vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 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: NJ

Complaint narrative:
I am filing a complaint regarding PayPals handling of a billing dispute involving a merchant subscription from XXXX. On XXXX XXXX, 2025, I signed up for a {$1.00} trial for a vehicle report and canceled the subscription the same day. I also disputed the {$1.00} charge because the service was not as advertised and lacked the level of detail represented. Authorization for recurring billing ended when the subscription was canceled. Despite this, the merchant later attempted to charge monthly subscription fees. Most of these charges were unsuccessful. On XXXX XXXX, 2026, the merchant processed a charge of approximately {$150.00}, which I disputed with PayPal and won. However, on XXXX XXXX, 2026, another charge of {$140.00} was processed and PayPal ruled in favor of the seller. PayPal stated that the merchant claimed unpaid subscription months were charged in bulk once a payment method succeeded. I dispute this reasoning because authorization for recurring billing ended when the subscription was canceled in XXXX 2025. There was no valid authorization for retroactive bulk subscription charges months later. I did not receive any confirmation that the subscription remained active. The merchant later stated they canceled the subscription themselves, but I did not receive any cancellation notice. I also previously disputed this merchant due to the service lacking detail and not matching what was advertised, which supports my decision to cancel the subscription immediately. PayPal denied my appeal and placed my account into a negative balance of {$140.00}, limiting my account. PayPal will not allow additional disputes through the app and requires the negative balance to be resolved before further review. I have requested documentation used in PayPals investigation. I believe PayPal relied primarily on the merchants statements without verifying whether the subscription had been canceled or whether valid authorization existed for retroactive bulk billing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Issue : Withholding of {$750.00} Security Deposit on Closed Account. Account Information : XXXX XXXX, Account ending in XXXX. Description : I closed my Capital One Quicksilver Secured card on [ Date ]. My final statement for the period ending XX/XX/year>, shows a {$0.00} balance and an available credit of {$750.00}, which is my original security deposit. I have contacted Capital One multiple times via email ( XXXX XXXX ) and phone ( XXXX ) to request a Manual Negative Balance Refund due to a family emergency and bereavement. Despite their official policy stating that manual refunds can be issued within XXXX business days, agents have repeatedly refused to expedite the process, insisting on a XXXX-day wait. Furthermore, I received a suspicious notification that my account email was changed to " XXXX XXXX '' without my authorization, which I believe is causing a security hold on my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was enrolled in XXXX XXXX, that protects you in the event of any hardships. My employment went through a lay off eliminating my position after XXXX years. My income drastically changed which created hardship. I contacted the company letting them know the situation. Under XXXX XXXX supposed to protect me from negative items being reported to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have been actively attempting to resolve the outstanding balance on my Nordstrom account ending in XXXX. Based on my records and prior communications, the account charged off in XX/XX/year> with a balance of approximately {$620.00} ( roughly {$650.00} as previously referenced ). When I contacted Nordstrom Card Services to resolve this balance, I was transferred to a third-party partner. During that call, I was informed that the amount allegedly owed is now over {$1600.00}. This was the first time I was made aware of such a significant increase. This raises serious concerns because : The original charge-off balance was approximately {$650.00}. I was not provided prior written notice explaining how the balance increased to over {$1600.00}. No itemized statement has been provided showing how interest, fees, or other charges were added post charge-off. Your letter states the account has not been sold or transferred, yet I am being directed to a third party that is claiming a much higher balance. The discrepancy between the charged-off amount and the amount now being claimed reflects clear inaccuracies and a lack of transparency. I am attempting to resolve this matter in good faith, but I can not agree to pay a balance that appears inflated and unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am a customer of Truist Bank. On XX/XX/year>, my employer sent a legitimate {$20000.00} payment to my checking account via XXXX. The funds remained in my account for approximately XXXX weeks without issue. Later, I unknowingly deposited a fraudulent check sent by a third party. After this event, Truist restricted my account and informed me my funds were moved into an internal holding account. Despite repeated requests, the bank has not provided written documentation explaining the restriction, the status of my funds, or a timeline for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My Mortgage Lender is SHELLPOINT MORTGAGE SERVICE company under NewRez and XXXX XXXX leadership. I am a victim of fraud. My tax payments were stolen out of my escrow account and were never paid to the Tax Collector 's Office, which resulted in a Delinquency. Also my Lender overcollected my payments in full few times and illegally inflated my mortgage payments by forcing me to foreclosure and homelessness. Attached is a letter that was sent by a lawyer. I am not represented legally by any attorney, however I asked for assistance from XXXX XXXX XXXX XXXX to help me due to existing fraud, chaos and anarchy in my mortgage account. Please assist me by conducting full investigation into this matter of fraud and tax evasion also predatory lending by the loan servicer. I am under imminent danger of foreclosure and homelessness crisis. This criminal ring known as ShellPoint Mortgage Servicing is a Division of NewRez LLC, being sued by many other victims. The Major fraud is that payments made to my account by the XXXX Mortgage Relief Program funds, were embezzled and misappropriated by my mortgage servicing company and never applied to my account. Read carefully attorney XXXX XXXX 's letter addressed to their legal department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My bank has restricted my account and is refusing to release my funds. I am the legitimate account holder and have repeatedly attempted to verify my identity. The bank requires phone verification even though I am calling from a phone number that is under my name. They have not provided a reasonable alternative method to verify my identity in order to access my money. Additionally, the bank has been sending correspondence to an address that is not my correct address, which has further prevented me from resolving this issue. I am requesting an immediate review of my account, correction of my contact information, and prompt release of my funds. This situation is causing financial hardship.

