vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
On the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I contacted XXXX XXXX to inquire about a license fee ( {$25.00} ) that was charged by their office. During my last phone call on XXXX I was disconnected by XXXX. Please note, the fee was also charged by XXXX XXXX after I purchased my leased vehicle. XXXX XXXX refunded XXXX XXXX due to the change of ownership however, XXXX XXXX refused to refund me the duplicate license fee charge. I submitted several documents and letters to their office regarding my refund request. Additionally, on XXXX, I filed a complaint with your office regarding my refund request CFPB XXXX. Also, on XX/XX/XXXX, I spoke to XXXX XXXX ( supervisor ) regarding the refund, she stated the refund check would be sent within XXXX business days. On XXXX, I contacted XXXX XXXX regarding the refund, I was provided case # XXXX to reference the late refund check. 

Please review my complaint and assist me with this ongoing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My phone was stolen and all my information was saved in my passwords. Someone signed in my account and used every last dollar I had. Over {$6000.00}. It took them XXXX days to investigate this without seeing a police report I told them I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
XX/XX/XXXX I called and spoke to a representative regarding my upcoming payment and also requested an application for school misconduct discharge for XXXX XXXX XXXX, who a majority of my private loans are taken. I was told I would receive paperwork in the mail. 

XX/XX/XXXX I received notification of my federal student loans being approved for discharge due to borrower defense. 

Have not yet received application for private loan discharge although this is the second time requested as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My credit card account is currently restricted and approximately {$1000.00} in rewards points are frozen due to a systemic verification error by the bank. 

Background : In early XXXX, I used my credit card to pay for medical expenses related to the birth of my child. To pay the resulting credit card balance, I linked my XXXX XXXX Account ( XXXX ) held at a major brokerage firm ( XXXX ). 

The Technical Error : The bank restricted my card and demanded that I verify ownership of the payment account. However, the banks verification team is incorrectly insisting that the payment originated from a XXXX Bank account. 

I do not have, and have never had, an account with XXXX Bank. 

The payment originated from a XXXX XXXX, which uses XXXX XXXX, XXXX. ( Routing # XXXX ) as its underlying processing bank for XXXX transfers. 

It appears the bank 's automated system is misidentifying this XXXX Bank routing number as a XXXX Bank account. 

The " Verification Loop '' : I have spent over a month attempting to resolve this. I have spoken to multiple representatives and visited a physical brand location ( XXXX XXXX XXXXXXXX ). 

I explained that I do not own a XXXX account. 

I was told to submit my actual account statements ( XXXX ), which I did. 

The bank rejected these legitimate statements and continues to demand a statement from XXXX XXXXa document that does not exist. 

Conclusion : I am in a " verification loop '' where the bank is demanding impossible documentation for an account I do not own while holding my earned rewards points XXXX. I am requesting a manual review by the XXXX team to acknowledge the actual payment source and unrestrict my account and rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On or about XX/XX/year>, I discovered multiple unauthorized online debit card transactions on my account while reviewing my Chase Bank account activity. The transactions involved the following merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, for a total amount of approximately {$8.00} I did not authorize these transactions and did not give permission to anyone else to use my debit card. 
On XX/XX/year>, I contacted Chase Bank to report the unauthorized transactions and filed a fraud claim. Chase investigated the matter and, on XX/XX/year>, informed me that the claim was denied. 
After receiving the denial, I filed a police report for unauthorized debit card fraud and requested that Chase reconsider the claim under Regulation XXXX, as the transactions were not authorized by me. I am seeking reimbursement for the unauthorized transactions and correction of my account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I wired money into my Capital One checking account. I then called Capital One Auto Finance to have them process the final payment of {$11000.00} and expedite the title process as I sold the vehicle. I was told by the first person that I talked to that they would send the title to the XXXX and I would have to obtain it from the XXXX. I questioned this as this is not how things should be processed as I paid the loan off. I was sent to their title department where I was told they would be sending to title directly to me but it would take a couple of days to process the final payment to release the title to be mailed. I proceeded to give them my XXXX account so that the title could be overnighted once the payment was processed, I was told it would be no problem to do that. On XX/XX/XXXX I reached out again to check the status, I was told there was a note in the file stating my title would be mailed that day but there was no tracking yet so I needed to call later to see if they had it. I called later in the day and was told the same thing again. I called the next day, XX/XX/XXXX, asking the same question, I was told they had to check with the back office. After checking I was told I was given the wrong information and that they couldn't send my title out until the XXXX because of their lien processing period. Even though I wired the payment to Capital One to make the payment as recommended in the payoff form for a speedy processing period. I was told if I had made the payment by card that it would've been faster but when I read the form it stated it would take longer. After going back and forth with the agent I was handed off to an escalation XXXX to file a complaint where they noted my complaint and said they'd review the calls but that my title would be sent out the XXXX. I called XX/XX/XXXX at XXXX as I had not heard anything yet, I was told the lien processing was released today so the title would be sent either today, the next, or XXXX days. Again being told different information on when the title would be sent out to me so that I can get it notarized and to the new owners of the vehicle. All of these calls were recorded by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Yes I have Cashapp the Representative was not helpful i been going back and forth with my bank and was told that Cashapp had to raise my limit from XXXX transactions a day to higher number and they keep telling me to contact my bank and giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Someone in California linked their XXXX to my account and stole {$110.00} on XX/XX/year> then sent it to someone in another country. PayPal didn't even try to flag that on normal transaction and also denied me a refund at first but I disputed the denial and was promised my money back. I still haven't received it. Then someone broke into my account again the other day and stole {$92.00} from my account I called and disputed it. Instead of helping to retrieve my money they permanently closed my account and stated that now they aren't going to pay me back my {$110.00} that was still in dispute and they put my {$92.00} back in my account but are holding it hostage for XXXX days. That to me is robbery they can't just steal my money like that refuse to give me my money and just deny to release my funds. I have bills that are going to get cut off because they have basically stolen a total of over {$200.00}. My account with PayPal that all this money has been stolen from me from is under the XXXX account at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Capital Mitigation Services, LLC
State: FL

