vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I fell for a XXXX scam. They had all of my friends information including his address. I sent {$1000.00} on XXXX and realized it was a scam. XXXX refused to do anything so I contacted my bank to stop payment for a fee of {$36.00}. XXXX claims they covered the {$1000.00} to the thief. They have taken {$100.00} from me that my brother in law sent to reimburse me for baseball tickets. They have also frozen my other account that parents from my childrens school have been sending me for teacher appreciation as I am the room parent. Now I am out XXXX that they have collectively frozen or stolen. They refuse to do anything related to the fraud and I just want the money back since I do not have an extra {$200.00} to cover this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I went to Wells Fargo bank, but they promised me loan and they are reneging on the loan when they finance my XXXX and they financed my XXXX in XXXX. They told me anytime and I wan na get a loan through them. They will approved. It as long I stay with XXXX or XXXX because it affected. They are the bank for those two products and long as I pay on my existing loan on time and Ive been paying for it on time.

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 2026-04-28 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am reporting unauthorized debit card transactions totaling {$670.00} that occurred on or around XX/XX/XXXX. I did not authorize these transactions and they were processed in states where I do not live and have never visited. I contacted Wells Fargo immediately after noticing the transactions and filed a claim. I followed up multiple times over several days to request updates and provisional credit. I was informed that the transactions were still pending and was told no action could be taken at that time. Despite repeated contact, I was not provided provisional credit and was not given a clear timeline for resolution. I spoke with multiple representatives, but the issue remained unresolved. As a result, my account was depleted and I was left without access to funds. This caused significant financial hardship, as I am a single mother of two children and was unable to meet basic needs during this time. I am requesting immediate provisional credit, a full investigation of the unauthorized transactions, and an explanation for the delay in resolving my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am writing to formally request the full discharge of all student loans held by Nelnet due to deceptive practices, misrepresentation, and failure to provide accurate guidance regarding my repayment options. Throughout the life of my loans, I was repeatedly steered away from income driven repayment plans, which would have made my payments more affordable and potentially qualified me for loan forgiveness. Instead, I was encouraged to enter periods of forbearance or deferment. As a result, interest continued to accrue and capitalize, significantly increasing my loan balance and placing me in huge financial strain. These actions are consistent with broader patterns of misconduct for which Nelnet has faced legal action and regulatory scrutiny. As a borrower who relied on their guidance in good faith, I have experienced significant financial hardship and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Sent return mail to XXXX XXXX XXXX. Requested in writing the original company that is the owner of the debt. Receiving multiple calls daily with refusal to send information that a was requested in writing. I believe this information is incorrect. I have not received any notice of debt. It says I have owed this debt since 2014. No notice was ever given of an attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: PA