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 non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have been called every day since XX/XX/year>. I was given a credit limit of {$300.00} and I had XXXX XXXX. I tried to file an insurance claim for XXXX ans never heard from them. In XXXX the amount started increasing ans now they say I owe them {$900.00} plus dollars. Ive asked them to stop calling but the continue. Now Im getting letters from different collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: MD

Complaint narrative:
On XXXX XXXX, XXXX, I reported an unauthorized transfer of {$770.00} which was denied on XX/XX/year>, to XXXX. I then appealed this on XX/XX/XXXX. following the appeal citing Regulation E. on XXXX XXXX, 2025, XXXX approved my claim ( Case # XXXX ) in writing but failed to restore the funds within one business day as required by 12 C.F.R. 1005.11 ( c ) ( 1 ). Despite multiple follow-ups and a formal Notice of Dispute sent via Certified Mail, the company remained in violation for over 70 days. Only on XX/XX/XXXX, 2026after receiving my legal demanddid XXXX issue a partial payment of the principal. The company has failed to provide any explanation for the delay or the required transaction logs. Because the company willfully failed to credit my account within the statutory timeframe, I am entitled to treble damages ( {$2300.00} ) and the statutory maximum penalty ( {$1000.00} ) under 15 U.S.C. 1693f ( e ). I am seeking the remaining balance of {$2600.00} to resolve this willful violation of the Electronic Fund Transfer Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I totaled my car. The remaining amount was just over {$800.00}. I spoke with capital one to explain that I wouldnt be able to make the payment u til the end of XXXX beginning of XXXX because my abusive husband left me high and dry with no financial stability. I had just graduated XXXX school and just recently started my job XX/XX/XXXX. My first paycheck is XX/XX/XXXX. When I spoke to capital one with concerns about late payment reporting they an I quote said you do not need to worry about it being reported as your account has been marked for no interest accrual and no credit reporting. They, despite saying it would be okay to pay end of XXXX beginning of XXXX and also stating that it wouldnt be reported because my account was marked as so, have reported my payment as late. Again I just left an abusive relationship and just started working. They need to remove the late payment remark as that goes against what I was told. I planned to pay the account in full with my first check which again is XX/XX/XXXX. ( which again capital one agreed to ) I respectfully ask that they stick to their word of what they told me which was a recorded phone call of the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
On XX/XX/year>2025 I attempted to transfer out {$98.00} after Ally bank stated my debit card could not be ordered. They said account specialist would reach out instead of transferring me during business hours. I am not waiting for my money to be released, Either close my account and issue a refund. Or let me access my funds in my brand new account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Im contacting to CFPB complaint team to see maybe if Im able to get a resolution to my problem. So I had an account with affirm and I had an a card now this card was lost. I either dropped it when I was at the store somehow or Im just not sure so when I lost the card, I immediately called Affirm letting them know that I have lost the card and since then I have been seeing purchase since 2024 of someone trying to use this physical card at certain stores and it has been getting used to ever since but being at decline due to me, advised them that this is fraudulent because I lost a car now I have been getting notifications since XXXX to now which is XXXX that someone has been trying to make purchases using this card, but it was getting declined because it was an old card so fast forward to XXXX. I recently started back using this account this month of XXXX and they have suspended my account due to me not making a payment of {$45.00} from the backpay of with this account is sold from 2024 from these TikTok ads, I have advised company multiple times that this was fraud so I dont know why Im getting charged and trying to get withdrawals out of my account for something that was fraudulent and reported when the card was lost so today which is XX/XX/XXXX I have been contacting this company. Ive been transferred XXXX to a different people I spoke with agent XXXX XXXX and no one knew how to help me not even the chat box so Im reaching out to see if I can get someone higher up to look into this for me because I want to use the services but Im not paying for fraudulent charges when I notified you guys two years ago when I spoke with the supervisor, she just kept asking me the same things over and over and over and over again, so please see if he help me get this company together and have someone look into this issue because this is unacceptable as a company. No one knows where to transfer me. Why do I have to be on hold for an hour or on the phone for an hour getting transferred back-and-forth a total of XXXX to XXXX times thats not fair and that is not right. You guys have to get it together and get into this issue. Now I had a old card and this old car was used for the fraudulent purchases, but Im not sure of what the car number was, but I was just recently given a new one, which is attached in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: DISCOVER BANK
State: TX

