vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
When I filed XXXX XXXX bankruptcy in XXXX, the lender, PennyMac, outsourced their communications with me to a third-party law firm. At that time, I noticed the law firm sent a {$950.00} bill to the trustee, which was never paid and I assume disallowed. I never defaulted on my mortgage payment throughout the payment plan and was never thirty days late. When notice was sent out to creditors in XX/XX/XXXX that my XXXX XXXX bankruptcy payment plan was satisfactorily completed, PennyMac 's law firm sent another notice indicating {$950.00} was due. 

Now that the bankruptcy is discharged, a fee of {$880.00} appears on my statement when I pay my monthly mortgage payment. I've sent a few messages to PennyMac ; however, it is apparent that no one actually reads my messages as they keep telling me to contact my bankruptcy attorney ( which is no longer applicable ). 

As a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've researched FHA 's servicing requirements and attorney 's fees are only applicable if a loan has defaulted. I was never in default. PennyMac 's elected to outsource communication. It is their responsibility to pay the attorney 's fees. 

FYI : Please note that PennyMac never charged me a late fee during the months I paid my mortgage after the XXXX of the month during the XXXX XXXX payment period. So, if they respond and state the {$880.00} is now accumulated late charges, that is incorrect. I always paid any late fee appearing online when making my mortgage payment. Their failure to post a late fee is also their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX was transferred from our saving sacct to our checking acct and then on XX/XX/XXXX, XXXX separate bill payments were set up for {$7000.00} each, thus stealing XXXX out of our account. 

I called sofi XX/XX/XXXX as soon as I saw the fraud in my acct. It took 3 separate calls over 6 hours to even get them to successfully file a complaint. After the 3rd call, I began to revieve spam texts and calls from an unknown person trying to gain aaccess to my acct and an email froms ofi suggesting I call amex, and ask them to return the stolen money ( but i don't have an amex acct ). 

On the 4th call, a representative said he could simply recall the bill pays that were set up and the money would be returned. That was 5 days ago and we see no change in our acct, the money is not returned and we continue to be told by SOFI to contact XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
My bank mailed payments to Fidelity Credit Card on XX/XX/year> and XX/XX/year>. Neither of these Bank Checks were deposited by Fidelity Credit Card Services. This has not been a problem during the 10+ years that my bank has mailed payments to Fidelity Credit Card Services . My bank also mails payments to my second credit card, which have been deposited by the credit card company. Fidelity Credit Card Services has certainly stopped accepting payments by mail.

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 2026-02-15 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I reported fraud, they stated that the merchant doesnt want to refund the money, so the bank is refusing to refund the money even though the bank is required under federal law to handle any reports of fraudulent transactions per the Fair Credit Billing Act ( FCBA ). The bank states that they are not responsible for providing the burden of proof and that the merchant gets the final say on whether they refund for fraudulent charges or not. The bank claims that they dont do chargebacks and they are not responsible for doing so if the merchant refuses to refund.

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 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern, ( prior follow up XXXX ) This letter serves as a formal demand regarding Bank of Americas admitted accounting errors, prolonged inaccurate credit reporting, and resulting financial and credit harm. Although Bank of America acknowledged its error and applied missing reward credits in XX/XX/year>, the errors were repeated, material, and harmful. Bank of America issued inaccurate statements, failed to correct known errors for approximately six months, furnished inaccurate information to all three credit bureaus, assessed interest and fees based on inaccurate data, and reduced my credit limit from approximately {$17000.00} to {$700.00} in XX/XX/year> based on misleading and unsupported information. As a direct and foreseeable result, my credit score declined by approximately XXXX points ( from over XXXX in XX/XX/year> to approximately XXXX in XX/XX/year> ), my access to credit was severely restricted, and I suffered financial and reputational harm conservatively valued at approximately {$20000.00}. 
Due to this history, I do not trust Bank of Americas accounting as it relates to my account and require written verification and remediation. I am demanding : ( 1 ) a complete written reconciliation confirming any outstanding balance and identifying all interest and fees assessed based on inaccurate or disputed information, with confirmation that no balance remains attributable to Bank of Americas errors ; ( 2 ) written confirmation that XXXX, XXXX, and XXXX were notified of these errors, including dates and specific corrections made, and confirmation that all inaccurate or derogatory reporting has been removed ; and ( 3 ) restoration or reevaluation of my credit limit without reliance on inaccurate data, along with compensation in the amount of {$20000.00}. If these matters are not resolved in writing within a reasonable timeframe, I am prepared to pursue all available remedies, though resolution without further escalation is preferred. 
Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing a XXXX XXXX  monthly service fee. I was informed by a Citibank agent that a " {$250.00} XXXX transfer ' would satisfy the waiver requirement. I followed these instructions and completed a transfer, but was still charged because the agent failed to specify the transfer had to be incoming. I acted in good faith based on the bank 's own representative 's advice. When I called to resolve this, the CS representatives could not reverse the fee and closing my account is the only recourse available.

