vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: AL

Complaint narrative:
Hello CFPB I'm XXXX XXXX Dispute XXXX XXXX need.XXXX Dany my dispute I don't know properly, How to compromised my XXXXXXXX XXXX XXXX But few months ago my card information use for a XXXX website. They suddenly said in the middle of the video that if you want to watch this video in full then take a subscription which is completely free.I think my card information was compromised from there website. Website Name maybe local XXXX I don't remember exactly. XXXX XXXX many transaction was completed at my XXXX. At first, I didn't notice it, but later, when I logged into the XXXX banking app, I saw the transaction.I called the bank 's customer service and immediately filed a complaint. This was not my authorized transaction.They accepted my complaint. But the real problem is that the bank rejected my complaint a few days later. They didn't return my money.. . I did not authorize, initiate, or receive any goods/services from XXXX or the fraudulent website. The Dispute Process : I filed a dispute with XXXX. However, XXXX denied my claim, stating the transaction was " authorized. '' Why XXXX Decision is Wrong : Under Regulation E ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX. XXXX has failed to provide a thorough investigation or fulfill their consumer protection obligations. My XXXX datils ( Compromised card details XXXX XX/XX/year> ) XXXX Email : XXXX XXXX [ {$95.00} Transaction XXXX XXXX XXXX XXXXXXXX {$96.00} Transaction XXXX {$120.00} Transaction XXXX {$60.00} Transaction XXXX {$97.00} Transaction XXXX {$98.00} Transaction XXXX {$97.00} Transaction XXXX {$98.00} Transaction XXXX {$100.00} Transaction ID XXXX Total = {$970.00} dollars approx XXXX debit card, And billing address information was compromised And I do not have a XXXX account that's my hard point. Desired Resolution : I request a full reversal of the fraudulent charges and a credit back to my XXXX account. I also request XXXX to provide the specific documents and evidence they used to determine the transaction was " authorized. '' My XXXX card is compromise it's totally clear If this matter can not be resolved through chime internal review process or the CFPB complaint resolution process, I respectfully reserve the right to pursue additional legal remedies available to me Trust me sir I don't have XXXX account. please refund my money.im broke

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XXXX a letter was mailed to rentdebt as well as emailed received no response to the inquiry. Called them today and they stated they mailed it to me but it was never received at the house they claim to have mailed it to then they said they mailed it to another address. Then they said they never received the request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: SC

