vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: Coinbase, Inc.
State: CA

Complaint narrative:
I always have access to my accounts through XXXX I tried to get access to my coin base wallet, but it keeps asking me for details which does not make any sense, since I have had this account for several years. I tried to get a live operator, but the phone number does not answer and keeps referring me to the website. Their customer service is intermittent and unreliable, a few weeks ago, i had the same issues and surprisingly, I was able to get access to a customer support person who solved my issues in less than a few minutes. The fact that their customer service is accessible on an XXXX XXXX basis, and not having a dedicated phone line for support, is very troubling for the size of this company. They need have dedicated support people with dedicated phone lines. I need access to my account immediately, all I want is to be able to get back to my account again which is not too much to ask for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX XXXX totaling {$1900.00}. I made this purchase specifically because of a prominently advertised 22 % cash-back reward offer through PayPal, which has a value of {$420.00}. At the time of checkout, the PayPal interface explicitly showed the " 22 % cash back '' tracking was active and applied to this order. 

Timeline of Events : XX/XX/XXXXXXXX   : Completed the purchase. No points appeared as " pending '' despite the active tracking shown during checkout. 

XX/XX/XXXXXXXX  : After I contacted support, I received an email from the company confirming a known " root cause '' technical issue with the 22 % XXXX XXXX offer. The company explicitly instructed me to " take no further action '' and assured me that qualifying points would be automatically credited once resolved. 

XX/XX/XXXXXXXX  : The company sent a follow-up email reversing their position. They denied the rewards entirely, citing a vague " risk-based approach '' and " atypical usage. '' The company 's " risk-based '' denial directly contradicts their earlier written admission of a technical error. Furthermore, because I relied on the company 's XX/XX/XXXX instruction to " take no further action '' while they " resolved '' the issue, I am now long past the merchant 's return window. I am now stuck with a high-value purchase that I would not have made without the promised 22 % incentive. 

This is a " bait-and-switch '' practice where a promotional offer was used to induce a large transaction, only to be denied through vague, non-specific terms after it was too late for me to return the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XX/XX/year>, I submitted a formal written dispute and debt validation request to Midland Credit Management ( MCM ) regarding an alleged debt. I requested the documentation required under 15 U.S. Code 1692g, including the original signed agreement, a full accounting of the balance, proof of legal authority to collect, and a complete chain of title. 

MCM did not provide any of the required documents in their first response. Instead, they continued contacting me despite my dispute. Because they failed to validate the debt and continued communication, I sent a second written dispute and ceasecontact notice. In that second letter, I again requested full validation and instructed them to stop contacting me under 15 U.S. Code 1692c ( c ).

After my second dispute, MCM sent another response, but it still did not include the required validation documents. They continued contacting me even after receiving two written disputes and a clear ceasecontact instruction. Their repeated communication violates 1692c ( c ), and their failure to provide proper validation violates 1692g. 

I am requesting regulatory review and enforcement action to stop further contact and prevent any attempt to report or collect this unvalidated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Bank of America for improperly denying my claim regarding an unauthorized and disputed transaction in the amount of $ XXXXcharged by XXXX XXXX XXXX XXXX 
On or about the date of the transaction XX/XX/year>, I paid XXXX XXXX XXXX for vehicle repair services. Within minutes of picking up my vehicle, it caught fire and burned completely, resulting in a total loss. The incident occurred immediately after the vehicle left the repair facility, strongly indicating that the services rendered were defective, unsafe, and not provided as agreed. 
Due to the catastrophic failure of the repair work, I immediately disputed the charge with Bank of America and requested a reversal of the transaction. I provided supporting documentation, including photographs of the burned vehicle and email correspondence related to the transaction and incident. Despite this evidence, Bank of America denied my claim and refused to reverse the charge. 
This charge is unauthorized and invalid under consumer protection standards, as the services paid for directly resulted in immediate and total destruction of my property. Bank of America failed to properly investigate my claim, disregarded material evidence, and did not provide a reasonable explanation for denying the dispute. 
I believe Bank of Americas actions violate fair billing and consumer protection obligations by failing to conduct a good-faith investigation and by holding me financially responsible for a transaction tied to negligent and dangerous services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: TX

Complaint narrative:
am disputing XXXX unauthorized transactions for the same amount that posted to my Chime checking account. 

I reported the transactions to Chime promptly and submitted a dispute. Chime denied the dispute very quickly, in a timeframe that does not appear sufficient to have conducted a thorough investigation, especially given that there were XXXX transactions for the same amount. 

Chimes denial notice states that I may request documentation related to the investigation. However, Chime has made it impossible to do so. Dispute communications are sent from no-reply email addresses that explicitly instruct customers not to respond. Chimes in-app chat does not allow escalation to a live agent for documentation requests, and phone agents state they can not provide documentation or submit a documentation request on my behalf. 

