection activity and/or reporting without providing proper validation and without correcting the inaccurate information. 

This has resulted in inaccurate credit reporting, continued collection activity, and harm to my credit profile, including interference with my ability to obtain new credit. 

I provided documentation confirming my date of birth and have attempted to resolve the matter directly prior to filing this complaint. Deletion of the account alone does not address the violations that occurred. I am seeking correction of my credit record and resolution of the violations resulting from the continued collection and reporting of a void or unenforceable obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: NY

Complaint narrative:
Timeline Summary : Loan servicing transferred to Selene Finance, since XXXX, after which loss mitigation issues began. 
Multiple loss mitigation applications and supporting documentation were requested and submitted. 
Loss mitigation reviews were terminated or closed multiple times without adequate written explanation. 
Documentation was repeatedly requested despite already being submitted and explained A HUD-approved housing counseling agency was engaged with limited cooperation from Selene Finance.

While my loss mitigation application was active and under review, the loan was forwarded to foreclosure. 
Issues and Concerns : Repeated requests for documentation already submitted and acknowledged. 
Requests for inapplicable documentation, including XXXX paystubs or Profit & Loss statements for contracted or XXXX income. 
Termination or closure of loss mitigation reviews without clear or timely written explanation. 
Inconsistent guidance from representatives causing repeated resubmissions. 
Failure to properly review acceptable alternative documentation for self-employed and contractor income.

Failure to coordinate meanin
gfully with a HUD-approved housing counseling agency.

Ongoing misinformation regarding income verification requirements. 
Referral of the loan to foreclosure during an active loss mitigation review. 
Impact : Repeated delays in the loss mitigation process. 
Increased foreclosure risk despite cooperation. 
Unnecessary financial and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. After reviewing my report, I have identified multiple accounts and entries that I do not recognize, are reported inaccurately, or can not be properly verified.

Under the Fair Credit Reporting Act ( 15 U.S.C. {$1600.00} ), you are required to ensure maximum possible accuracy and to conduct a reasonable investigation of any disputed information. At this time, the items in question do not meet those standards. 
I am requesting that you conduct a full investigation and delete any accounts, payment histories, balances, or remarks that can not be fully verified and documented as accurate. 

XXXX Account # XXXX

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Company : PayPal Issue Type : Digital payments/ Payment app Amount : {$7600.00} What happened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A client of mine made authorized purchases through PayPal for these services. 

Subsequently, over 30 PayPal disputes were opened relating to these legitimate transactions. Despite my submission of evidence showing that services were provided and authorized, all disputes were ruled against me. 

Both myself and the buyer, contacted PayPal multiple times attempting to correct this error. My client explicitly confirmed to PayPal that : He made the purchases himself The transactions were authorized He received the services He requested that the disputed funds be returned to my account I am in possession of a recorded phone call in which my client speaks directly with PayPal representatives and asks them to reverse the disputes and return the funds to me. 

Despite this confirmation from the buyer and the evidence provided, PayPal : Failed to reverse the disputes Restricted my PayPal account Is now attempting to collect an alleged debt of {$7600.00}, which was created solely due to PayPals handling of these disputes

Company response to consumer: Closed with explanation