Complaint narrative:
XX/XX/XXXX Revenue Reporting Services sent a letter regarding a debit owed to XXXX XXXX showing a balance of {$1700.00}. I replied back to this collection agencies that I do not owe money to XXXX XXXX {$100.00} has been taking out of my account biweekly XX/XX/XXXX to XX/XX/XXXX. The Revenue Reporting Services has continued to call my place of employment when they have been asked to stop. Sending request to sign up to their portal for payment, I have never done any business with this company. My personal information has been sold to a third party without my permission. It has been reported to XXXX XXXX XXXX XXXX without my consent for credit reporting. The information is inaccurate and has reflected a negative balance for collection on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Subject : Complaint Regarding MOHELA Failure to Report IDR Payments Causing PSLF Delay and Overpayment Hello, I am submitting this complaint regarding my federal student loan servicer, MOHELA, for failure to accurately and timely report qualifying payments to XXXX resulting in delayed Public Service Loan Forgiveness ( PSLF ) progress and financial harm. 

I have been enrolled in an Income-Driven Repayment ( IDR ) plan and have made all required payments for the past six months. My account is in good standing, and these payments are qualifying for PSLF. However, MOHELA has failed to report these six payments to XXXX, despite verification of my account status and payment history during a recent call with a MOHELA representative. 

This reporting failure is delaying my PSLF payoff and has caused me to continue making payments beyond what should be required, resulting in overpayment to MOHELA. During my call with MOHELA, all account information was verified, and I was informed that the payments were correctly made and eligible. These payments should have been reported to StudentAid.gov at that time but were not. 

Additionally, when attempting to resolve this issue, I experienced an excessive phone wait time of approximately two hours, further limiting my ability to obtain timely assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I sent an unsupported cryptocurrency to a wallet PayPal described as PayPal-controlled. PayPal confirmed receipt of the asset but stated it could not be recovered because the cryptocurrency is unsupported. 

I later requested written clarification as to whether PayPal or its designated custodian controls the private keys to the wallet that received the asset, and if so, why the asset can not be returned or transferred. 

PayPal declined to answer this custodial question, stated it had fulfilled its obligations, and closed communication without denying custody, without denying technical capability, and without citing any specific law or regulation that prevents recovery. 

I am requesting CFPB review of PayPals disclosures and custodial practices regarding unsupported crypto assets received into wallets PayPal represents as PayPal-controlled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
USC 1681 ( I ) 1681e ( b ) I requested the original contract never received or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: BlueChip Financial
State: IN

Complaint narrative:
I am submitting this complaint to report an unauthorized disclosure of my personal and financial information by Spotloan. 

On XX/XX/XXXX at approximately XXXXXXXX XXXX  Spotloan shared my debt information, including the amount owed of {$1300.00}, with a relative of mine. I did not give consent for any of my loan or debt-related information to be disclosed to any third party. 

