vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Complaint ID already registered, but I can't see it here. I received a letter, that additional information needed, but It doesn't specifies, what additional information needed. Complaint ID : XXXX Submitted on : XX/XX/year> XXXXXXXX XXXX Consumer Information : Name : XXXX XXXX Account XXXX Ending in XXXX XXXX XXXX BMO Bank N.A XXXX Subject : Improper Denial of Dispute and Failure to Provide Supporting Documentation Complaint : I am submitting this complaint regarding BMO Bank N.A.s handling of my dispute ( Claim Number : XXXX ) concerning multiple unauthorized transactions identified as XXXX XXXX payments. I disputed several transactions on my account, after which BMO Bank issued provisional credits while conducting an investigation. Subsequently, by letter dated XX/XX/year>, BMO denied my claim, stating that documentation obtained supports that the transactions are valid ( Denial Reason Code XXXX ). However, this determination is inconsistent with information I have obtained directly from XXXX XXXX. I have received confirmation from XXXX XXXX that I do not have any valid agreements, debts, or payment authorizations associated with them. This strongly indicates that the transactions were unauthorized. Despite this, BMO Bank has : Denied my dispute without providing any meaningful explanation or evidence ; Failed to provide copies of the documentation relied upon in making its determination ; Failed to demonstrate any valid authorization or account linkage between myself and XXXX XXXX. I have formally requested from BMO Bank : Proof of authorization for the transactions ; Documentation showing any agreement or recurring payment authorization ; Evidence linking my bank account to a XXXXXXXX XXXX account ; Copies of all materials used in their investigation. To date, I have not received this information. Issue : BMO Bank appears to have concluded that the transactions are valid without providing substantiating evidence, while simultaneously disregarding contrary confirmation from the merchant ( XXXX XXXX ). This raises concerns about the adequacy and fairness of their investigation 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 explanation
Consumer complaint received 2026-05-12 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, a payment of {$590.00} was deposited into my Venmo account from a verified merchant payout service ( XXXX ). On XX/XX/year>, a second payment of {$380.00} was deposited from the same source. These funds represent the final liquidation of personal assets. The Issue : Following these deposits, I attempted to link my external bank account ( Lead Bank ) to transfer my balance. On XX/XX/year>, the company froze my account and requested several documents for verification, including : A government-issued photo ID and a verification selfie. A bank statement and account ownership letter from my external bank ( Lead Bank ). Documentation showing the source of the funds and an explanation of the transactions. Actions Taken : On XX/XX/year>, I submitted all requested documents through the company 's official secure upload link. This included : A clear photo of my ID and selfie. A formal bank verification letter from my external bank on official letterhead. Direct screenshots of my merchant dashboard and email correspondence with the fund sender 's support team, confirming the transactions were finalized and irrevocable. The Company 's Response : On XX/XX/year>, the company responded via email ( Request # XXXX ) stating they had permanently deactivated the account and would be holding my total balance for 180 days for " loss prevention purposes. '' The Complaint : The company is withholding my personal funds without a valid financial risk assessment. I have provided conclusive evidence that the funds were sent via an irrevocable merchant payout. There is zero risk of a chargeback or reversal from the sender. Therefore, a 6-month hold serves no legitimate " loss prevention '' purpose and constitutes an unfair withholding of personal property. Desired Resolution : I request that the company perform a manual review of the submitted evidence and provide a one-time window to transfer my remaining balance to my verified external bank account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I told them to stop calling me and they continued to call and said further actions may be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
Mobile deposit made on XX/XX/XXXX, the amount of {$2500.00}, shows available by XX/XX/XXXX, according to chat rep by the name XXXX. The email confirmation shows {$100.00} available on XX/XX/XXXX, {$550.00} on XX/XX/XXXX, {$1800.00} available on XX/XX/XXXX. The check is a service award from XXXX Data Breach Settlement, should not be held longer than original dates provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year>. {$26000.00} was deposited into my chime account from my lawyer from my lawsuit. I whithdrew XXXX into my cash app account and swiped the card a couple of times. Then I see transactions for XXXX XXXX that I know I didnt make which is over XXXX totaling to about XXXX transactions. I contacted chime about this and they said they have to investigate. I just switched to banking with chime not too long ago because they kept sending ads and emails offering a good banking experience with good security service. I was a little skeptical about getting my lawyer to deposit that amount of money into a chime account but I figured that it would be secure. But here we are now XXXX missing over {$9000.00} from my account and I guess I have to just XXXX it up. Someone has been using my information to open accounts to online stores and so on I just had to put in dispute with XXXX for a online store someone had in my name and it was taking money from my varo account. The dispute ended in my favor and I then closed my account and started using chime now I have the same problem which is someone is using my information and chime has let them withdraw ove {$9000.00} and I have to wait up to 90 days. While my bills pile up and I have to figure a way to replace the money taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: WA