Complaint narrative:
XX/XX/XXXX : I made an initial deposit to a Wells Fargo Everyday Checking account. At the time, the amount of money I needed to maintain to avoid a service fee was {$500.00}. I monitored my balance and maintained what I understood to be the required minimum balance in good faith. XX/XX/XXXX - XX/XX/XXXX : During this period, I received numerous promotional emails from Wells Fargo for credit cards, CDs, loans, savings accounts, and investment products [ a representative sample can be found in " XXXX XXXX '' ], yet no direct or prominent communication regarding this significant account change. This suggests the bank had the ability to notify customers clearly but did not do so for a change that results in fees. XX/XX/XXXX : My XX/XX/XXXX account statement included a notice that, beginning XX/XX/XXXX, the account minimum to avoid fees would increase to {$1500.00}. The notice appeared within the second page of a routine account statement, not in a separate email, letter, app alert, or other prominent notice, despite the fact that the change directly resulted in recurring fees. I believe Wells Fargos method of disclosure was neither adequate nor effective notice for such a significant account change. As a result, I incurred avoidable charges despite maintaining the previously required balance in good faith. XX/XX/XXXX : I checked my WF statement, and noticed that service fees had been taken out of the account, totaling {$70.00}. I was confused because I thought I had maintained the minimum balance. I called WF to inquire about this. They said the minimum account balance had been raised to {$1500.00}, without my knowledge. I was refunded {$10.00} of {$70.00} in fees. I escalated the complaint, because I do not believe this is fair. I maintained the previously required {$500.00} minimum balance consistently and reasonably relied on that requirement remaining unchanged absent clear, proactive notice. XX/XX/XXXX : I received an email from Wells Fargo ( XXXX ) saying that I needed to " [ Maintain ] a minimum daily balance of {$1500.00} '' to avoid the fees, and that they would not be refunded. XX/XX/XXXX : I sent an email ( XXXX ) saying this resolution was not acceptable, and asking that the complaint be escalated. XX/XX/XXXX : I received an email from Wells Fargo [ XXXX ] saying the fees would not be refunded, and that " [ Wells Fargo ] recognize [ s ] the feedback that the experience did not feel proactive or clear enough, especially because [ I ] previously maintained the old minimum balance. '' Wells Fargo also stated that it could not approve another refund because my account would not be eligible for another refund of this type for 12 months after the {$10.00} refund issued on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I strongly disagree with the companys response. This was an unauthorized debit card transaction. I did not make this purchase, I did not authorize it, and I have never had access to the email address used for the transaction ( XXXX ). The bank is relying solely on information provided by the merchant ( XXXX XXXX XXXX ), without verifying that I was the actual cardholder who authorized this transaction. I never received the tickets, never accessed any account, and never benefited from this transaction in any way. Under Regulation E, the burden is on the bank to prove that the transaction was authorized. Simply stating that the merchant provided confirmation is not sufficient proof of authorization. The bank failed to conduct a reasonable investigation and ignored key evidence indicating fraud. I am requesting that this case be reopened and that the unauthorized transaction in the amount of {$230.00} be refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My car was repossessed back in XXXX of 2025. I got my car back about 2 weeks later. Without notifying me, XXXX XXXX XXXX XXXX removed my name from the title of the car. As I went to renew my tag for the year, the DMV notified me my tag was no longer registered to a vehicle and they could no longer find my car under my name. Upon further investigation by the XXXX, they found my car and saw the finance company had removed my name from the title and loan and put it in their name, and I no longer had ownership of the vehicle. It took me over a week to get in touch with anyone! No one spoke proper English to communicate with me. They refused to let me speak with supervisors. Call takers repeatedly hung up on me and were very rude. Its been 5 months since Ive gotten my car back, and no one will help me. My name is still off the vehicle. Theyre still demanding money from me and not helping me. The DMV still hasnt received my updated title with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I opened a CareCredit account through Synchrony Bank in XX/XX/XXXX to pay XXXX XXXX bills for my dog, who required XXXX XXXX XXXX within two weeks. The account was offered to me at the veterinary clinic with a promotional 0 % interest period of 12 months. The credit limit was {$6800.00}. I made monthly payments toward the balance throughout the promotional period, but was unable to pay the balance in full before the promotion expired. When the promotion ended, Synchrony retroactively assessed deferred interest on the original purchase amount calculated back to the date of the charge, not on the remaining balance. The retroactive interest assessment, combined with subsequent interest charges at the post-promotional APR of 32.99 %, has pushed my account balance to {$9000.00}, which is {$2100.00} over my {$6800.00} credit limit. The over-limit status has triggered additional fees and exposed me to a Penalty APR of 39.99 %. The CFPB 's XX/XX/XXXX report on medical credit cards specifically identified retroactive deferred interest on healthcare credit products as a practice that harms consumers, particularly those who use these cards for emergency medical and veterinary care. My situation is exactly the scenario described in that report. Separately, my account has been enrolled in Synchrony 's " Payment Security '' debt cancellation program, which charges {$1.00} per {$100.00} of monthly ending balance. On my most recent statement this fee was {$140.00}. Over approximately twelve months of enrollment, I have paid Synchrony close to {$1800.00} for this product. I am not eligible to receive the balance cancellation benefits this product is sold to provide. The program 's stated covered events are job loss, disability, hospitalization, nursing home care, terminal illness, and loss of life. The events that caused me to need this credit ( emergency veterinary care for my pet ) are not covered. I am a public service employee earning approximately {$38000.00} per year working at a public library. The combined effect of the retroactive interest assessment and the ongoing Payment Security fees has made it functionally impossible for me to pay down this debt despite making monthly payments throughout the past year. Thank you so much for your consideration and support!

