vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have been using PayPal for XXXX years for our XXXX XXXX business where we create XXXX review and try-out videos for companies that sell products on XXXX. The majority of our clientele are located in XXXX which is why we needed an international money transfer service. The XXXX sellers all use PayPal so we created a PayPal to be able to accept payment for creating review and try-out videos for their products as we are influencers and we charge for our time to make a video. PayPal has since shut my account down citing policy violations but has yet to provide detailed information as to how I violated the policy. They requested additional information on a few transactions to verify their legitimacy. We provided detailed information which is attached to this complaint for your review to show we were paid for services rendered. We even provided screenshots showing our videos on the XXXX product pages with our business name fully visible. We are not doing anything that violates XXXX 's terms. We are simply collecting payment for influencer services rendered and PayPal refuses to open our account so we can continue operating normally. This significantly impacts our business as the XXXX seller rely solely on PayPal for international money transfers. This is a service PayPal offers and we are not doing anything with our account that would violate policy. Please help us get our account back. In the attachment you will see each PayPal transaction they asked about along with our detailed explanation and proof showing our emails and chats with the sellers or sellers agents that provided us with a screenshot of their payment to us which fully aligns to the payment received in our PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TN

Complaint narrative:
I filed for bankruptcy in the United States Bankruptcy Court for the XXXX XXXX of Tennessee on XX/XX/XXXX. My Block, CashApp Borrow, CashApp Overdraft, and XXXX debts were included in the filing, case no XXXX CashApp seized a direct deposit on XX/XX/XXXX and applied it to the Borrow debt in violation of the stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year> at approximately XXXX PM, a Pay Anyone person-to-person transfer of {$220.00} was sent from my Chime account to $ XXXX. I did not authorize, initiate, or approve this payment. I did not share my login credentials with anyone. I only became aware of the transaction after it was already completed. I immediately reported this transfer to Chime as an unauthorized transaction / account takeover. Chime denied my claim stating that no error occurred and closed the case without providing evidence that I authorized the payment. I am disputing this decision and requesting reimbursement of the unauthorized {$220.00} transfer and a proper investigation under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I contacted my bank, Discover, to file two separate disputes after I was badly XXXX  during a XXXX XXXX XXXX XXXX XXXX  and they did not refund me the full amount. The disputes were filed XXXX for {$320.00} and {$70.00}. I purchased a XXXX XXXX removal package on XXXX for {$450.00}. It was a package of six sessions. What was supposed to be my second session was canceled because the tech quit earlier that day, and I was not informed before I drove all the way there. They said they would not a credit for my next session and not charge me for my XXXX, which I was paying for on a session to session basis instead of buying a package. On my third visit, I was burned because they had not been using the proper settings on the machine. They were using the XXXX setting, and that setting is notorious for burning people with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They should have been using the XXXX XXXX XXXX to prevent this. After the session, I felt an intense heat in my skin that lasted for hours. The next day, I noticed a burn in the area. I called them and sent evidence of the burn, and they said they would prorate my refund, including the credit used in my last session. I had to call several times for them to finally issue my refund week later however, they only issued a refund of {$50.00}. I only used XXXX credit of the XXXX since neither the second or third session credit were used. The refund should've been for {$320.00} ( each session was {$75.00} without the package ), and I received not refund for my XXXX. I uploaded emails and a picture of the burn to the dispute to my bank and they still found the charges valid. I don't think they even looked at my submitted evidence because none of it was in the case letter they sent me after finding it valid, just the merchant evidence. They are clearly not doing their due dilligence and looking out for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I initiated an ACH payment of {$560.00} to XXXX for my auto loan. The payment was accepted and I received confirmation emails from XXXX indicating the payment was processed. 

On XX/XX/year>, Chase reversed the ACH payment and assessed a {$15.00} NSF fee. I was not notified of the reversal at the time it occurred and did not receive any advance or timely notice that the payment had been returned. 

Because I believed the payment had been successfully made based on the confirmation I received, I was unaware the account had become past due again. As a result of the ACH reversal, my vehicle was repossessed. 

After discovering the issue, I contacted Chase to dispute the reversal and the lack of notification. I was informed that Chase would not provide reimbursement or assistance. I also contacted the auto lender to address the repossession. 

I am disputing Chases failure to notify me of the ACH reversal, which directly caused financial harm, including repossession and related fees. I am requesting reimbursement for all costs and damages resulting from this failure to notify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have been a victim of identity theft I dont owe none of the money they said they have a civil sue against me and gone garnish wages