Complaint narrative:
Selene Finance is ignoring my written requests for loss mitigation ( emails sent XX/XX/XXXX and XX/XX/XXXX ) and instead called me at XXXX XXXX on XX/XX/XXXX to harass me with hostile language ( 'Are you not cooperating? ' ). I have a valid hardship ( layoff ) and am in an active forbearance plan, yet they are refusing to provide clear written options for extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am submitting this complaint regarding my banks failure to properly investigate and reimburse multiple unauthorized electronic funds transfers totaling {$6500.00}. On XX/XX/year>, I was approached by XXXX individuals in a vehicle who intimidated me and forcibly took my phone from my hands. While I was under duress, they accessed my accounts and XXXX XXXX, the thieves transferred {$4500.00}, then {$2000.00} from my US Bank account to XXXX XXXX merged their bank account to my XXXX XXXX account, transferred the entire {$6500.00} to their bank account, then deleted all bank account information from XXXX XXXX. The transfer was completed without my consent while I was under duress. This transaction was not authorized. It occurred under coercion and involved the physical taking of my device. I immediately reported the incident to my bank and filed a dispute. The claim number is C - XXXX. The bank issued a provisional credit, which indicates the claim initially had merit. However, the bank later reversed the credit, stating that the transaction was authorized. They have since declined to re-open and reinvestigate the case a second time. This determination is incorrect and does not align with the protections provided under the Electronic Fund Transfer Act ( Regulation E ). A transaction conducted under threat, coercion, or after a device is taken should not be considered authorized. I have filed a police report documenting the incident and will provide that documentation when it becomes available. The police report # is XXXX. I am requesting that the bank : 1. Reopen and properly investigate this claim under Regulation E 2. Provide the specific evidence used to determine the transaction was authorized 3. Reimburse the {$6500.00} that was taken as a result of this incident This type of crime is increasingly common, and consumers should not be held liable for transactions completed under coercion or theft. I am requesting a full resolution and reimbursement of the disputed amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
My husband and I bought a property in XXXX XXXX on XX/XX/year>. The mortgage was with LAKEVIEW. My husband passed away a month ago. I m finding out that LAKEVIEW transfer the mortgage loan to XXXX XXXX XXXX XXXX They omitted my name. I have the DEED and the MORTGAGE PAPERS and all have my name on it. I spoke to somebody at XXXX XXXX XXXX XXXX. They submitted all the papers to LAKEVIEW. But I still have no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
There was a credit card opened without my consent or knowledge. And now Im being told there is a debt thats owed that I had no info about. I am not responsible for this account. I have filed with the ftc for identity theft. And also filed with the cfpb. Account number for reference is XXXX. ( That was requested by the company )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Cash App because my funds have been pending/held for more than a month and a half, and the company has failed to resolve the issue. I contacted customer support multiple times requesting an explanation and release of my money, but I have not received a clear answer or satisfactory resolution. The funds belong to me and I need access to them. Cash App has continued to delay my money without proper communication or a valid reason. This situation has caused financial stress and inconvenience. I am requesting that Cash App immediately release my funds or provide a full refund, along with a clear written explanation for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint regarding a travel rewards credit card account with Bank of America that was closed and resulted in the loss of my accumulated rewards. This account was closed by Bank of America without prior notice and without a clear explanation, other than being described as a business decision. At the time of closure, I had accumulated the equivalent of {$1600.00} in travel rewards, earned through legitimate spending over time. After the account was closed, I attempted to redeem these rewards for statement credit or travel-related expenses. However, I was informed that because the account was closed by the bank, I am no longer eligible to redeem any of the rewards. I was not provided advance notice of the account closure or a reasonable opportunity to redeem my rewards prior to losing access to them. These rewards were earned over time and represent significant value accrued through normal use of the account. I believe this practice is unfair and potentially deceptive, as it prevents me from accessing earned benefits without warning. I am requesting that Bank of America allow me to redeem my accumulated travel rewards or apply the equivalent value of {$1600.00} as a credit toward my account balance. I am also requesting a full review of this matter and a written explanation referencing the specific terms and conditions that justify forfeiture of earned rewards without prior notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I fell behind on my payments and received notice that I needed to call them to make a payment arrangement. I called in spoke with a representative and the representative told me that I needed to make a {$30.00} payment in order to guarantee my card would not be closed and allow me to make a different payment arrangement before my due date of XX/XX/year>. My account was guaranteed to be open and not closed if I made the {$30.00} payment I agreed to this verbal contract and paid the {$30.00}, they received the {$30.00} but breached the contract and closed my account. When I called in and spoke to supervisors, they told me all they could do was apologize, but they were not honoring the verbal contract that we entered into.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I have an original loan amount with Sun Loan for {$900.00}. They have on my credit report that they wrote off {$1300.00}. This brings my total account to {$2000.00}. Information about this debt has inaccurately reported to credit companies. I will attach a screenshot that shows Equifax {$2200.00} and XXXX & XXXX show {$2000.00}. I have called the original creditor Sun Loan and they have passed all blame and have told me to route my questions to ASCI ( debt collector ). I call XXXX and they tell me to call Sun Loan. I have made numerous attempts with both original creditor and debt collector but do not get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Message was provided to them in regards to account ending in XXXX on their recorded line as well as written on your portal as well as visiting for amounts that were being charged as I was not the person who was utilizing and car service. It should not be helped responsible because they were unauthorized fact-finding was not provided any formal letters from the merchant as requested was not provided a various of attempt to provide them police reports for a matter of an person who conducted business have an access and be charged and taken to court for vandalize it, and going through peoples accounts, personal finances and utilizing them for their own personal gain was provided to the Navy Fedral the following was disputed with police reports however, the bank did not follow policy or protect my money as it was being reported to be unauthorized and fraudulently used. I appealed no steps were taken. I was sent a vague letter stating that they would conduct an investigation in the next day. A letter was provided that they were not going to assist me with my appeal. Ive also provided them additional information of that person being arrested for breaking in a various of Mailboxes and vandalizing and being held in court for vandalizing and stalking and having access and using and utilizing business and occupants under the company in which I receive my financial information, Navy Fedral, having that person be identified and taken to court for stocking vandalizing and utilizing personal information, not true to himself or his. I also would like to make this complaint for that same charge off be paid to Navy Fedral for an outstanding balance. I was not clear of or ever provided that it was owed at any point of time. It was forced closed the account and I have asked for to make this complaint for that same charged off account paid in full. Having been paid to Navy Fedral for an outstanding balance. I was not clear of or ever provided that it was owed at any time before closing no negative amount or description as to where that amount originated fromat any point of time. It was forced closed the account and I have asked for a letter stating that that account has been paid off by myself and have asked for the later statement the purchase been paid by me fully. Which Navy Fedral has not provided me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: CA

