vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, we purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, with financing through Westlake Financial Services. We initially went to the dealership for a different vehicle and financing arrangement, but upon arrival the situation changed and we were redirected to another vehicle. During this process, the financing terms changed significantly, resulting in a high-interest loan ( 28.99 % APR ). Multiple lenders were involved, Without my consent, and the final terms did not reflect the original expectations. Shortly after the purchase, the vehicle began experiencing mechanical and electrical issues, including diagnostic trouble codes XXXX, XXXX, and XXXX, along with electrical irregularities such as interior lights activating unexpectedly and a headlight malfunction. Around XX/XX/XXXX, we returned the vehicle to the dealership and reported these issues. We were advised that the issues would be addressed ; however, the same problems have continued. Due to these ongoing issues, the vehicle has not been reliably usable. I have missed 3 days of work during the week of XXXX XXXX XX/XX/XXXX. So I have lost income due to this issue. We contacted Westlake Financial Services and were advised that an investigation has been opened regarding this contract and that a buyback has been requested from the dealership. I was also verbally told that this situation should not negatively impact my credit. The dealership has verbally requested that we return the vehicle but has not provided written confirmation of the terms of the buyback or contract cancellation. We have sent written requests asking for confirmation of the unwind terms and reimbursement of funds we have paid, but we have not received a complete written response. We are attempting to resolve this matter while protecting the funds we have spent on a vehicle that has not been usable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am very stress trying to take care of this matter, the more I try the worse my situation gets. I really need help with this issue please. No matter what I do it's not working. I am a single parent trying to make ends meat, it is very stressful without help with the day to day struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC, with an alleged balance of {$590.00}, originally opened on or about XX/XX/year> is reported as a collection on my report. I reached out directly and requested they provide the following : XXXX. A complete itemized accounting of the alleged balance of {$590.00}, including all charges, interest, and fees. XXXX. A copy of the original signed agreement or contract bearing my signature. XXXX. Proof of ownership and a complete chain of title, showing every transfer or assignment of the account to Portfolio Recovery Associates , LLC. XXXX. A full payment history for the account. XXXX. XXXX that the alleged debt is within the applicable statute of limitations for collection in Texas. XXXX. Documentation showing your legal authority to collect this debt on behalf of the original creditor, if applicable. Information has not been provided and a follow up was senXXXX XXXX days after the initial email. Upon checking credit bureaus transunion shows this matter remains unverified while XXXX is showing this is updated and verified. Due to the inconsistency and inaccuracy of this and the failure to provide requested documentation I would like to request that this matter be removed form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am filing a complaint regarding a denied dispute for a fraudulent charge of {$410.00} on XX/XX/year>. I was the victim of a taxi scam at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. I was approached by individuals falsely claiming to be licensed taxi/Uber drivers and was misled into entering their vehicle. This was not a legitimate or licensed business transaction. The receipt I was provided has no company name, was sent from a personal email address, and appears to be generated from an unverified source. Additionally, the amount charged to my card ( {$410.00} ) does not match the receipt provided ( {$330.00} ), indicating unauthorized additional charges. XXXX XXXX denied my dispute, stating the transaction was authorized, despite clear evidence of misrepresentation, lack of a legitimate merchant, and a discrepancy in the charged amount. I am requesting that this charge be properly investigated as fraud or deceptive business practices and that the {$410.00} be refunded. I can provide documentation including the receipt and correspondence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPORTUN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On or around XX/XX/year>, I attempted to transfer {$190.00} from my savings account labeled AZ XXXX XXXX XXXX XXXX to my business checking account. Each time I attempted the transfer, I received an error message stating that the request could not be processed. I made multiple attempts using both instant and standard transfer options, but the issue persisted every time. After these failed attempts, I contacted support via email on XX/XX/year>, requesting assistance and an explanation for the error. I received only an automated response stating that there may be delays due to high volume, but I have not received any actual support or follow-up regarding my issue. As of today, my funds remain inaccessible, and I have not been provided with any explanation for why the transfer is being blocked. This situation is preventing me from accessing my own money, and the lack of communication or resolution from the company has been extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A class action lawsuit, In re : Capital One 360 XXXX Account Interest Rate Litigation, No. XXXX, Capital One 360 XXXX account holders at any time from XX/XX/XXXX, through XX/XX/XXXX, are eligible for benefits from a {$420.00} XXXX class action settlement. I have received no notification as an eligible class party member and have today called Capital One 360 XXXX Account Class Action Settlement Administrator ; XXXX XXXX XXXX ; XXXX, OR XXXX at XXXX who were unable to locate my record. However, on XX/XX/XXXX I called Capital One who confirmed on record that my account from the period of XX/XX/XXXX ( opened ) thru XX/XX/XXXX ( closed ) is eligible as a XXXX XXXX Account, but is not entirely visible as it is closed out. I also had four checking accounts in that timeframe as well. I should be a Class Member and eligible for settlement. I have not received any notice. My account number follow in the end of this form for privacy. The complaint which agreed in the settlment is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-23 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: Block, Inc.