Complaint narrative:
I was charged {$120.00} by a website that impersonated a XXXX XXXX passport service. Discover denied my dispute solely because I entered my information, despite clear deception and misrepresentation. The merchant provided no legitimate service and refused a refund. I am requesting Discover reconsider this under deceptive practices protections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: MI

Complaint narrative:
I disputed a transaction that was made on XXXX XXXX for {$990.00}. It was to the electric company and was not authorized by me or for an account of my own or in my name. The address was the same. Account owner was not. They immediately denied it, as usual... I reopened it, and submitted evidence that this was not my account and pressed the issue. They said they would investigate it.. Fast forward to XXXX XXXX. I get an email and a text message from the electric company saying that the transaction was reversed/ canceled. They did not argue the dispute or challenge it at this point. At no point did they challenge it. Now here we are, XX/XX/XXXX ... and I have still yet to hear anything back from chime since the case was reopened. They have not credited the funds to my account. And when i called they told me if I am " eligible '' for a provisional credit, Ill recieve and email letting me know. That the dispute can go on til a month from now before fully resolved ... Im sorry ... What exactly is there to resolve?? My payment was returned by the merchant nearly 10 DAYS AGO!!!! WHY IS MY MONEY NOT IN MY ACCOUNT??? WHY ARE YOU GIVING ME THE RUN AROUND ABOUT IT AND PROLONGING THIS WHEN IT WAS REVERSED 10 DAYS AGO!?!? Every time I call, they give me the same if I am eligible XXXX and it cant take 45 to 90 days to be full resolved XXXX... It's already solved and done. The only issue here is you holding my money for absolutely no reason what so ever. Chime needs to credit my money to my account immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Fidem Baltimore Holdings LLC
State: IN

Complaint narrative:
I currently have an active credit card titled 'ignite " mastercard issued by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The credit card recently switched payment portals from an accessible online banking and application to a website run by XXXX services. I have had multiple issues accessing my online portal. When prompted to contact customer service by their website, I have tried calling the phone number provided multiple times. ( Please contact Customer Service at XXXX. ) Every time I call, an automated machine states the number could not be completed as dialed. This is the same number on the back of my credit card. I tried calling XXXX XXXX XXXX, which I assume is located in Georgia through a XXXX search. There is no phone number associated with their online website either. Only an email is provided. I tried emailing the company multiple times at XXXX, XXXX, XXXX all from which I have had no response. I want to close my account and pay any remaining balance since the card company is no longer taking applications and it seems to be an issue many users are having. At this point I would like to dispute any interest that may have accumulated because I can not access customer service of the company who currently owns the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding Citibanks handling of a billing dispute for a {$600.00} credit card charge dated XXXX XXXX, 2025. I disputed the charge on the basis that the services provided did not match what was represented and resulted in harm. As part of my dispute, I submitted color photographic evidence documenting the condition at issue. On or about XXXX XXXX, 2026, I received a denial letter stating that the documentation provided did not support my billing error claim. After receiving this denial, I contacted Citibank to confirm whether my submitted photos had been reviewed. During that call, I was informed that although I had submitted the images in color, they were appearing in black-and-white within Citibanks system. I was not notified of this technical issue prior to the initial denial. I was advised to resubmit the photographs in PDF format, which I did promptly. The dispute was re-reviewed, and on XXXX XXXX, 2026, I received a second denial letter stating that I received the services for which I contracted and that Citibank had exhausted all dispute resolution options. My concern is not only the outcome, but whether a reasonable and thorough investigation was conducted. The initial review appears to have been made without properly viewing the full photographic evidence due to a technical formatting issue. Additionally, the denial letters do not explain what documentation the merchant provided, what specific standard was applied, or how my submitted evidence was evaluated in reaching the conclusion. I am requesting clarification regarding the investigative steps taken, what documentation was relied upon, and how the determination was made that the services were provided as agreed despite the evidence submitted.

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