This disclosure was not made for the limited purpose of locating me, and the communication went beyond what is legally permitted. Sharing the existence of a debt and the amount owed with a third party is a violation of my privacy and, to my understanding, violates federal consumer protection and financial privacy laws, including but not limited to the Gramm-Leach-Bliley Act ( GLBA ) and applicable debt collection regulations. 

I am requesting that the CFPB : Investigate this unauthorized disclosure Require Spotloan to provide a written explanation for why my information was shared Ensure Spotloan ceases any further unauthorized third-party disclosures Take any corrective or enforcement action deemed appropriate I am prepared to provide additional details or documentation if needed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
XXXX and XXXX attorney for Discover Discover did not allow me a chance to validate my debt or dispute it prior to a default judgment. they served me at a XXXX residence knowing I would not receive the information when I had moved to XXXX XXXX XXXX  months ago, since XX/XX/year>. I will provide more information and proof upon request. Then sued for a default judgment when I didn't attend as an out of state resident because didn't know about the hearing nor have the opportunity to validate, dispute or be notified they were collecting a debt. My last known address being a XXXX XXXX could be found in many various methods as it was public. XXXX and XXXX misrepresented their lack of due diligence in locating me in order to improperly not disclose they were debt collectors and my legal rights and proceeded collection activity with my lack of awareness.... which is violating my due process rights in the collection of the debt. I should have received notice where I live and not just at any of my vacated apartments because it is easy or benefits them in court. Discover has been sued by this bureau for similar violations to non-residents and this is an abusive deceptive pattern of behavior, not rectified by past lawsuits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express close & cancel all my account ( s ) and the told me i will not be eligible for reinstatement nor for Membership Rewards points redemptions. 
i have over XXXX points the charge a RENEWAL MEMBERSHIP FEE of {$890.00} and then the taking away the points for the last XXXX years im paying RENEWAL MEMBERSHIP FEE it & i always paid in full never have any late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
WESTLAKE PM is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE PM 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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX XXXX ATM malfunctioned, it shutdown before dispensing my cash. The ATM company will not reimburse my Chime account. Im being charged for cash I never received! Im on social security XXXX, so this is devastating!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX 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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: DigniFi
State: CA

Complaint narrative:
I am filing this complaint regarding a loan account opened fraudulently in my name without my knowledge or consent through XXXX. 

My personal information was compromised following a mail theft incident in my neighborhood. Subsequently, an auto repair financing loan was opened in my name in connection with XXXX XXXX XXXX in XXXX, XXXX. I did not apply for, authorize, sign, or benefit from this loan, nor have I ever had a vehicle serviced at this repair facility. 

I reported this account to XXXX  as identity theft and requested investigation and correction. XXXX  denied my fraud claim, including after a secondary review, without providing documentation validating that I am responsible for this loan. No signed agreement, application records, identity verification, or other substantiating evidence has been provided. 

This fraudulent account has caused significant damage to my credit, including a substantial credit score decrease. Despite the account being formally disputed and connected to identity theft, XXXX continues to report it. 

I am requesting that XXXX cease reporting this fraudulent account, provide full validation documentation if they claim I am responsible, and remove the account from my credit reports in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I deposited a {$6500.00} cashiers check payable to my business into my Chase business account. Shortly after the deposit, Chase closed the account and informed me that the funds were suspended pending verification. I was initially told the funds would be released within 10 business days, but Chase has since refused to provide a clear timeline or release the money. 

I have spent over six hours contacting Chase by phone and speaking with supervisors, but I continue to be transferred without resolution. Chase has not provided written confirmation of the verification status, the department handling the review, or a definitive release or mailing date for my funds. 

To proactively resolve this, I contacted the issuing bank, XXXX XXXX, and obtained all necessary verification details directly from supervisors, including confirmation that the cashiers check is legitimate, valid, and payable. XXXX XXXX supervisors confirmed they are available and willing to immediately verify the check if contacted by Chase. Despite this, Chase has either failed or refused to complete verification with the issuing bank and continues to hold the funds without justification. 

I am requesting that Chase immediately release the {$6500.00} or issue the balance to me by check. At a minimum, Chase should be required to provide written confirmation of the reason for the suspension, the verification steps taken, and a definitive timeline for when my funds will be returned. I believe Chase is unreasonably withholding my money without a clear or lawful basis.

Company response to consumer: Closed with explanation