State: CA

Complaint narrative:
A payment was sent to my Cash App account from another Cash App account in the amount of {$570.00} on XXXX XXXX its been pending since then and I have responded to all questions and email sent by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : 3 Fixes to Make Banking More Fair and User-Friendly Hi, I want to share a few ideas that I think could improve everyday banking for regular people. First, I think banks should provide an easy way for customers to make money directly within their app or website. Whether thats through better interest options, rewards for responsible usage, or tools that connect users to legitimate income opportunities, theres room to shift the focus from fees to financial growth. For example, banks could collaborate with businesses like hotels or food delivery platforms to offer vetted work-from-home dispatch roles or paid training programs. They could also help facilitate short-term, location-based gig opportunitieslike making it feasible for someone to travel to another city for a week, deliver food or do similar work, and reliably come out ahead financiallyby bundling earnings tools, temporary housing partnerships, and transparent cost/earnings estimates into one place. Second, it shouldnt be possible for account balances to go negative. Overdraft fees disproportionately affect people who cant afford them, and the idea that a bank allows negative balances to exist then charges for it feels outdated and harmful. A system that simply declines transactions when funds arent available would be much safer and more transparent. Third, new checking account bonuses should be accessible to people without requiring large initial deposits or high balance thresholds. Right now, many of these offers are geared toward people who already have significant funds, which makes them feel exclusionary. Incentives should be structured in a way that also benefits people who are trying to get started or rebuild financially. Im sure there are operational challenges behind all of this, but from a consumer perspective, these changes would make banking feel more fair, less punitive, and more aligned with helping people succeed. Thanks for your consideration! Respectfully,

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
He refused to answer my regulatory questions about policy and procedure for security breech and fraud, or negligent record keeping at a bank FDIC.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I have contacted PayPal customer service many times regarding an issue of fraud on my account. Unfortunately, they were unable to resolve the issue, so I am reaching out to you as a last resort. I believe it was on XX/XX/XXXX and XXXX of 2025 that there were several fraudulent charges on my account. On the XXXX, I tried to get into my account to pay my rent and was unable to log in. I was told that my email address was not associated with any PayPal account. At that point, I contacted PayPal customer service and we took the necessary steps to protect my account from further fraudulent activity. Unfortunately, my initial claims were denied. I was able to appeal them all and the two charges of the most significant value were, thankfully, ruled in my favor and refunded to me ; however, the others ( totaling a little over {$250.00} ) were not. I have contacted many customer service representatives and asked to speak with supervisors. Each time, I am assured that the appeals have gone through and that they well appear in my account in the next day or two. When I explain that I have been told this before ( and that they never do end up going through ) and I request to have someone follow up with me to ensure that everything goes through correctly, the supervisors or customer service agents refuse to follow up. Inevitably, I am back where I started once again. I have tried using the chat option, the resolution center and email but they always refer me to someone else and a lot of the time when I speak with someone on the phone, they will decide that my issue is too complex so they just hang up the phone!!! Then they get to say that the call was " dropped '' when they write up their notes. I have even provided screenshots of my GPS data so that my location history can be compared with the metadata for the transactions. If all of these charges occurred during the same time period, how can the earlier transactions not be fraudulent but the later ones are? That isn't consistent with PayPal 's own findings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
I have been locked out of my account since XX/XX/year>, due to a Two-Factor Authentication ( 2FA ) loop following a phone number change. I have a nickname on my account which has caused a 'name discrepancy ' flag with my legal ID. I have contacted Zip support daily for 8 days and provided my legal identification, but I remain in a 'no ETA ' loop. I have two payments due on XX/XX/year>. The card on file is inactive, and Zip is physically preventing me from updating my payment method or accessing my account to pay my bills. They have ignored my requests to waive late fees or provide a guest payment link. I am a responsible customer proactively trying to pay, but the companys technical failure and lack of support are forcing me into a potential default/late fee situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I'm a painter and received a certified check in the amount of {$4900.00} from what was supposed to be a customer. The check amount was over and above the {$1400.00} I was expecting. I deposited the check. The check cleared. The customer told me his accountant screwed up and included monies that was for the paint supplier and instructed me to write a check for the painter supplier