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 2026-02-15 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: PA

Complaint narrative:
LVNV FUNDING LLC Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter serves as formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act that you are to immediately cease and desist all communication with me regarding the above-referenced alleged debt. 
I am exercising my rights under federal law to demand that you stop all contact with me, including but not limited to telephone calls, emails, text messages, and written correspondence. 
Furthermore, if you are reporting this alleged debt to any consumer reporting agency, including but not limited to XXXX XXXX XXXX XXXX you must ensure that any information furnished is complete, accurate, and verifiable. If you can not validate this debt and continue reporting it, such reporting may constitute a violation of federal law.

If you choose to invoke any specified remedy, including legal action, you may notify me in writing as permitted under 15 U.S.C. 1692c ( c ) ( 2 ). Otherwise, you are to cease all further communication immediately. 
Failure to comply with this request will be documented and may result in complaints filed with the appropriate regulatory authorities and pursuit of all available remedies under federal and state law. 
This letter is not an acknowledgment of liability for the alleged debt, nor is it a refusal to pay, but a notice that your contact must cease pursuant to federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is with Citi against my strata card.In XX/XX/XXXX I was sold an insurance policy that I did not request nor could use for my car by XXXX XXXX in XXXX, CA. I was charged {$250.00}. I needed a policy that would cover my XXXX XXXX XXXX however I was sold a policy that did not cover my car. I called XXXX and spoke with a XXXX or XXXX who asked if I would like to get the right policy however I declined as it was substantially more expensive. So she canceled the policy she sold me. I asked when I would be refunded the money I had paid and she said that the insurance company XXXX XXXX would be issuing me a check. However XXXX XXXX sent me a bill instead. I disputed the charge since I was sold the wrong policy with Citi yet they said I received the service I paid for even though it is blatant that I was sold a policy that did not cover my car, hence the wrong insurance policy. I have a previous complaint against Citi where they did not even investigate the dispute and found me responsible even though it was a double charge. Now citi has once again thrown my account into over the limit in an attempt I can only assume is to accrue fees. This needs to be addressed as the discrepancies of late have been quite clear yet Citi is holding its cardholders responsible for merchant errors.

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 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Date : XX/XX/year> To : American Express Re : Account Billing During Active Dispute UDAAP Violation Notice To Whom It May Concern, I am writing to formally notify you that American Express is engaging in unfair and deceptive practices by continuing to bill me on an account that is currently under dispute and frozen. 

The account was placed into dispute status, and during this time you have continued to assess charges, balances, or obligations. Billing a consumer while a dispute is pending especially where access to the account is restricted is improper and may constitute a violation of federal consumerprotection laws, including : 12 U.S.C. 5531 & 5536 ( UDAAP unfair, deceptive, or abusive acts or practices ) 15 U.S.C. 1666 ( Fair Credit Billing Act dispute procedures ) 15 U.S.C. 1681s2 ( duty to report accurate information ) When an account is under investigation, the creditor must pause collection activity on the disputed portion until the matter is resolved. Continuing to bill or pressure payment while simultaneously restricting account use is both unfair and misleading. 

Accordingly, I demand the following : 1. Immediate suspension of all billing and collection activity on the disputed amount 2. Written confirmation that the account will not accrue penalties, interest, or negative reporting during the investigation 3. Correction of any reporting already made while the dispute is pending 4. Written explanation of your legal basis, if any, for billing during a frozen dispute status If this matter is not corrected promptly, I will escalate the issue through formal complaints with the Consumer Financial Protection Bureau and other appropriate regulators. 

I expect written confirmation of correction within 15 days. 

Sincerely, XXXX XXXX XXXX XXXX Representative ( esigned )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
Formal Request for Contract Termination and Loan Cancellation Due to Breach of Contract. 

To Whom It May Concern : I hereby formally request the immediate cancellation of my solar service contract and the associated loan with GoodLeap, due to a substantial breach of the agreed-upon terms. 

My request is based on the following points : Failure to Fulfill the Purpose of the Contract : The system was purchased under the contractual promise of reducing/eliminating my energy costs. I am currently paying full electricity bills to XXXX XXXX plus the loan payment, which negates the economic benefit that was the basis of this agreement. 
Deceptive Advertising and Predatory Practices : The projected savings have not been achieved. Under South Carolina consumer protection laws and the FTC 's " Holder Rule, '' the lender is liable for the seller 's omissions and false representations. 

Lack of Resolution : I have exhausted all customer service channels with the supplier ( XXXX XXXX XXXX ) and with GoodLeap without obtaining a real technical or financial solution. 

I demand the following : Full cancellation of the debt with GoodLeap without penalty. 
Removal of the equipment from my property at XXXX XXXX XXXX, XXXX, SC XXXX, by the installation company. 
Repair of the roof to its original condition after removal. 
Refund of payments made for a system that has not fulfilled its promised function. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing a complaint regarding PayPals permanent deactivation of my personal consumer account without providing a specific or substantiated reason. 