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On the XXXX of XXXX at approximately XXXX, While at work, I opened by banking app and discovered some fraudulent transactions of almost XXXX dollars. I quickly reached out to the bank to stop the transactions and cancel my debit. A partial refund was debited to my account by the bank. Navy credit union. They told me an investigation will be carried out. Days passed I didnt hear any response from the so I decided to reach out only for the bank to tell me that the money can not be refunded because they think I authorized or knew about the transaction. so I was told I will not be given a refund and the partial refund I received will be taken back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I went to XXXX  and couldnt pay for the truck anymore when I came home the truck was damaged and I turned the truck back into the bank as they told me to and sent pictures of the damage and the account was written off and the bank hasnt took the loan off my credit account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Zip ( Buy Now Pay Later provider ) for failure to resolve a fraudulent transaction and for improper collection activity on a disputed account. 
I used Zip to purchase credit repair services from a merchant that later proved to be a scam. The merchant received full payment from Zip but never provided any services. I was repeatedly promised onboarding calls, account setup, and service delivery, which never occurred. Eventually, the merchant stopped responding entirely. 
Upon discovering this, I promptly notified Zip and provided evidence, including screenshots of communications showing the merchants false promises, delays, and ultimate disappearance. Zip acknowledged that the transaction appeared to be a scam and stated that a specialized department would contact me to resolve the issue. 
Despite this acknowledgment, Zip never followed up, never resolved the dispute, and stopped responding to my inquiries. When I attempt to contact Zip now, representatives either disconnect the call or refuse to assist. Meanwhile, Zip continues attempting to charge me monthly and is now threatening to send the account to collections for a debt arising from a fraudulent transaction. 
Zip is attempting to collect payment for services that were never rendered, despite having notice of fraud and acknowledging that the merchant appeared to be a scam. This conduct is unfair and deceptive and places me at risk of financial harm and credit damage for a transaction that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the following entities for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Indiana State Law. 
Disputed Accounts : XXXX. TEK COLLECT INC - Balance : {$930.00} XXXX XXXX XXXX - Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX - Balance : {$430.00} XXXX. XXXX XXXX XXXX - Balance : {$890.00} XXXX XXXX XXXX XXXXXXXX XXXX - Balance : {$1000.00} Violations & Legal Basis : I am a resident of XXXX, Indiana. These entities are reporting alleged debts on my credit report without my permission and without providing proper validation as required by law. 
XXXX. Lack of Contract & Chain of Title : I have never entered into a contract with any of these third-party agencies. They have failed to provide a complete " Chain of Title '' or " Deed of Assignment '' proving they legally purchased these specific alleged debts from the original creditor. Under Indiana XXXX XXXX, a transfer of rights requires strict evidence of assignment, which I have not received. 
XXXX. FDCPA Violation ( 15 U.S.C. XXXXg ) : I demand strict proof of these debts, including the original consumer contract bearing my signature. A simple computer printout or " verification '' letter is insufficient validation under federal case law ( XXXXXXXX XXXX XXXX ). 
XXXX. FCRA Violation ( 15 U.S.C. XXXXi ) : These accounts are unverified. I dispute the accuracy and completeness of these trade lines. The furnishers have failed to conduct a reasonable investigation or provide the " Method of Verification '' used to verify these accounts with the credit bureaus. 
XXXX. Indiana Collection Agency Act ( XXXX. XXXX XXXX ) : I question whether these agencies are maintaining the proper surety bonds and licensing required to collect debts in the state of Indiana . 
Demand for Resolution : Reporting inaccuracies on my credit report causes strict liability under the FCRA. Since these agencies can not provide the original contract or a valid Chain of Title, they are legally required to remove these negative items immediately. 
I demand the immediate deletion of these XXXX accounts from all credit reporting agencies ( XXXX XXXX XXXX ) within XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
Date XX/XX/year> Amount {$1200.00} Dispute Under jurisdiction The company promised to put XXXX months pass due payment behind the loan but no update...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have come down with a disease that XXXX XXXX XXXX and Im losing all XXXX  and cant work Im in XXXX Im unable to work and lost everything Ive worked for an only and type and Im slowly losing that ability also day by day Im taken care of by the state of Michigan XXXX XXXX Medicare and dont have any money

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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I TRULY HATE THIS BANK THISXX/XX/XXXX SHOULD NOT BE ALLOWED TO OPERATE IN US. They updated their app and I can Not access my account now I been On the phone on a recorded call XX/XX/XXXX times with these XX/XX/XXXX I have So many problems with this bank including not recording direct deposit XX/XX/XXXXon time, accessing apps, filing disputes. I have Every intention to sue this bank as soon as I am Back to the United States in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Meta Payments Inc.
State: ME

Complaint narrative:
b"My account has been blocked for no reason. I can't appeal. Help me. These accounts are important to me! Thank you. Please reactivate my accountsXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I booked an apartment stay for XXXX XXXX XXXX XXXX  via Capital One XXXX XXXX XXXX charged XX/XX/year>. During our stay, the power, heat, hot water, and toilets were not working. We reached out to the person/agency who owned the apartment and they could not resolve the issue. We also reached out to Capital One during our stay in another country, and they did not do anything to help. We had to move hotels on our own at midnight ( XXXX, XXXX time ). When we got back to the XXXX, we filed a dispute and they said due to the no cancellation policy, they will not reimburse. Capital One booked through XXXX, but our emails say its from XXXX and we have no Hopper confirmation number or info on emails from Capital One. Per XXXX  Always Get What You Expect : If at any time during your stay you find the Home isn't as advertisedfor example, the air conditioning stops working and your host can't easily fix it, or it has fewer beds than listed you'll have XXXX days to report it and we'll promptly find you a similar or better Home, or refund you. We reported to Capital One XXXX during our stay but they would not help us and once we got home, refused to refund us. We essentially were stranded and had to walk to where we knew the nearest hotel was and thankfully there was staff present and a room available for the night. Then we had to find another hotel for the next day on our own again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint regarding serious delays, lack of clarity, and poor handling of my mortgage process by Bank of America during the purchase of my first home. 

