vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 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: BILL.COM, LLC
State: MD

Complaint narrative:
I am filing this complaint regarding BILLs refusal to allow withdrawal of available funds from our business account. As shown in our account dashboard, we have an available balance of {$2000.00}. The platform clearly provides a Withdraw funds option and allows us to select a linked bank account to initiate the transfer. However, every attempt to withdraw these funds results in a system error stating There was an error withdrawing funds, and the transaction can not be completed. At the same time, the account is marked as temporarily frozen, and customer support has stated that they are unable to initiate or process refunds on their end. Instead, they directed us to withdraw the funds ourselves using the platform tools which are not functioning. This creates a contradictory and misleading situation where : - The platform displays funds as available - The platform provides a withdrawal function - But access to the funds is effectively blocked We have made multiple attempts to resolve this through customer support but have not received any effective solution. As of now, our funds remain inaccessible despite being clearly labeled as available in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: OH

Complaint narrative:
I am disputing a loan associated with services from XXXX XXXX XXXX, as the account is inaccurate and has not been properly validated. There are multiple unresolved issues : Mismatch in amount financed My receipt shows a total of {$1900.00}, however the loan reflects a higher financed amount of {$2100.00}. I was later informed by the provider that a setup fee was added that was not disclosed on my receipt or clearly agreed to at the time of purchase. Services not fully rendered - my receipt clearly states that I had XXXX visits remaining under this membership. These services were never completed. Provider is now closed- XXXX XXXX XXXX XXXX no longer operating. As a result, the remaining services can not be fulfilled, yet I am still being held responsible for the full loan amount. Failure to provide sufficient documentation - the company previously denied my dispute citing insufficient documentation, yet has not provided itemized proof of services rendered, proof of completion, or documentation showing I agreed to additional fees. Inability to access account records - account statements and documents that were previously available in my online portal are no longer accessible, limiting my ability to verify the accuracy of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Fair Collection & Out XXXX XXXX XXXX XXXX, MD XXXX Re : Formal Debt Validation Request & Credit Report Dispute To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This letter serves as notice that I dispute this debt in its entirety. I am requesting that you provide competent evidence that I have a legal obligation to pay this debt. Specifically, please provide the following : The name and address of the original creditor. The full account number associated with the alleged debt. A complete payment history, including all charges, fees, and credits. A copy of the original signed contract or agreement bearing my signature. Documentation showing you have legal authority to collect on this debt ( including assignment or purchase agreement ). Proof that the debt is within the applicable statute of limitations. Verification that the amount being reported is accurate and not inflated with unauthorized fees. Under the FDCPA, you are required to cease collection activities until you provide proper validation of the debt. Additionally, under the FCRA, you are required to report accurate and verifiable information to consumer reporting agencies. If you can not validate this debt, you must : Immediately cease reporting this account to all credit bureaus, including XXXX XXXX and XXXX ; and Request deletion of any negative tradelines associated with this account. Failure to comply with these federal laws may constitute violations of the FDCPA and FCRA, and I reserve the right to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau and my State Attorney General. Please note that I prefer all communication regarding this matter to be in writing. This is not a refusal to pay, but a notice that your claim is disputed and must be validated. Sincerely, [ Your Full Name ]

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint regarding unfair and misleading monthly maintenance fees charged on my account by Citibank. When I opened my account, I was clearly informed by a Citibank representative that the monthly service fee would only be charged if my balance fell below {$1500.00}. I relied on this information when deciding to open and maintain this account. However, I was later charged monthly fees for approximately XXXX months. These charges were unexpected and inconsistent with what was originally explained to me at the time of account opening. I believe I was misinformed or not properly informed of the actual fee requirements. I contacted Citibank customer service to resolve this issue. While they refunded only XXXX months of fees as a courtesy, they refused to refund the remaining charges. This partial refund suggests that even Citibank acknowledges there may have been an issue, yet they declined to fully correct it. I am requesting a full refund of all improperly charged monthly fees, as these fees resulted from misleading or incomplete information provided at account opening. Had I been correctly informed, I would have taken steps to avoid these charges or chosen a different account.

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 monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding the inaccurate credit reporting of my mortgage account with United Wholesale Mortgage ( Acct : XXXX ). UWM is currently reporting multiple late payments and delinquency statuses that I believe are inaccurate and not properly supported by a reasonable investigation. Specifically, UWM claims that a XX/XX/year> payment was reversed and reposted, resulting in a XXXX late payment. However, I have not been provided with full documentation showing how this payment was processed, why it was reversed, or whether it was properly credited once resubmitted. Additionally, my loan entered into a modification and trial payment plan. During this period, UWM continued to report delinquency statuses without clearly demonstrating how the reporting complies with applicable guidelines governing mortgage servicing and credit reporting. I have requested documentation supporting the reporting of these late payments, including a full payment history, posting dates, and servicing notes, but have not been provided with sufficient evidence to verify the accuracy of the reporting. Given the inconsistencies and lack of complete documentation, I believe the reporting is inaccurate or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: GA

