vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 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: NV

Complaint narrative:
This dispute is regarding the XXXX service, which is owned and operated by PayPal , Inc XX/XX/year> is when this started I paid for an item with my XXXX card {$1000.00} to the company XXXX XXXX A couple days later I noticed that I never received a confirmation email and reached out to the customer service through email and after a back and forth with them they determined that they did not receive a payment so no item would be sent and that I should reach out to my card provider which is XXXX It is difficult to get a hold of anyone through XXXX. I had to open a dispute through the app and wait XXXX days for a response. They asked for more information. I provided a receipt and even the email thread from XXXX XXXX and a contact from their customer service. They denied the dispute. I found a number to call and after finally getting through to a person. They said they would reopen the dispute. When someone finally emailed back, they said that the dispute was closed without knowing another person from their company had reopened it... And mind you this would take days between emails for them to reply... I finally just demanding to be sent to someone in management that would actually take my situation seriously and the last email I have is someone saying that they are looking into it and now it is XXXX and I am still missing {$1000.00} from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding the financing used for solar panels installed on my home through momentum, solar, and finance by dividend finance fifth third. At the time of sale, I was told that the solar system would reduce or eliminate my electric bill and that the financing terms could be affordable and in my best interest I now believe the loan terms total amount finance fees, and payment obligations were not fully accurately explained I was not clearly informed of any dealer fees finance charges hidden markups tax credit payment requirements. All the total cost of the loan over is full term. I also believe the expected savings and benefits were misrepresented in order to obtain my agreement to sign the financing documents. I am requesting an investigation into possible deception, ending practices, misrepresentation of loan terms disclosure fees, and in a negative credit recording or collection activity related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
My mortgage was bought by Rocket. They never sent me an escrow statement, but I found out that my mortgage was increasing by XXXX/month because they have the wrong information for my insurance. I have uploaded the declaration page for my current insurance and my agent emailed a copy, but they still show the wrong amount are are still basing my escrow on an erroneous insurance amount ( XXXX ) when it was XXXX. I then was told that I had a shortfall in escrow and so I paid it ( XXXX ) instead of paying the additional XXXX/month. They just sent me another escrow statement showing the same shortfall, and it does not reflect my payment. I have tried calling and chatting, and no one can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to formally request an investigation into the accuracy and completeness of the reported payment history for the following account : Creditor : Capital One This account is currently reporting multiple delinquency notations ( XXXX days late ) in XXXX. I am requesting full verification of this reporting, including : The exact dates each delinquency was recorded Whether the account status was properly updated once brought current Whether all reporting complies with the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and completeness Whether the reporting reflects any accommodations or communications made during a documented hardship period During this time, I experienced a severe and documented personal hardship due to the passing of my spouse. I was also on XXXX leave from work. Throughout this period, I made numerous calls to Capital One requesting a reassessment of available hardship programs. Despite clearly communicating my financial limitations, I was repeatedly offered the same program, which was not affordable under my circumstances. Additionally, I was informed on multiple occasions that I did not qualify for alternative XXXX assistance because I had made a {$1000.00} payment the prior month, and was advised that I would need to stop making payments in order to demonstrate XXXX XXXX. This conflicting guidance placed me in an impossible position and directly contributed to the delinquency reporting now reflected on my account. I made consistent, good-faith efforts to resolve the account and seek reasonable accommodations. Given these circumstances, I am requesting that XXXX : Conduct a thorough investigation into the accuracy of all reported delinquency data Verify that all reporting reflects correct dates, status updates, and full compliance with FCRA standards Remove or correct any information that can not be fully verified as accurate, complete, and properly reported If Capital One is unable to verify this information with complete accuracy, I request that the delinquency notations be removed from my credit file. Please provide me with the results of your investigation, including the documentation used to verify this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased an item from XXXX XXXX for {$3200.00}. I initiated a return by mail the very next day. XXXX month later, XXXX XXXX sent the item back to me with a letter claiming it was " not XXXX XXXX merchandise. '' This is false, as the serial number on the product matches my original receipt. Furthermore, I returned the item in a closed/sealed box, but XXXX XXXX returned it to me opened, then refused an in-store return by claiming the item had been " tampered with '' even though they were the ones who opened it. I filed a formal dispute with Bank of America on XX/XX/XXXX, which is well within the XXXXday Visa Network Rule window for " Credit Not Processed '' ( Reason Code 13.6 ). Bank of America denied my claim, stating it was filed after their " XXXX-day rule. '' By doing this, the bank is misapplying the XXXX-day " Billing Error '' timeframe from Regulation Z to a merchandise return issue that is explicitly covered for XXXX days under XXXX own merchant operating rules. The bank has failed to investigate the actual merits of the case ( the matching serial numbers and the merchant 's handling error ) and is instead using an incorrect timeframe to avoid the dispute process.

