vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am filing this complaint regarding Discovers handling of a credit card dispute involving a {$2500.00} refundable deposit charged by XXXX on XX/XX/year>. 

The charge is clearly labeled Refundable Deposit on the merchant receipt. I requested a refund directly from the merchant beginning XX/XX/year>. On XX/XX/year>, the merchants XXXX confirmed in writing ( via text message ) that the refund would be issued. Despite this confirmation, no refund has been processed. 

I provided Discover with extensive documentation, including : The receipt explicitly stating Refundable Deposit Email correspondence showing multiple refund requests Text message confirmation from the merchant approving the refund Despite this clear evidence, Discover has prolonged the dispute process without resolution. The dispute has now been ongoing since XX/XX/year>, with no meaningful explanation as to why additional investigation is required when the merchant has already acknowledged and authorized the refund. 

I am a long-standing Discover customer and am extremely disappointed by the inefficiency and lack of consumer protection demonstrated in this case. Comparable disputes I have had with other credit card issuers were resolved within XXXX to XXXX business days. Discovers handling of this matter has been unnecessarily time-consuming and stressful. 

I am requesting CFPB assistance to ensure Discover promptly resolves this dispute, applies the appropriate credit to my account, and reviews its dispute resolution procedures in cases involving clearly refundable charges with documented merchant approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In XX/XX/year>, I purchased a new vehicle and financed it through the dealer. During the transaction, I was pressured into purchasing multiple optional add-on products ( including GAP, theft protection, service contracts, and road hazard coverage ). I was not clearly informed that these products were optional, nor was I given a meaningful opportunity to decline them. 

The costs of these add-on products were capitalized into the loan amount, significantly increasing the total amount financed and my monthly payment. I later learned that these products were optional and cancelled them. 

The confirmed refund amount was {$1900.00} ; however, this refund was not applied to the loan principal. Instead, it was applied in a way that did not reduce the principal balance, causing me to continue paying interest on amounts that should have been removed from the loan. 

I also made an early {$1000.00} payment, requesting that at least {$200.00} be applied to principal, but this request was not honored. 
As a result, I have paid excessive interest, my loan balance remains inflated, and my financial situation and credit score have been negatively impacted. I believe the dealer engaged in high-pressure sales tactics and payment packing, and the lender failed to properly apply refunds and payments to principal.

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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: AR

Complaint narrative:
I spoke to them last week and explained my financial situation in which they agreed to accept payment as long as it wasn't XXXX days past due. I was told I would not be harassed or contacted regarding this unless and until the payment was XXXX days late. In the last XXXX hours they have called me XXXX times, and I have explained I am at work and can not receive personal calls or I will lose my job and asked them not to call with in these hours. They told me that they have a process and this is it and they would continue to call me as much as they want until the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Good morning My card keeps declining every time I try to buy something and I checked my balance it has XXXX dollars but it says it has an open case case I opened one on accident trying to do something else and I Called them and I did everything I could but it says that the case will be closed after 35 to 45 days but I need the money now for something I need to buy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Starting from XX/XX/year> I noticed a charge on my Capital one card of {$32.00} every month connected to the document company known as XXXX. I made several attempts to cancel this unwanted subscription but Capital one credit card company refered me to XXXX. I made numerous calls to cancel by telephone but i was not given the opportunity to talk to a representative and I am currently being charged for a service that I do not use. Also, when I make a payment on my capital one credit card the payment amount is no longer being reflected instantly in my account when I look at my app. I also get charged unreasonable fees by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding serious issues with the Ulta Beauty Rewards Credit Card issued by Comenity Bank.  These problems began in XX/XX/year> and have never been resolved. After approval, I never received my credit card, and I was never provided access to my account online. I was also never able to reach a customer service representative despite multiple attempts by phone and through other channels. At no point was I told a replacement card was being sent or that the issue would be corrected. I was left with no way to activate the account, view statements, make payments online, or manage the account in any way. Despite this complete lack of access, I still paid off the balance in full. However, Comenity Bank continued to charge late fees, even though the inability to make timely payments was entirely due to their failure to provide me with a card or account access. These fees are improper and unjustified. I am requesting : A full refund of the {$140.00} in wrongful late fees. Written confirmation that my account is in good standing. XXXX that no negative credit reporting has been or will be submitted regarding this issue. Ulta Beauty and Comenity Bank have demonstrated unacceptable negligence by failing to provide basic account access while continuing to charge fees. 

I submitted a complaint to BBB with no results. 