My account was used strictly for legitimate personal purchases. I do not operate a business, do not sell goods or services, and have never processed payments for others. I have no history of fraud, disputes, or policy violations on the platform. 

PayPal has repeatedly stated that my account presents a high level of risk and that the decision is in accordance with their User Agreement. However, they refuse to identify any specific conduct, transaction, or policy violation that would justify permanent termination. 

Mind you I am a decorated Veteran with an XXXX XXXX XXXX XXXXXXXX in the governemnt. 

Their responses contain factual inconsistencies, including incorrect dates and references to business activity that do not apply to my account. This suggests the decision may be based on inaccurate data, automated risk modeling errors, mistaken identity, or account misclassification. 

I have requested clarification and offered to complete any additional identity verification required. PayPal has refused to provide further explanation and has indicated they may not respond to further communication. 

As a consumer, I am requesting : Confirmation of whether this determination was based on automated decision-making. 
Confirmation that no inaccurate or third-party data was used in error. 
A fair and accurate re-review of my account as a personal consumer account. 

I am not seeking proprietary fraud methodology. I am seeking confirmation that my permanent exclusion from a major payment network is not based on incorrect information. 

I request regulatory review of PayPals handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am filing a complaint regarding Ally Banks failure to remit funds owed to me after closing my account. 

Ally Bank closed my account and informed me that a final balance check for over {$250.00} would be mailed to me. I never received that check. It has now been nearly XXXX year, and I still have not received my funds. 

Because the account is closed, I no longer have the ability to log in to Allys system or access secure messaging. Despite this, the funds remain unreturned. I have made reasonable attempts to resolve this matter, but I am unable to recover my money without Allys cooperation. 

I am requesting that Ally Bank : Investigate the missing disbursement Place a stop payment on any uncashed check Reissue the funds immediately by check or electronic transfer I am requesting CFPB assistance to ensure Ally Bank fulfills its obligation to return my account balance.

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 2026-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I received a phone call and an email by cashapp asking if I tried logging in on a new phone, which was an XXXX in Illinois. Im in XXXX indiana. I was asked by cashapps automated system to enter the 6 digit code that was sent by text to secure my cashapp. So I did. Immediately after, I got on my cashapp and locked my card and changed my pin just in case. And it said any pending transactions wont go through. Well, 2 transactions came out. 1 for {$390.00} & one for {$460.00}. All my money was taken, unauthorized. It was fraud/scammed. The cashapp number was the real number but a scammer must have used cashapps number to get in my account. I don't know how the scammer got my name, cashapp, or phone number. I disputed both transactions immediately and was denied. Also, the scammer kept trying to withdraw money from my bank account that is tied to cashapp. There's at least 5 tries of withdraws that didnt go through. That should've been a red flag to cashapp. I appealed the denial. Now waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have student loans through Nelnet. I have applied and been approved for XXXX. XXXX qualifying payments I made last year are not showing up on XXXX website. I contacted Nelnet via email XXXX times and on the phone XXXX times to ask them to send the information to XXXX. Every time I contact Nelnet, they say they are " looking into my problem ''. All I need is for Nelnet to send proof that I made payments ( which I did ) from XXXX, XXXX and XXXX of 2025. It has been over a month, and they still have not forwarded the information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Commercial Services, Inc
State: IN

Complaint narrative:
am disputing an alleged debt of {$34000.00} referenced in a letter dated XX/XX/2026 from National Commercial Services regarding XXXX XXXX XXXX. 

I do not recognize this debt and have not been provided documentation proving that I owe this amount. 

I am requesting full validation of this debt, including : A copy of the original contract bearing my signature A complete itemized breakdown of the amount claimed Proof the collector has legal authority to collect Documentation showing how this balance was calculated Until proper validation is provided, this debt should not be reported to credit bureaus or pursued further. Or remove from database

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/year> I paid the settlement amount of XXXX to Midland Credit Management for the account XXXX XXXX Bank. For paid to removal and I noticed it's still listed on all three of my credit reports as potentially negative and account charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I went online to make my monthly payment for the month of XXXX, and I clicked the option the website gave me pay minimum. I then went back to the store and returned whatever I bought in XXXX. I shouldnt have had any balance left. Turns out I still owed and now I am getting hit with late fees for the XXXX payment? The woman on the phone said my monthly payment was {$35.00} not {$29.00}. But whatever the website option gave me is what I paid. The woman on the phone said nothing can be done anymore because of the amount of time has passed. Mind you, I didnt even know about this because The address my monthly statements have been getting sent to is incorrect. I havent lived there in XX/XX/XXXX months, I always make my payments based on whatever the website gave me. I now owe XX/XX/XXXXXXXX because I didnt pay {$6.00}. I didnt even know the monthly fee was {$35.00}? I just ask to pay what I missed instead of everything the account accredited. I dont even use my XXXX XXXX card. I used it for the first time in a VERY long time.

Company response to consumer: Closed with explanation