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 monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am a Best Buy Credit Card holder ( issued by Citibank ). On or around XXXX XXXX, Citibank converted my account from a " XXXX XXXX '' to a " XXXX XXXX '' without my explicit request or prior notification. On XX/XX/year>, I made a timely payment in full via the Best Buy online portal. According to Citibank representatives, this payment was misapplied to a " back-end '' account associated with the old store card instead of the new XXXX account. This internal routing error caused my account to be incorrectly flagged as XXXX days past due, resulting in a credit bureau strike and an " Adverse Action '' where my credit limit was slashed from $ {$6900.00} to {$350.00}. The Issue : Misapplied Payment : The bank admitted the payment was misdirected due to their own internal migration process. Lack of Access to Records : Since the conversion, my online portal has been " wiped clean. '' I can no longer view my statement history, past purchases, or payment confirmations, which is a violation of my right to access billing records. Punitive Credit Reduction : Despite admitting the error was a result of their botched account upgrade, Citibank refuses to restore my original credit limit.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
File complaint and request Assistant regarding several credit inquires listed on my credit report that I believe are unauthorized inaccurate or in violation of the fair credit report ( FRCA ) REGIONALAC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX syncb XX/XX/XXXX XXXX XX/XX/XXXX Factual date XX/XX/XXXX Information XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kovo
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding my account with Kovo Credit. I am requesting immediate assistance in terminating and closing my credit line, as I am no longer receiving any benefit from this service. At the time I opened this account, I understood it to be a tool that would provide value in helping me build or manage my credit profile. However, based on my experience, this product has not provided meaningful benefit. I no longer wish to maintain this account or continue any relationship with Kovo Credit. Despite my intention to discontinue use, I am concerned about potential ongoing account activity, reporting, or obligations that may persist if the account is not properly closed. I want to ensure that : My credit line is fully terminated, No further charges or fees are assessed, The account is reported accurately to all credit bureaus as closed at my request, and There is no negative impact to my credit profile as a result of discontinuing this service. In addition, I am formally requesting a review of my account for any fees, charges, or payments made that did not provide corresponding value. To the extent applicable, I am requesting refunds for any such amounts. I am formally requesting that the CFPB intervene and ensure that Kovo Credit processes my request promptly and in accordance with applicable consumer protection laws and fair credit reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank accepts funds without permission, XXXX $ were direct deposited into an old account that has been closed and charged off. Three representatives told me that on XX/XX/2026 the funds have been sent back to the original sender, called for the past three weeks to get this resolved and have had no luck, the chase bank institution stated its an involuntary payment that has been received and accepted on XX/XX/2026. The oag informed me to contact the bank to get this resolved and their collections team and recovery department were unable to help. The chase account was not in good standing due to them not wanting to fix a fraud issue, it ultimately forced me to change banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My student loan serviced by XXXX is being reported as delinquent/negative on my credit report when I was eligible for deferment at the time the negative reporting occurred. I have disputed this account because the status being reported is inaccurate and does not reflect my deferment eligibility under federal student loan guidelines. I am requesting that XXXX provide documentation verifying that this account was correctly reported, including proof that deferment options were properly evaluated and that the payment status, dates, and balance are accurate. The inaccurate reporting is harming my credit profile and has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a complaint regarding Goldman Sachs ( Apple Card ) for mishandled disputes, failure to properly investigate fraudulent misrepresentation, billing inconsistencies, and improper account closure without explanation. The transactions in question are : XX/XX/year> : {$3500.00} XX/XX/year> : {$680.00} XX/XX/year> : {$680.00} Total : {$4900.00} These charges were made to a vacation membership company XXXX XXXX XXXX XXXX in XXXX under XXXX sales tactics. I was pressured into signing a contract and misled by false representations of benefits that were not actually provided. The merchant later indicated the contract was cancelled, however no refund was issued. Despite disputing these charges under services not as described, the dispute was denied. Additionally, during the dispute process, a credit balance of approximately {$1600.00} appeared on my account but was not refunded and was instead applied internally without clear explanation. I am now being charged {$3200.00} with no clear accounting provided. I also requested a review of my account after reopening the dispute, but my Apple Card account was subsequently closed. I received a letter regarding the closure ; however, the letter did not provide a clear or specific explanation for why the account was closed. I am requesting : 1. A full reinvestigation of the disputed charges 2. Verification of cancellation and refund status with the merchant 3. A complete written accounting of all credits, reversals, and balance calculations 4. Correction or refund of any improperly handled funds 5. A clear explanation for account closure and proper adverse action reasoning 6. A full review of dispute handling procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was compromised and Bank of America told me that my money will be in my account on the XXXX XXXX then denied it and said it was me when my card was clearly used and account compromised and another state other than the state I live in they did not have any info on denying me but saying my account was logged into and my pin was used no real proof when I live in California I need my money back asap on the XXXX XXXX XXXX they said.

