vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: NC

Complaint narrative:
A few weeks ago, I started XXXX  items on XXXX. They requested my bank information so they could make direct deposits of my funds. Before this, anything I purchased from XXXX went to my PayPal credit card but shortly after on XX/XX/XXXX, I noticed a charge for an item I purchased was sent directly to my checking account ( over {$900.00} ) and not PayPal XXXX I spent TWO days on the phone with them being switched back and forth from XXXX, to PayPal to PayPal XXXX ( which is separate from just PayPal ) trying to get them to correct it and transfer the charge from my bank account to my PayPal XXXX account, where I could make payments over time for the transaction. They said they couldn't do this, they kept telling me it wasn't their fault it was XXXX 's or PayPal XXXX  I kept getting referred to different numbers - sometimes automatically without even asking if I wanted to be transferred. Finally when I started being given the SAME numbers over again that I'd already been sent to for help, I gave up but they did tell me that my bank account had been REMOVED from my account for making PAYMENTS. Then on Tuesday, XX/XX/XXXX, I noticed XXXX charges to my checking account that originated from PayPal. One was for {$2900.00} that originated from XXXX XXXX - NOT even XXXX! I called them again and started getting the same runaround. - it was XXXX fault, it was PayPal XXXX fault. The charge wasn't even from XXXX!!! When I spoke with PayPaXXXX XXXX they said my account hadn't been charged or any charges denied. The account was okay. This needs to STOP. I can't even close my account- because I tried! I tried to remove my bank information, I can't!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX unit sent multiple letters of different amounts claiming that I owed them XXXX XXXX, then XXXX XXXX and then XXXX XXXXXXXX XXXXXXXX. I responded to their request for by tax returns for the year XXXX  in XXXX. Now I am receiving a letter claiming I have been sent to collections and owe XXXX XXXX XXXX I do not owe them this money. I tried calling the debt collection agency Pioneer Credit Recovery and there is no prompt to speak to anyone or to direct me to any kind of department. At this point I can not confirm that this is not a scam or some kind of elaborate fraud ring.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC SYSTEM INCis falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INCis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
The guy at Chase Bank called his name was XXXX, he gave me his number to call him back about my account being negative! His number is XXXX he called me Saturday, XX/XX/XXXX at XXXXXXXX XXXX  He asked for my social security number and I gave it to him - I thought he was the bank. I am in my XXXX 's with XXXX XXXXXXXX XXXX XXXX 

My daughter is my POA and representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On or about the evening of XX/XX/year>, while working out of town, my wallet was lost/stolen. I didn't recognize it was missing until a day or so later. I reported it to Cash App on XX/XX/year>. Unfortunately the Thief began using the Cash App card immediately and often at local gas stations and convenience stores. My wallet also held my license, several credit cards ( I was able to cancel ), a couple ATM cards ( cancelled ), but all of those are scrutinized more closely. Anyone viewing the charges can clearly see, THIS was the behavior of someone wanting to spend as much as they could, as quickly as possible. Otherwise, why would one buy several items from multiple Merchants when one could've bought all of those same items from one Merchant? To their credit, Cash App honored some of my requests for refunds ( the smaller ones ), while denying ( the largest claim ). But that is just the issue and defies all logic ; especially when all the charges resulted from the same claim. I asked Cash App to please give me their reasoning ; as IF the thief used some other criteria to defraud me on this solo transaction. They stated they would supply said reasoning, but they have yet to do so. Any prudent person can see, this is the work of a substance abuser or kid and does not reflect the history of how I used the account. 
1. There were several charges made in person ( by the thief ) in a 24hr period. Some of these charges were honored, while some were denied. Why was that? I believe some of the Merchants honored the rules for I.D . ( those were denied ) while some Merchants just wanted the sale and ignored the rules ( those charges were erroneously approved ) 2. My PIN is stored mentally and was not left in my wallet. I challenge anyone to show me its usage and I'll pay Cash App for wasting their time. 
XXXX. I am a Senior and only use Cash App to send minor funds to friends/family. I can not ever remember using my card in person to purchase anything. I challenge Cash App to produce a Merchant video of me making a purchase. Therefore the purchases don't reflect my spending habits/M.O. 
4. I have no incentive to catch a felony by attempting to defraud Cash App of {$100.00} XXXX. Lastly, why would Cash App honor part of my claim? Is it they have a cap?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: AZ

Complaint narrative:
Have 2 dispute cases open, I did receive a refund for one case but Capital One keeps closing the wrong case. I've notified them about it and provided documentation but they keep ignoring me and closing wrong case. 