Complaint narrative:
Meta XXXX XXXX ( XXXX XXXX ) I am submitting this follow-up because my prior complaint was closed prematurely without a complete investigation or resolution. The issue remains unresolved, and funds owed to me have not been released. I am currently receiving new payouts, which confirms that my payout account is active and functioning properly. However, several earlier completed and delivered orders are still missing from my payouts. Missing Orders : * XX/XX/XXXX Order # XXXX {$26.00} * XX/XX/XXXX Order # XXXX {$100.00} * XX/XX/XXXX Order # XXXX {$86.00} * XX/XX/XXXX Order # XXXX {$100.00} Total Missing Payout : {$320.00} All of these orders were delivered well beyond the standard payout timeframe and have not been released. Additional Issues : * Metas system is incorrectly labeling some shipped checkout orders as marked as sold, despite being processed through XXXX checkout * I am being prompted to mark as paid, which would falsely indicate I received funds that I have not received Payout System Error : The platform repeatedly displays update your payout account, however this information is incorrect. My payout account is already verified and active, as I am currently receiving payouts for newer transactions. I am including screenshots showing both recent successful payouts and the update payout account message. When I attempt to follow the prompt to update my account, it redirects me to an unrelated landing page and does not provide any way to resolve the issue. There is no functional action available on my end. This confirms the issue is not with my account, but with Metas payout system incorrectly flagging or blocking specific transactions. Resolution Requested : At this point, the delay is unreasonable. I am currently receiving payouts for recent orders, including items shipped last week, while older orders from XXXX and early XXXX that were delivered much earlier remain unpaid. This confirms the issue is not with my payout account, but with Metas handli

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
My dental visit on XX/XX/year> ( First Visit ). Upon the evaluation of my teeth, I was informed that I needed to get treatment for my XXXX, cleaning and evaluation of XXXX teeth to be eventually removed by XXXX. The total cost was {$1400.00} ( XXXX Cost # 1 ). Your office financial employee, offered me a loan with Healthcare Finance Direct ( XXXX ). I applied for the XXXX loan and was approved. Please note that this was my first time using my social security and obtaining a loan. The term of the loan was for 18 months with a monthly payment of {$90.00}. At the First Visit, the cleaning was done and I made an appointment for the XXXX treatment for a later date. On XX/XX/XXXX, I received a phone call from the dental office saying my loan had some issues and they needed my checking account number to add for direct payment from my checking account. Luckily the same day, my bank ( XXXX ) offered me a credit card with zero interest. I applied to that XXXX credit card and was approved. On XX/XX/XXXX, I went to the dental office with my mother and I spoke to the front desk employee. I explained the situation that I did not want the loan anymore since I had applied for a credit card that was going to give me zero interest to payoff the Dental Cost # 1. She said no problem and she was going to reverse the payment and cancel the loan in her computer. I told her that once I receive the credit card I was going to pay. That is when she gave me a different dental balance. She said the XXXX treatment I received was {$1200.00} ( Dental Cost # 2 ) since I had declined the XXXX XXXX evaluation. Same day, I called XXXX and told them the situation that I wanted the loan to be cancelled. On XX/XX/XXXX, I paid in full with my XXXX credit card the amount of {$1200.00}. On XX/XX/XXXX, again I went back to the dental office and they had me calling XXXX, getting copies of statements, and disputing they were in error. I also called XXXX to dispute the charges since at this point were unauthorized and fraudulent. I also had my card replaced. On XX/XX/XXXX, I spoke to XXXX and she said the dental office had returned the loan money to XXXX. That I should be receiving a confirmation letter within a week or she said to call XXXX to follow up. Same day, XXXX sent me an email confirming that my account was paid in full. ( Attached for reference ). Unfortunately, XXXX keeps calling and emailing and mailing me harassing for payment. I have emailed and spoke to on the phone to multiple XXXX representatives ( some that hang up on me ).

Company response to consumer: Closed with explanation