Complaint narrative:
I moved out of the state of XXXX in XXXX of XXXX, apparently there was a serving of court papers to my old address in XX/XX/XXXX from a debt collector. I didnt find out about the default judgment until XX/XX/XXXX. I was not properly served and my bank account was Garnished on XX/XX/XXXX in the amount of {$3100.00} due to this judgement. I filed a motion with the XXXX XXXX XXXX XXXX in the state of XXXX on XX/XX/XXXX to set aside default judgment and to quash/stay garnishment under pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And ask for return of wrongfully Garnish funds.The action was taken by blitt and Gaines , P.C . XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have not heard any response back from this company in regards to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Nelnet on my student loan account ( Account XXXX ). In XX/XX/year>, I proactively took steps to avoid delinquency by requesting deferment and forbearance. These were approved and applied to my account as follows : - Deferment ( XXXX XXXX ) : XX/XX/year> - XX/XX/year> - Forbearance ( XXXX XXXX and XXXX ) : XX/XX/year> Despite these approved statuses, Nelnet reported a late payment to the credit bureaus, causing significant damage to my credit profile, including a drop of over XXXX points in my XXXX score. I previously disputed this directly with Nelnet and provided supporting documentation. However, Nelnet responded by stating that the forbearance was applied after the delinquency occurred and refused to correct the reporting. This response is insufficient and does not address the core issue. My account was placed into approved deferment/forbearance, and any continued reporting of delinquency after these approvals is inaccurate and misleading. Additionally, Nelnet failed to conduct a reasonable investigation and instead issued a generic response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
" A scam is a fraudulent, dishonest, or deceptive scheme designed to cheat individuals or organizations out of money, personal information, or something of value. Often, these illegal tricks involved building trust before exploiting victims ... '' XXXX XXXX XXXX WHAT is YOUR defi of a scam????????? PLEASE, refund me the {$4500.00} paid to XXXX XXXX XXXX!!!!! Stop playing!!!! THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Its regards a check that was deposited into my account that was given as pay to my girlfriend at that time. She asked to deposit it and it came back as fraud I called Bank of America to inform that she was my girlfriend and I was just trying to help her cash it since she stated she couldnt deposit it to her account cause she had lost her card

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 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I made a full payment of {$1900.00} to my CareCredit account on XX/XX/year>. I received a confirmation email from CareCredit on XX/XX/year> that my payment had been submitted. The payment cleared my bank on XX/XX/year>. I received an email from CareCredit saying that my payment had been processed. After I received the confirmation email, I checked my account on the CareCredit website on XX/XX/year>. My online account said that I had no payment due and that I had {$2000.00} credit available at that time. Today, when I checked my account online, it says I have {$3.00} due and I have {$8.00} credit available. As of today, my available credit has not been restored, and my card is being declined. When I contacted CareCredit, they stated there is a hold on my account but could not explain why. This is preventing me from using my account for an urgent veterinary medical expense. I asked CareCredit to restore my available credit immediately and asked repeatedly why theres was a hold. The customer service agent could not give any explanation and told me it would take two weeks for my payment to be processed. When pressed, the customer service agent said the hold had something to do with money laundering. The payment I made on XX/XX/year> paid off my account balance in full. However, since that payment was made, CareCredit charged me interest on the balance that I paid off.