As a result, although Chime references documentation used to deny my dispute, it has effectively refused to provide it by eliminating all reasonable methods to request it. 
Given the speed of the denial and the presence of XXXX transactions for the same amount, access to the documentation is especially important to verify that a proper investigation occurred. 

I am requesting that Chime be required to provide the documentation relied upon to deny my dispute and to conduct a good-faith review once documentation is disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
b'My account number with Nissan Motor Acceptance Corp. is XXXX. I have been dealing with them on a past due balance. I paid a total of $XXXX  on it yesterday: XXXX  online and XXXX  on the phone. I had to argue with the rep and ask him twice if he was refusing to take my money to get him to take the $XXXX  on the phone. He at first said the $XXXX  I paid online the night before wasn\'t showing and that I was XXXX  days past due. I then stated that I had paid the $XXXX  online, and he then said he saw it and that I was XXXX  days past due. I asked for a XXXX  interest statement because I couldn\'t get it from the website--it only offers the current year--and he kept saying that it was still generating. I asked him what the balance would be once those two payments totaling $XXXX  were applied and he said XXXX-something. (Another payment was due yesterday and that was supposed to include it. In informed him that I would pay XXXX  tonight and XXXX  next Wednesday, which totals a full payment of XXXX and that I would be making two payments in XXXX: one with my tax retund and one on the due date. I got behind because my employer cut my hours in XXXX  and I haven\'t been able to get a second job. I logged into my account tonight to find that my balance was $XXXX  something AFTER the $XXXX  was applied. I called back to ask how that happened and the explanation didn\'t explain it. I asked for the interest statement again and informed him that he had to give it to me regardless of my account status. I also asked him if the $XXXX  I was paying tonight would be taken off my balance or added to it. He verbally committed to taking it off. When I received the e-mail from them, there were two interest statements attached with two different account numbers. One has account # XXXX XXXX XXXX XXXX and states that interest paid for XXXX  was XXXX. The other has account # XXXX, which matches what shows on my online account, and states that the interest paid "for the previous calendar year" is XXXX I\'m attaching both as well as screenshots of my online account. They\'re password-protected and the password is XXXX. Last year it said my progress in paying was 85%. Monday night, it had gone down to 59%. Yesterday it said 60%. Now it says nothing. I am coming straight to you because I don\'t think they\'ll straighten it out for me because I think they\'re doing things to re-age my account to try to repossess the car and re-sell it because it is only months from being paid off, It is due to be paid off in XXXX  XXXX, according to their website.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of a fraud involving a resume writing service. The individual/business advertised professional resume writing services and misrepresented their legitimacy and services. Based on these false representations, I sent {$170.00} via XXXX as payment. 

After payment was sent, the service provided was either not delivered, materially different from what was promised, or the individual ceased communication altogether. I later determined that this was a scam and that the resume writing service was fraudulent. 

I contacted my bank immediately upon discovering the fraud and requested a reversal and investigation. Despite this being a transaction induced by deception and misrepresentation, the payment was classified as authorized and reimbursement is under investigation. 

I am requesting that the bank reconsider this determination, investigate the recipient account for fraudulent activity, and reimburse the {$170.00} lost due to this scam. This transaction was not a legitimate authorized payment but was obtained through fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
I was contacted by individuals claiming to be a debt collection group called XXXX XXXX. They stated that I owed a debt to Speedy Cash and falsely claimed that a legal case was being filed against me. They left voicemails using intimidation, urgency, and false legal threats to pressure me into making immediate payment. XXXX caller identified himself as XXXX XXXX  and referenced a claim number. 
The callers also contacted my fiance and left voicemails regarding this alleged case, which caused distress and was used to further pressure me into paying. Based on these false representations, I was deceived into making a card payment of {$860.00}. 
After payment, I received receipts containing threatening language discouraging me from reporting fraud. I later confirmed that any legitimate Speedy Cash debt I may have is handled by a different company, XXXX XXXX XXXX, and that XXXX XXXX was not the authorized or legitimate collector. I have voicemails, call logs, emails, and receipts documenting these events.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NV