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX XXXX XXXX business-class tickets through Capital One XXXX using my Capital One XXXX XXXX XXXX XXXXXXXX charged : {$12000.00} ( {$12000.00} to card XXXX XXXXXXXX rewards miles + {$300.00} annual travel credit ). Capital One XXXXXXXX XXXX XXXX XXXX XXXX Airlines XXXX XXXXXXXX. Original routing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, business class. Passengers : myself, my wife, our XXXX child, and our XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX On XX/XX/XXXX, I contacted Capital One Travel to modify the itinerary to a XXXX booking : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX XXXX ( XXXX ). Capital One XXXX processed the change and re-ticketed the XXXX adult and child passengers. The XXXX XXXX was NOT re-ticketed on the modified itinerary. Capital One XXXX acknowledged the failure on the same XX/XX/XXXX call and stated they were unable to issue the infant ticket on the modified itinerary. Since XX/XX/XXXX for XXXX consecutive days I have called Capital One XXXX daily, accumulating over XXXX hours of phone time. I have escalated to XXXX different supervisors. The only response provided has been : " We have sent an email to XXXX XXXX ; we can not do anything other than wait. '' No resolution timeline. No further escalation. Capital One XXXX will not allow me to cancel the booking through their platform because the system flags it as a " modified itinerary. '' XXXX XXXX has separately confirmed that Capital One XXXX, as ticket agent and merchant of record, is the only party able to issue the lap infant ticket on XXXX XXXX. I am therefore in a documented loop : Capital One XXXX says only XXXX can issue ; XXXX says only Capital One XXXX can issue. I am the cardholder. Capital One charged me {$12000.00} for a service XXXX ticketed passengers on a coordinated itinerary that Capital One XXXX has not fully delivered. My XXXX XXXX has no ticket. The first affected flight is XX/XX/XXXX XXXX days from today. I am traveling XXXX with a XXXX. Requested resolution : Capital One escalates to a representative with authority to either ( a ) issue the XXXX XXXX ticket on XXXX XXXX for the XX/XX/XXXX / XX/XX/XXXX itinerary, or ( b ) authorize a full refund of {$12000.00} to my XXXX XXXX so I can rebook directly with XXXX XXXX. A written response with a specific resolution timeline, before XX/XX/XXXX. XXXX XXXX ( non-personal ) : Capital One Travel itinerary : XXXX XXXX Airlines XXXX : XXXX Amount charged : {$12000.00} on XX/XX/XXXX Original travel : XX/XX/XXXX Modified travel : XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ) Full call log available on request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I was given a check book from an investment firm to access my profits from investments turns out that it was a scam but now the bank won't release my funds that were not returned they have refused to give me any answers for over a year yet continue to send me monthly statements however when I call they tell me that my account is over drawn but that's not what's reflected in my statements at all yet they continue to refuse to provide any information at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I signed up for an XXXXXXXX XXXX XXXX XXXX XXXX XXXX under a XXXX trial period on XX/XX/XXXX. The device did not work properly, so I canceled service within the allowed trial period and returned the equipment on time on XX/XX/XXXX. I have proof of shipment, proof that XXXX XXXX XXXX received the equipment, and an email from XXXX XXXX XXXX confirming that the charges would be canceled. The email confirmation was received on XX/XX/XXXX. Despite this, XXXX XXXX XXXX charged me a non-return equipment fee and the account was later placed into collections with Sunrise Credit Services. The collection account is now appearing on my credit report. I disputed the account with XXXX and provided my documentation, but the account was still verified as accurate on XX/XX/XXXX. I am requesting removal of the invalid charges, removal of the collection account, and correction of the credit reporting associated with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am filing this complaint regarding an account reported by Midland Credit Management that I have formally disputed. This account ( ending in XXXX, originally with XXXXXXXX XXXX ) is being reported on my credit report. I requested validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA 809 ). Specifically, I requested documentation including a signed agreement, full account history, proof of ownership, and an itemization of the balance. Midland Credit Managment has failed to provide adequate documentation to verify this debt. Despite this, they continue to report the account to the credit bureaus. This is a violation of the Fair Credit Reporting Act ( FCRA 623 ), which requires that all reported information be accurate and verifiable. The continued reporting of this unverified account is causing harm to my credit profile. I am requesting immediate deletion of this account from all credit reporting agencies, written confirmation of deletion, and documentation of how this account was verified. If Midland Credit Management can not provide proper validation, they must cease reporting this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