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 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I am filing this complaint against my lender my rate for escrow mismanagement and failure to investigate a Notice of Error ( NOE ). On XX/XX/XXXX, the lender claims to have disbursed property taxes to XXXX XXXX. However, the XXXX XXXX XXXX XXXX confirms that {$0.00} was received for my parcel. It appears the payment was sent to an incorrect Property ID or misapplied. On XX/XX/XXXX, I refinanced my home and was forced to pay the delinquent XXXX taxes plus penalties because the previous lender 's payment never surfaced. Upon sending an NOE to the lender, XXXX XXXX responded on XX/XX/XXXX stating " no error occurred '' but refused to provide the Parcel ID used or a copy of the cleared check, claiming they " can not validate '' the account now that it is paid in full. The lender is in violation of RESPA/Regulation X for failing to properly account for escrow funds and failing to provide supporting documentation for their determination of no error. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a debt collection account reported by PROFESSIONAL DEBT ME under account number XXXX. This account, with a reported balance of {$330.00}, is currently listed on my credit reports with XXXX XXXX and XXXX and is negatively impacting my credit scores, which are currently XXXX, XXXX, and XXXX, respectively. I have consistently maintained that this debt is not mine. I have no knowledge of any account that would result in this collection attempt. I have taken several steps to resolve this issue, including filing disputes on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Each time, the dispute was returned with an automated response stating that the details were verified as accurate. However, I have not received any substantial evidence from PROFESSIONAL DEBT ME proving that this debt is mine or any original documentation that ties me to this account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and expect that the credit reporting agencies will conduct a reasonable investigation into my claims. The presence of this erroneous collection account has caused significant harm to my financial standing. It has lowered my credit scores, thereby affecting my ability to secure favorable terms on loans and other financial products, which is crucial for my financial planning and stability. I am requesting the complete removal of this account from all three credit bureaus : XXXX XXXX and XXXX. Furthermore, I ask that PROFESSIONAL DEBT ME cease any further collection attempts and provide written confirmation of the account 's removal from my credit reports. I believe this resolution is fair and warranted given the circumstances and my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello CFPB, And XXXX team I'm victim of scam And XXXX never protect my money. XXXX close my dispute, the says my account not takeover/compromised, but I'm says This is not a account takeover issue.It is under my control.But someone got my card information, CVC and billing address, and misused it. It's a XXXX debit card compromise issues I think that's the reason.for debit card compromise XXXX possible reasons could be that my email was hacked but I got it back. There was a picture of my debit card and billing address saved in XXXX XXXX.He can get this information from XXXX XXXXAnother reason is that I wanted to buy a XXXX-related accessory from a man on XXXX, which was worth $ XXXXThen he sent me a payment link to receive his payment. I then entered my card 's billing address, card number, and everything there. When I went to process the payment, the payment failed. Then the person asked me if I had a balance in my account. I simply told him how many dollars I had in my account.Then I saw that he deleted our conversation, I thought maybe he wouldn't sell his product to me.I didn't pay any attention to this anymore and didn't check my account. When I checked my account later, I saw that many dollars had been charged from my account through XXXX.I didn't know that transactions could be appealed. When I talked to a friend about this, he said, " Who did I talk to about customer support and they opened a disputeA few days later, I found out that they had rejected my complaint.Yesterday, when I met that friend again, he asked me to file a complaint with the CFPB. I am complaining here as my friend said, hoping for good results.my lost amount : {$340.00} approx Here transaction datils, {$33.00}, {$91.00}, {$20.00}, {$100.00}, and {$99.00} dollers please refund my dollar with full investigation. My XXXX account details First Name : XXXX Last Name : XXXX XXXX : XXXX Email : XXXX Kindly note : I don't have XXXX account ( I'm never use XXXX ) my card compromised. So I request fully refund my Lost money.im fully responsible with XXXX and cfpb. Otherwise I'll go small Claim cort.I will take back my rights. I am no longer XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Complaint Against : XXXX XXXX XXXX / Hayt , Hayt & Landau , P.L . Complaint Summary : I am filing a formal complaint regarding an alleged debt being collected by Hayt , Hayt & Landau , P.L . on behalf of XXXX XXXX XXXX. I dispute this debt in its entirety due to improper handling of secured collateral and failure to provide legally required documentation. The account appears to be tied to a vehicle that was surrendered and/or repossessed. However, I was never provided with proper documentation regarding the disposition of the collateral. Specifically : - I did not receive notice of sale or disposition of the vehicle- I was not provided an accounting of how the vehicle was sold or how proceeds were applied - The creditor appears to still retain control of the vehicle title without providing proof of lawful transfer - No deficiency calculation has been properly explained or validated Despite these major deficiencies, I am now being pursued for a balance of approximately {$11000.00}. This raises serious concerns regarding violations of : - The Fair Debt Collection Practices Act ( FDCPA ) - State laws governing repossession and disposition of collateral - UCC Article 9 ( secured transactions ), including failure to provide proper notice and accounting I have formally requested validation of this debt, including all documentation related to the collateral, but have not received sufficient proof. -- - What I want : - Full validation of the debt, including all required documentation - Proof of lawful repossession and sale of the collateral - Full accounting of how the alleged balance was calculated - If this can not be provided, immediate cessation of collection and removal from my credit report -- - Additional Information : This situation is causing financial hardship and stress. I am prepared to pursue further legal action if this matter is not resolved properly. -- - Preferred Resolution : Investigation and removal of the debt if proper documentation can not be provided.

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 2026-03-25 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: GA

Complaint narrative:
This is the dispute letter sent I am responding to your recent communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety and request that you provide proper validation. Specifically, please provide : The name and address of the original creditor The original account number A copy of the signed agreement bearing my signature A complete payment history showing how the amount you claim is owed was calculated Proof that your company is legally authorized to collect in my state Documentation showing you have been assigned or purchased this debt Until you provide the requested documentation, you must cease collection efforts and reporting to any credit reporting agencies. If this account is currently being reported to any credit bureau, please note that reporting inaccurate or unverified information may constitute a violation of the Fair Credit Reporting Act ( FCRA ). If you can not provide proper validation, I expect this account to be deleted and collection efforts to cease immediately. All future communication regarding this matter must be in writing. Sincerely,

Company response to consumer: Closed with explanation