Complaint narrative:
Product : Credit Card Company : Discover Issue : Billing dispute / Fraudulent charges I filed a fraud affidavit with Discover on XX/XX/XXXX for unauthorized XXXX charges on my account. On XX/XX/XXXX I received a letter from Discover XXXX XXXX XXXX rejecting my fraud claim and stating I owe the balance, despite no evidence the charges were authorized. XXXX refuses to release purchaser information, which Discover is improperly requiring me to obtain. I was forced to close my account on XX/XX/XXXX. I paid only legitimate charges and withheld payment of fraudulent charges as allowed under the Fair Credit Billing Act. Discovers rejection of my fraud affidavit and attempt to hold me liable violates XXXX  dispute-handling rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and improper debt collection practices by National Credit Systems , Inc . The collection account being reported originates from a rental account that became delinquent in XXXX. However, National Credit Systems is inaccurately reporting the date of first delinquency as XXXX, which improperly extends the reporting period. 
This misrepresentation of the date of first delinquency constitutes illegal re-aging and violates the Fair Credit Reporting Act ( FCRA ). A debt collector may not alter or reset delinquency dates to keep a negative account on a consumers credit report longer than allowed by law. 
Additionally, the rental account was closed, yet National Credit Systems is reporting the collection as open and active, which is misleading. I also never received the required written validation notice within five days of initial communication, as required under the Fair Debt Collection Practices Act ( FDCPA ). 
I previously disputed this account, but National Credit Systems has failed to provide proper written validation of the debt, including documentation of the original lease, itemized charges, and proof supporting the reported balance and delinquency dates. 
I am requesting that National Credit Systems either correct the account to reflect the accurate XXXX date of first delinquency and closed status, or delete the account entirely if accurate verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
My service provider is MOHELA. I have been on the XXXX XXXX for the last year, which was placed on an administrative forbearance. As a part of this, my interest rate was 0 %. Despite this, MOHELA has been accumulating interest on my loans and my total owed has continued to grow, now accumulating almost {$30000.00} in interest that I should not have over the year of the forebearance. I contacted MOHELA after interest started accumulating again on XX/XX/XXXX to correct this issue on at least XXXX occasions. On both occasions, I was told they were " working to fix it ''. It has now been almost half a year since I last heard from them and the issue persists. As long as the value remains incorrect I can not refinance my loans into another plan as it would capitalize on the incorrectly accumulated interest. I have attached XXXX statements from MOHELA during the time of the forbearance showing the increased loan amount as " unpaid interest '' between the XXXX statements.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and constant calling on or before XXXX XXXX  I the morning for an account that has been closed. Despite the account being closed, it continues to be reported incorrectly on my credit report. 
The account is showing inaccurate status information, including ongoing reporting activity that suggests the account is open and/or accruing delinquency after the closure date. This reporting is misleading and does not reflect the true status of the account. 
I previously disputed this matter, but the inaccurate reporting remains. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of the account status to accurately reflect that the account is closed, with no new activity reported after the closure date. 
If the company can not verify the accuracy of the reported information, I am requesting that the account be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I used Wells Fargo atm for withdrawal XXXX a cab was waiting for me outside. The machine did not disburse cash but withdrew the amount from my account leaving {$5.00} I immediately went inside branch and filed complaint to refund money not disbursed by atm. The bank filed complaint and put money into my account next business day. However on XX/XX/XXXX I received a letter from Wells Fargo claims dept stating they investigated claim the money was disbursed to me and they would withdraw {$180.00} from my next direct deposit on XX/XX/year>. I escalated claim with their headquarters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am asserting my rights under the Servicemembers Civil Relief Act ( SCRA ). 
The SCRA limits interest on covered obligations to no more than 6 % per year during qualifying periods of military service and prohibits related fees and penalties that exceed what would be allowed under the capped rate. 

I notified the creditor of my qualifying XXXX XXXX  and requested application of SCRA protections to my account. Despite receiving notice, the creditor continued to : Charge interest in excess of the SCRA-mandated 6 % cap Assess late fees and/or penalty charges tied to the excess interest Fail to retroactively adjust the account as required by law The obligation at issue was incurred prior to my qualifying military service, making it a covered obligation under the SCRA.

Under the SCRA : Interest on covered obligations must be capped at 6 % during qualifying service Interest includes late fees, service charges, renewal fees, and other penalties Excess interest and fees must be forgiven, not deferred Once proper notice is provided, creditors must retroactively correct the account The creditor failed to properly apply these requirements and did not provide documentation showing lawful compliance with SCRA standards.

As a result of this failure : I was charged interest and fees that are prohibited by federal law My account balance was improperly increased I experienced financial harm and administrative burden My statutory protections as a servicemember were not honored

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: IL

Complaint narrative:
I am unable to receive my funds from my XXXX account. They are pending in standard transfer from weeks ago

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
UCB is reporting a debt on my report for {$540.00} I dont recall having any contract with them and they state they are a medical debt. 

as per 15 U.S.C. 1692g Debt validation The collector must stop collection until validation is provided They must prove : You owe the debt The amount is accurate They have authority to collect with that said cease and desist and remove that off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing a hotel charge that was denied despite the merchant providing no evidence of actual damage. The hotel initially claimed the charge was a smoking fee, which is false as I am not a smoker, and later reclassified the charge as damages, supported only by a photo of flower petals on the floor. No repair costs, itemized invoice, or proof of incurred damage were provided. My bank denied the dispute without clearly explaining what information was missing. I am requesting regulatory review and a fair reconsideration of this charge.

Company response to consumer: Closed with explanation