The company has committed fraud. The refunds for XXXX and XXXX are for different purchases. You can clearly see in documentation I provided the refund for XXXX was on the same day as the purchase of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is an old joint account thats doesnt belong to me over 6 yrs ago. The collection agency bought the debt 18 months ago and never notified me or anything and last month was post to my credit report as a recent delinquent Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have a Chime savings account with multiple savings folders ( savings goals ). Every time I get paid, I split my paycheck into these folders ( pet, dental, etc. ). Ive been doing this for a long time and never had an issue until Friday. 

Starting Friday ( XX/XX/year> ), when I transfer money from a specific folder to my checking account, the money shows up in checking correctly, but the folder balance does NOT decrease. It looks like the money is still in the folder even though it was already transferred. 

Because of this, I accidentally transferred money more than once, since the app made it appear like the money was still there. I confirmed in my transaction history that the transfers did go through, but the folder balances never updated. 

Another change I noticed is that past transfers used to show the folder name ( for example, from dental ), but now the transfers only say from savings or savings to security deposit, with no folder name listed. This did not happen before the issue started. 

Ive refreshed the app a million times, logged in and out, and even deleted and reinstalled the app. No solution. I also logged in online from my computer to see if theres a difference, no difference. 

I contacted Chime support multiple times, including a supervisor. They had me keep transferring money, which did not fix the problem, and then told me there was nothing they could do. No technical ticket was opened. 

I was told to get transferring dollars from multiple agents and even a big amount such as {$50.00}. 

I rely on these folders to manage my money when I get paid, and this issue is preventing me from safely organizing my funds. I need this escalated to technical support and corrected so the folder balances properly reflect transfers again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
we got a check from the insurance company for the fire at the house for {$55000.00} check came and other party whose name was also on the check and she forged my name unto the check and cashed it and 70 % of the check is missing this happen on XXXX capital one bank XXXX XXXX new york XXXX XXXX XXXX XXXX ny XXXX i spoke to capitalone manager at at there fraud unit her name XXXX  she sent me a copy of the check and ask me to verify if thats my signature on the check i got the check called her XXXX back and told her no thats not my signature on the check i said to XXXX XXXX please take a look at the signatures on the check dont you see its the same person signs both names she told me she would open a fraud case asap and get back to me with the fraud claim number and she never did up until present today i file it in small claims court twice on capital one and my ex capital never showed up to the hearing i am in the process of moving it from small claims to supreme court civil i was told because of the amount on the check i am going to tghe supreme court on XX/XX/year> to get the paper work from the help center and to switch it from small claims court to the supreme court and capital one denied me purchace of an order because i complain to the courts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Lost or stolen refund — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
It was despite in wrong account and they refused to pay it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding Douglas Knight & Associates, who are attempting to collect payment for a disputed subrogation claim using misleading and coercive tactics.

They are claiming I owe money for an auto accident despite the following issues : The police report they rely on was created without any observed evidence. Both vehicles had been moved, and no tire marks or debris were present.

My account contradicts their version : I attempted to pass the other vehicle ( V2 ), and V2 abruptly braked, leaving little room and causing the impact.

Liability appears to have been assigned solely from a citation, not evidence.

Liability appears to have been placed solely on me and no accountability for the other driver 's response which created the accident.

They have refused to provide any explanation of how liability was determined. 

Their letters include language about asset evaluation and lawful recovery methods, which constitute intimidation during a disputed claim. 

They treat the subrogation claim as a debt but refuse to provide reasonable claim validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
VANCEHUFFMANis falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMANis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Regional Acceptance Corporations loan servicing practices and customer service conduct. I am a returning customer, and the way this matter was handled on the morning of XX/XX/year> was unacceptable. 
I contacted Regional Acceptance multiple times to restore my online account access so that I could set up payment for my new vehicle. This is a basic loan-servicing function necessary to ensure timely payment.