On XX/XX/year> I emailed XXXX XXXX to cancel my account. I do not use the gym membership, and I have not used the gym membership since. XXXX XXXX has continuously charged me and even charged me late fees for an account that I requested to be cancelled. I can not travel to the gym location in person to cancel due to my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I noticed from XX/XX/XXXX till XX/XX/XXXX of this year money was slowly coming out of my account and it went to some fanatic online casino when I contacted my bank which is chime within less than 24 hours they denied my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: DC

Complaint narrative:
On XX/XX/XXXX someone had logged into my chime account from XXXX XXXX and sent themselves XXXX dollars and Ive been trying to dispute with my chime bank to get all of my money back but they keep on denying my dispute. Everytime I provided accurate information to show them i did not make any transactions on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Paramount GR Holdings, LLC
State: KY

Complaint narrative:
On XX/XX/year>, I entered into a {$49000.00} loan agreement ( Account # XXXX ) with GoodLeap, LLC to finance a solar and roofing installation by XXXX XXXX. The original XXXX XXXX XXXX included a XXXX workmanship and roof XXXX warranty. The installer, XXXX XXXX, failed to complete the installation, abandoned the project, and filed for Chapter 7 Bankruptcy on XX/XX/year>. Under the FTC Holder Rule, explicitly included in Section 14 of GoodLeap 's Loan Agreement, GoodLeap is subject to all claims and defenses I have against the seller. I formally disputed the debt with GoodLeap due to a material breach of contract and failure of consideration. Instead of canceling the loan, GoodLeap has engaged in the following unfair and deceptive practices : 1. Ignoring Federal Bankruptcy Directives : The Chapter 7 Trustee for XXXX XXXX explicitly instructed me not to allow unauthorized solar companies to touch the system without court approval. GoodLeap attempted to unilaterally assign a third-party contractor ( XXXX ) to my property to patch the system, circumventing the federal bankruptcy court. 2. Deceptive Settlement Offers : GoodLeap refuses to restore the voided XXXX warranty. They have attempted to pressure me into accepting vastly inferior XXXX, XXXX, and XXXX warranties to " finish '' the project, which would leave me with decades of liability for a bankrupt company 's workmanship. 3. Improper Collection Attempts : GoodLeap 's Senior Resolution Manager promised in writing that my account was in dispute and I would " not see any collection attempts. '' Shortly after, GoodLeap sent a physical late payment notice attempting to collect on the disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a vehicle on XX/XX/year>, under a retail installment contract financed through Capital One Auto Finance. My signed contract includes a checked selection indicating XXXX insurance coverage, and the disclosure states that if XXXX is included, I would not be responsible for the remaining loan balance after a total loss. Recently, I contacted Capital One Auto Finance to confirm whether XXXX insurance was included in my loan. They informed me that there is no XXXX coverage attached to my account and no XXXX policy is active for my loan or vehicle. The originating dealership is no longer in operation, and I am unable to obtain clarification or documentation from them. As a result, there is a discrepancy between my signed contract ( which indicates XXXX coverage was selected ) and the lenders system ( which shows no XXXX coverage exists ). I am requesting clarification on whether XXXX XXXX was ever funded, transmitted, or properly included in my financing, and whether any correction or resolution is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting by Capital One on my Capital One XXXX credit card account. My account was enrolled in automatic payments, and I relied on the auto-pay system to timely process my XX/XX/year> payment. However, the payment was not withdrawn in a timely manner despite the auto-payment setup. A returned payment was later noted on the account, and as a result, Capital One reported a late payment to the credit bureaus. After discovering the issue, I immediately contacted Capital One to discuss the matter. During that conversation, the representative acknowledged the issue and waived the late fee associated with the payment. This action indicates that the company recognized circumstances surrounding the payment problem. However, despite waiving the fee, Capital One has continued reporting the late payment to the credit bureaus. As a direct result of this reporting, my credit score dropped approximately XXXX points, which has negatively affected my creditworthiness, purchasing power, and ability to obtain favorable financing terms. I believe this reporting is unfair and inaccurate given that my account was set up for automatic payments and I acted promptly to resolve the issue once notified. I respectfully request that Capital One conduct a full investigation into this matter and remove the late payment reporting from all consumer reporting agencies. I am also requesting correction of my credit file to restore my credit standing prior to this incident. I have maintained good faith efforts in managing my account responsibly and believe this issue resulted from a payment processing failure rather than intentional nonpayment. Requested Resolution : * Remove the reported late payment from all credit bureaus * Correct my credit reporting history for XX/XX/year> * Provide written confirmation once the correction has been completed * Restore my account standing to reflect accurate payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
I purchased a good from a merchant but never received the item. I then reached out to Cash App for help which they did not provide.

Company response to consumer: Closed with explanation