From the beginning, the loan process was marked by repeated delays caused by unclear, inconsistent, or incorrect instructions from Bank of Americas lending team. Multiple requirements were either not communicated clearly or were communicated late, preventing the loan from reaching clear-to-close on time. 

The appraisal process was especially problematic. The bank did not clearly specify what was required from the appraiser, which resulted in the appraiser having to return to the property multiple times. Each return visit generated additional charges, increasing my out-of-pocket costs and delaying the transaction further. 

In addition, a property survey was not requested in a timely manner. When it was finally requested, it caused another delay that prevented the loan from reaching clear-to-close as scheduled. 

At one point, I personally had to write a detailed letter to the underwriter explaining my XXXX status ( I am an XXXX XXXX XXXX XXXX XXXX ) because the lender failed to properly explain my situation to underwriting. This was required to obtain conditional approval and should not have been my responsibility as the borrower. 

Due to these repeated delays, the seller became extremely frustrated and explicitly threatened to cancel the contract near the final stage of the transaction. As a direct result of the delays caused by the lender, I incurred approximately {$3100.00} in per diem charges. 

Even after all parties had signed the closing documents, funding was delayed further due to issues related to document handling and coordination between the bank, the title company, and notaries arranged by the lender. These delays occurred despite the fact that I had already signed all required documents and transferred my funds. 

Throughout the process, communication was poor, responsibilities were unclear, and I was frequently left without accurate information about what was required or who was responsible for the delays. The experience caused significant financial harm, stress, and uncertainty, especially as a first-time homebuyer. 

I am requesting that Bank of America review this matter, acknowledge the errors made during my loan process, and provide appropriate remediation for the financial damages and unnecessary delays I experienced.

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 2026-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
provided written notice of intent to move out on XX/XX/year>. I vacated the unit on XX/XX/year>. The approved contractual termination date was XX/XX/year>. The property issued a final move-out statement reflecting no balance owed after that date. 

I was never notified by mail, email, billing statement, or other direct communication of any outstanding balance. I was not advised to check a resident portal after move-out, nor did I receive any alert that charges had been posted. 

Despite this, the property referred my account to a collection agency. When questioned, the property claimed the balance was uploaded to the resident portal. A passive portal upload does not constitute proper notice, particularly for a closed account with a final accounting showing no balance. 

This debt is inaccurate, improperly referred, and unfairly escalated without notice or opportunity to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the following entities for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and XXXX State Law. 
Disputed Accounts : XXXX. XXXX XXXX XXXX - Balance : {$930.00} XXXX. XXXX XXXX - Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX - XXXX : {$430.00} XXXX. XXXX XXXX XXXX - Balance : {$890.00} XXXX. KEY 2 RECOVERY INC - Balance : {$1000.00} Violations & Legal Basis : I am a resident of XXXX, XXXX. These entities are reporting alleged debts on my credit report without my permission and without providing proper validation as required by law. 
XXXX. Lack of Contract & Chain of Title : I have never entered into a contract with any of these third-party agencies. They have failed to provide a complete " Chain of Title '' or " Deed of Assignment '' proving they legally purchased these specific alleged debts from the original creditor. Under XXXX  Code 26-1-9.1, a transfer of rights requires strict evidence of assignment, which I have not received. 
XXXX. FDCPA Violation ( 15 U.S.C. 1692g ) : I demand strict proof of these debts, including the original consumer contract bearing my signature. A simple computer printout or " verification '' letter is insufficient validation under federal case law ( XXXX v. XXXX ). 
XXXX. FCRA Violation ( 15 U.S.C. 1681i ) : These accounts are unverified. I dispute the accuracy and completeness of these trade lines. The furnishers have failed to conduct a reasonable investigation or provide the " Method of Verification '' used to verify these accounts with the credit bureaus. 
XXXX. Indiana Collection Agency Act ( XXXX. Code 25-11-1 ) : I question whether these agencies are maintaining the proper surety bonds and licensing required to collect debts in the state of Indiana XXXX 
Demand for Resolution : Reporting inaccuracies on my credit report causes strict liability under the FCRA. Since these agencies can not provide the original contract or a valid Chain of Title, they are legally required to remove these negative items immediately. 
I demand the immediate deletion of these XXXX accounts from all credit reporting agencies ( XXXX, XXXX, XXXX  ) within XXXX  days.

Company response to consumer: Closed with explanation