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 monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding Chases payment allocation practices and inability to provide a clear or workable method to pay off Pay Over Time plans. Timeline : On my statement due date, I paid the minimum payment. Immediately after, I initiated a balance transfer at 0 % APR. The following day, I paid the full statement balance with the intent to satisfy my prior statement and close my Pay Over Time plans. Despite this, Chase applied my payment to the newly posted balance transfer instead of closing my Pay Over Time plans. As a result : My Pay Over Time plans remain active even though I attempted to pay them off in full. My payment was instead applied to a 0 % APR promotional balance that I did not intend to pay down. Chase has stated that this outcome is due to the timing of the balance transfer posting relative to my payment. However, at no point was it disclosed that : A newly posted transaction would override a full statement payoff, or Paying the statement balance would not close Pay Over Time plans under these conditions. I contacted customer service multiple times and escalated to the executive office. I received inconsistent explanations : One representative stated payments are applied to highest APR balances first. Another stated payments are applied to lowest APR balances first. The executive office attributed the issue to timing but could not clearly explain the allocation methodology. Critically, Chase could not answer : What exact amount I should have paid to fully close my Pay Over Time plans at that time, or Whether a payment made now ( such as the interest saving balance ) would close the plans or again be applied to the balance transfer. This means there is no clear or predictable way for a customer to exit Pay Over Time plans once multiple balance types exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing this complaint based on fraud and material misrepresentation in connection with the sale and financing of a vehicle. At the time of purchase, I was not informed that the vehicle carried a salvage title. The failure to disclose this information is a material omission, as a salvage designation significantly impacts the vehicles value, safety, and insurability. Under Texas law, including the Texas Deceptive Trade Practices Act ( DTPA ), it is unlawful to fail to disclose known material facts with the intent to induce a consumer into a transaction they otherwise would not have entered. Had I been properly informed of the vehicles salvage status, I would not have agreed to purchase or finance the vehicle. Upon discovery, I contacted the finance company and was informed that there is no signed documentation confirming that I was properly notified or that I acknowledged the salvage condition. This raises serious concerns regarding compliance with disclosure requirements and the validity of my consent to the transaction. As a result of this misrepresentation, I have suffered financial harm and ongoing hardship. I am formally requesting immediate cancellation ( rescission ) of the contract and a full refund of all payments made. If this matter is not resolved promptly, I am prepared to pursue all available remedies under Texas law, including filing formal complaints and seeking legal action These are the fallowing dates listed when I found out that the vehicle was salvage & started contacting them. XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they still have not given me a status of the case or a response on whats gon na happen and they just keep giving me the runaround to call certain days and I will have a response or a status on the case and theres never a response or status and I have to keep repeating myself to different agents and theyre not helping at all, its been happening about a month already and still no response no status on the case at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: OK

Complaint narrative:
This collection showed up on my credit I contacted the company they have not sent anything showing this is my debt so they took it off of my credit on credit karma however i tried to get a line of credit and this debt is showing up now as new debt XXXX XXXX i did not have t mobile and they are saying this is from t mobile

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