Ulta sent me paperwork containing copies of old billing statements for a credit card account that I never received and never physically possessed. Despite providing statements, Ulta is still refusing to issue or reissue the actual credit card tied to this account.

I want to be very clear : I have never received this credit card I have never activated this credit card I have never had physical possession of this card Charges have appeared on the account despite this Ulta can not confirm who has possession of the card Ulta is refusing to send me a replacement card or secure the account This creates a serious concern of unauthorized use or fraud, as someone else could be in possession of a card issued in my name.

Providing statements does not resolve the core issue : I do not have the card, yet the account is active and accruing charges. 


Ulta has failed to : Secure the account Investigate possible fraudulent possession Provide a card to the actual account holder Resolve unauthorized charges Protect my consumer and credit rights Requested Resolution : I am requesting the following actions immediately : Written confirmation that the original card is permanently canceled Full investigation into unauthorized possession and use Removal of any charges incurred while the card was not in my possession Written confirmation that my credit will not be negatively impacted Issuance of a secured replacement card or permanent closure of the account at my request

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

Complaint narrative:
NCA Account # : XXXX ( XXXX  ) Issue : Unverified debt reported as disputed by the consumer. 
Violation ( s ) : FCRA 1681i, 1681s-2 for failure to verify disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I got a notice to appear in court for a debt that I have no idea about. The account was opened in the name of XXXX XXXX, that is not my legal name. On XX/XX/year> I called the original creditor XXXX XXXX  and XXXX and asked them to confirm I never had an account under this account number or under this false name, which was confirmed I never had this debt. The debt is in the amount of {$2100.00}. I filed an idenity fraud report on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
My Chime account was compromised through an account takeover around XX/XX/year>. My personal information was changed without my authorization and {$770.00} was transferred to another Chime member whom I do not know. I did not provide login credentials, verification codes, or authorize this transfer. Chime denied my dispute claiming authorization, but has not provided evidence of authorization 4 times. I submitted screenshots and a police report showing clearly that other devices were logged into my account from all over the world during the times I was hacked. Chime also failed to freeze or secure the account during the takeover. I am requesting reimbursement under Regulation E ( 12 CFR 1005 ) for an unauthorized electronic fund transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: NC

Complaint narrative:
XX/XX/XXXX Discovered a collection on my credit report that does not belong to me. Disputed the collection and it was removed. 
XX/XX/XXXX Collector I believe sold my information to the new collector and it reappeared on the credit bureaus under a different company. 
XXXX submitted disputes and in XXXX it was removed. 
XXXX reappeared on my reports, submitted disputes again with no resolution. 
XX/XX/XXXX mailed a certified letter directly to the collector, requesting proof of ownership and documentation. 
XX/XX/XXXX certified letter was received by the collector per the USPS website XX/XX/XXXX I disputed the collection account with XXXX stating that the debt had not been validated and could not be verified as accurate. 
XX/XX/XXXX XXXX responded with an automated dispute result stating that the account was verified and it adheres to the law, without requiring the collector to provide proof of ownership or documentation of accuracy. 
XX/XX/XXXX I submitted additional documentation to XXXX including proof of my certified validation request. The account continues to be reported without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I was arrested on XX/XX/year> and my then cash app got hacked. On the third off XXXX, there was XXXX something removes from my account. On XX/XX/XXXX the final XXXX something was removed, leaving me a zero balance. This is unacceptable. My check was deposited every week. I never used anyone else, it was only cash app. I had no emergency contact, so I couldn't of had someone else do it. I depended on that money upon my release. Not too mention they won't even give me my claim refusal documents, so I can at least see why they refused my claim. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a {$100.00} American Express gift card. I tried to use it at XXXX grocery store, XXXX and a medical billing site. All transactions would not go through. Extremely disappointed and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding regions bank and the sudden closure and restriction of my long-standing business accounts.

I have maintained a business checking account with this bank for approximately five years. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and this account is used for payroll, incoming deposits, and day-to-day business operations. 

In XX/XX/2025, my spouse and I sold our personal residence and updated the mailing address on our business account. Because of the nature of our business, we travel frequently and were overseas on vacation at the time. 

While we were abroad, the bank attempted to call to verify the address change. Because we were overseas, they were unable to reach us by phone. Without any written notice, email, or alternative verification attempt, the bank cancelled and restricted all of our business accounts.

As a result : I lost all access to my business funds Payroll deposits were rejected Incoming payments from customers were declined I am currently unable to run payroll or operate my business I was told by customer service that they can not provide information and that I must appear in person at a branch Because I am overseas, this has forced me to cancel my trip and return to the United States solely to regain access to my own business funds.