in the amount of {$3500.00} and deposit it in an account the customer provided. I then wrote and deposited the check into what is a Chase account. One day after the check cleared I discovered that the check amount had been reversed in my account by Chase claiming that it was either a fraudulent or forged check. I contacted Chase immediately and reported this and they said despite the scam they could do nothing with the check I wrote, which was written based on the assumption that the check received was a good check. They provided that by clearing the check. However, Chase 's fraud department claims they can't do anything and that I am out the {$3500.00} and offered no recourse despite the fact that I deposited into a Chase account. They won't even reverse the bad check charge. I am not out over {$3500.00}. My account has a negative balance. Chase should freeze the receiving account and investigate the owner of that account as being a participant in the scam and fraudulent activity that I have been a victim of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Can not log in or access my account and cant get help on the phone to access or log in. Hung up on or transferred to ghost extensions over and over again today. Drove to bank for help. Nobody can give me access to my online account. Customer service online says to go to branch and branch says to go online.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I am submitting a complaint regarding MOHELAs handling of my federal student loan account and XXXX Account XXXX review. I have repeatedly requested confirmation that my full repayment history, including pre-consolidation repayment periods dating back to the late XXXX, is being properly credited toward the XXXX XXXX ( XXXX ) forgiveness count. MOHELA has responded only with form letters, including messages dated XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> stating that XXXX payment counts and payment history are unavailable or directing me to XXXX XXXX XXXX. These responses do not address my request. My concern is not simply viewing a payment count, but ensuring that my underlying repayment history has been accurately transferred, retained, and included in the XXXX Account XXXX review, particularly pre-consolidation repayment months. MOHELA has not provided a case number, has not confirmed my earliest repayment date on record, and has not addressed whether pre-consolidation repayment periods have been credited. I am requesting a formal review, written clarification, and confirmation that my full repayment history is properly reflected in my federal loan records and IDR adjustment calculation.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Aidvantage for it persistent failure to process my XXXX XXXX XXXX requests, resulting in an unaffordable and incorrect monthly payment of {$190.00} effectively XX/XX/year>. I am currently unemployed and have {$0.00} in monthly income. Under federal guidelines for income driven repayment ( XXXX ), specifically the income-base repayment XXXX XXXX, I am legally entitled to a {$0.00} monthly payment. Despite completing a loan consultation, submitting multiple hardship forbearance, Aidvantage has ignored the requests failed to update my student loan account status.Most recently, I sent a dispute letter to Aidvantage office of customer advocate, yet my account still reflects a schedule payment that is impossible for me to meet.This failure to act constitutes a servicing error that puts me at risk of financial delinquent and credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am filing a complaint regarding an auto loan serviced by Exeter Finance LLC that includes an approximately {$3000.00} charge for a service contract/warranty that can not be validated. At the time of purchase on or about XX/XX/year>, the vehicle was financed through Exeter Finance. The total loan amount included an additional charge of approximately {$3000.00} for a service contract. However, no copy of this service contract was provided at signing or at any time thereafter. On or about XX/XX/XXXX, I formally requested documentation from Exeter Finance, including : A copy of the service contract The name of the provider The full terms and coverage details Despite multiple requests, Exeter Finance has failed to provide any documentation supporting the existence or validity of this service contract. On XX/XX/XXXX, I sent a follow-up written request and provided a deadline of end of day XX/XX/XXXX for Exeter Finance to produce the requested documentation or remove the charge from the loan balance. As of today, no documentation has been provided, and I have only received generic responses instructing me to call, without addressing the substance of my request. Additionally, the dealership involved in this transaction, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is now closed and has been subject to lawsuits and investigations related to fraudulent practices, including issues involving service contracts similar to mine. This raises serious concerns about the legitimacy of the {$3000.00} charge included in my loan. I've included the buyers guide in which they did not disclose any information about the " warranty '' and I've attached the buyers order where is shows the {$3000.00} warranty charge. At this point : The {$3000.00} service contract can not be verified No contract has been produced despite formal requests The originating dealership is no longer operating and is tied to fraud allegations Exeter Finance continues to service the loan with this unverified charge included This appears to be a failure to validate a debt and potential improper inclusion of an add-on product in a financed loan.

Company response to consumer: Closed with explanation