Over the course of the morning, I interacted with at least XXXX representatives. During these interactions, I experienced dismissive and unprofessional conduct. One call was disconnected when I requested to speak with a supervisor, and I was not provided a case number or a meaningful escalation path.

During a subsequent transfer, before I provided any identifying information, a representative referenced another individual and a vehicle that I have never owned, which they stated had been repossessed. During this same interaction, the representative told me that I was the problem. I found this statement inappropriate, particularly given that incorrect customer information was being referenced.

This interaction raised serious concerns that my account may be misassociated with another customers information and that my request for basic account access was not being handled appropriately.

Eventually, a different representative was calm and professional and assisted me. However, instead of restoring my original online account access or correcting the underlying issue, a new online account was created as a workaround. While this allowed me to make a payment, it does not resolve the original access problem or address the prior concerns about data accuracy and account integrity.

As a result of these issues, my ability to manage my loan and make payment was interfered with, despite my repeated attempts to do so.

I am requesting : 1. A formal review of call logs and recordings from XX/XX/year>. 
2. Confirmation that my loan is not misassociated with any other customer or vehicle.

3. Written confirmation that my payment history and loan data are accurate and complete.

4. Correction of the original online account access issue, not merely a workaround.

5. A written explanation of how this matter will be addressed to prevent recurrence.

I expect this matter to be handled promptly and professionally.

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 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am submitting this complaint to dispute improper legal fees assessed by my mortgage servicer, Shellpoint Mortgage Servicing, on Loan # XXXX. 

Shellpoint assessed legal fees on my account while my loan was current and without substantiated legal necessity. These charges were applied after all prior legal fees had been paid in full and without documentation of authorized or active legal action. 

My XX/XX/XXXX mortgage statement confirms that prior legal fees totaling {$9200.00} were paid in full and that no additional legal or escrow balances remained outstanding beyond my regular monthly payment. Despite this documented zero balance, Shellpoint later assessed additional legal fees in XXXX and XX/XX/XXXX. 

In response to my dispute, Shellpoint provided documentation postmarked XX/XX/XXXX. This documentation showing a later date than the XX/XX/XXXX zero-balance statement and predates the later legal fee assessments. Documentation predating a paid-in-full status can not justify subsequent legal charges. 

Shellpoint has also alleged a prior unpaid balance of {$1200.00}, which directly contradicts the XX/XX/XXXX statement showing a XXXX balance. No transaction-level reconciliation or supporting documentation has been provided to substantiate this amount. 

Shellpoint has failed to provide : A foreclosure index or court docket number Copies of any summons, complaint, motion, or court filing Evidence that foreclosure proceedings were active, pending, or required while the loan was current Under RESPA ( 12 CFR 1024 ), applicable XXXX XXXX law, and the mortgage agreement, fees assessed to a borrower must be necessary, reasonable, actually incurred, and contractually permitted. Fees assessed while the loan is current and unsupported by contemporaneous legal action do not meet this standard.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
15 US Code 1666 15 US Code 1666 ( b ) Upon completion of the loan, late payments are still on credit report even though it was the companys mistake in the beginning of the loan and not issuing proper documentation to correct address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/year>, I obtained a cashiers check in the amount of {$27000.00} from Navy Federal Credit Union. That check was later fraudulently used at XXXX XXXX  without my authorization. 

After discovering the fraud, I reported the incident, filed police reports, and completed all required fraud and forgery declarations with Navy Federal. XXXXXXXX XXXX acknowledged and approved the identity theft claim on XX/XX/year>, under case number XXXX, and confirmed the account involved was fraudulent. 

XXXX XXXX stated that recovery must occur through a bank-to-bank process initiated by Navy Federal. I repeatedly contacted Navy Federal and submitted all documentation requested to complete this recovery process.

Navy Federal representatives advised that they were unable to proceed or were uncertain how to process the recovery despite the approved identity theft determination by XXXXXXXX XXXX. As a result, the funds have not been recovered. 

Although both institutions acknowledge the fraud, I remain without reimbursement. I have complied with every request made by Navy Federal and can provide all documentation upon request. I am requesting CFPB assistance due to the lack of coordination and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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