Why this is a problem The bank took extreme action without adequate notice or reasonable verification methods, despite a five-year relationship and the account being essential for business operations. The account closure has caused significant financial harm, business disruption, and unnecessary travel expenses.

What resolution I am seeking I am requesting that regions bank : Immediately restore access to my business accounts and funds Provide a clear written explanation for the account cancellation Review and correct the handling of this matter to prevent further harm Address the financial and operational damages caused by the account closure and rejected payroll deposits

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
Stegner and Stenger represent XXXXXXXX XXXX  in case XXXX XXXXXXXX XXXX ohio and recently put a XXXX  % wage garnishment on my check this will cause me to not afford my rent and face eviction and no longer able to afford my bills. I am XXXX years old a credit score of XXXX no savings no XXXX I live paycheck to paycheck and my current bank is overdrafted month after month this garnishment will cause me to lose everything my job my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was approved for a new Capital One XXXX credit card and successfully completed identity verification in the app using my government ID and live photo.

After activating and using the virtual card, Capital One blocked my account for suspected fraud. I was unable to receive SMS verification due to the account being new, despite the phone number being valid.

I re-uploaded my ID and proof of address through Capital Ones secure link. I was then told resolution could take up to 10 business days, leaving me unable to access approved credit.

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

Complaint narrative:
XXXX XXXX XXXX Account # : XXXX ( XXXX  ) Issue : Account marked as charge-off ; status conflicts with remarks.

Violation ( s ) : FCRA 1681e ( b ) for inaccurate reporting.

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 2026-01-13 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: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Im unable to withdraw my funds from my closed robinhood account after multiple times theyve verified that it was my funds and account now theyre saying they cant verify

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX for my dispute claim number for {$17.00} for dispute claim number XXXX for XX/XX/XXXX make sure international transaction fee {$0.00} and XX/XX/XXXX international transaction fee {$0.00} and for international transaction fee {$0.00} on XX/XX/XXXX and for XX/XX/XXXX {$0.00} is included in my dispute and dispute and automatically refunded and reversed and credited back to my account for checking account number is XXXX and make sure all those fees are credited back to my account as a final permanent credit given to my account etc. Update when I called in today to the dispute number department the lady told me my claim number dispute number is XXXX was already closed and resolved with a for {$17.00} and I told her why and I wasnt notify by mail or anything like that about then claim status she claim I was credited for {$17.00} and I asked her about the international transaction fees for {$0.00} on XX/XX/XXXX and XX/XX/XXXX for {$0.00} and XX/XX/XXXX {$0.00} and for XX/XX/XXXX {$0.00} and XX/XX/XXXX {$0.00} and she told me they couldnt be disputed or refunded or she couldnt dispute it but the last agent told me they will automatically be refunded or reverse or credit back into my account when I win my dispute but I did win it but those fees wasnt automatically credit or refunded back or reverse so please credit those fees back to me and look at my attachments below etc.

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 2026-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
Mr. Cooper has been paid out judgements recently for multiple issues related to predatory lending and is continuing to do so. I was advised ( improperly ) to not make payments and to request a loan modification which I feel put me in the position where Mr. Cooper could take advantage of the situation. They denied all modification option except a 40 year modification which raised my interest rate from 2.75 % to 6.75 % which increased my payments {$900.00} per month and added an additional 13 years worth of payments. They deliberately delay the modification review process, give incorrect and conflicting information, and deliberately deceive people who are already in a vulnerable state. Contact numbers are incorrect, customer service agents are not knowledgeable about mortgages, and are deceitful in their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I entered into a payment plan with this collection law firm. I authorized recurring payments and ensured sufficient funds were available. I made multiple good-faith attempts to pay, but the firm failed to withdraw any payments. 

Because the firm did not process the authorized payments, they added interest and/or fees to my balance. These charges are inaccurate and were caused solely by the firms failure to process payments, not by any refusal or inability on my part to pay. 

I have contacted the firm multiple times by phone and email to resolve this issue and received no response. I have documentation showing my payment attempts and communications. 

I am disputing the inflated balance and requesting correction of the account, removal of improper interest and fees, and written confirmation of the accurate amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist has maliciously batched charges to bring my account below {$0.00} and despite adding funds within hours of each time the account was below XXXX to fix the problem, Truist still has charged an overdraft fee. The account is not overdrawn yet Truist insists on extorting their ludicrous fee for absolutely no reason.

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