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
This is now the third time I am submitting a complaint regarding an invalid debt being collected by XXXX XXXX XXXX on behalf of XXXX XXXX. I cancelled my gym membership in person at the XXXX, TX location on XX/XX/year> and have not used the gym since that date. Despite cancelling, I continue to be contacted regarding a balance that should not exist. After my cancellation, I stopped receiving member-related communications and even received a promotional email on XX/XX/year> offering me to sign up again for {$1.00}, which clearly indicates my membership was no longer active. Additionally, I confirmed with friends who currently have active memberships at XXXX XXXX that they continue to receive regular gym-related email updates, while I do not. This further supports that my membership was no longer active after cancellation. I have made multiple attempts to resolve this directly with XXXX XXXX and previously submitted disputes, but no action has been taken. I am still being pursued for a debt tied to a service I did not use after cancelling. Additionally, I was threatened that my credit would be negatively impacted if I did not pay, despite the debt being invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I purchased an XXXX ticket for {$150.00} through XXXX, which was charged to my Robinhood Credit card. I arrived at the XXXX boarding location five minutes prior to departure well within the required boarding window and was wrongfully denied boarding along with several other passengers, without justification or explanation. No service was rendered. I did not travel. I disputed the charge with XXXX, providing clear evidence of the denied boarding. XXXX illegally denied my claim, failed to conduct a fair investigation, ignored the evidence presented, and wrongfully sided with XXXX in violation of Regulation E ( 12 CFR Part 1005 ), the Electronic Fund Transfer Act, the Dodd-Frank Act Section 1031 ( UDAAP ), and its own Buyer Protection Policy. I was effectively scammed I paid for a service, was denied that service through no fault of my own, and XXXX refused to make me whole. I then filed a dispute with Robinhood Credit as the card issuer for the underlying transaction. Robinhood Credit has an obligation under the Fair Credit Billing Act ( FCBA ) and Regulation Z to investigate and resolve disputes involving services not rendered. The charge of {$150.00} to my Robinhood Credit card is invalid as the underlying service was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: IL

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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Tater Inc.
State: FL

Complaint narrative:
I received a Letter of loan denial from XXXX XXXX XXXX stating " I recently applied for a loan at lease end llc and it was not approved ''. I never heard of XXXX XXXX XXXX and I did not apply for a loan through Lease End. I received the loan denial letter on XX/XX/XXXX and the letter was dated XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about this fraudulent loan application. The rep stated an application was submitted by Lease End. I advised her it was fraudulent. I explained I did call lease end several months ago to inquire about their program. After learning about Lease End, I told them I was not interested in their services. I never applied for any loan through them. I never provided my social security number or anything related to a loan application. I certainly never signed anything. I was not interested in the services they provided. I asked the rep for a copy of the fraudulent application submitted by Lease End. She refused stating that she can not provide that as she is unable to verify my information. Interesting how they can process a fraudulent loan application without verifying my identity but refuse to provide the submitted application. I assume they must be cooperating with Lease Ends fraudulent activity. Lease End has many complaints, including some of this same nature. Apparently this is part of their normal operating procedure. This activity is illegal and this company should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Complaint Against PayPal for Improper Chargeback Reversal Enabling Fraudulent Loss of {$10000.00} I am filing this complaint regarding PayPals handling of a fraudulent chargeback that resulted in the wrongful reversal of {$10000.00} from a legitimate motor vehicle sale. In XX/XX/year>, I sold a bus to a buyer for {$10000.00} through PayPal. The transaction was completed, the buyer took possession of the vehicle, and ownership was transferred. I provided PayPal with substantial documentary evidence proving the validity of the sale, including : Signed bill of sale DMV/title transfer receipt evidencing transfer of ownership Buyer communications and chat history confirming the transaction PayPal transaction records Months after receiving and retaining the vehicle, the buyer initiated a chargeback alleging unauthorized account usage, and PayPal reversed the full payment. I timely appealed and submitted evidence demonstrating the claim was false and contradicted by the facts : the transaction was authorized, the vehicle was delivered, and ownership had been transferred. Despite this, PayPal denied my appeal and upheld the reversal. As a result, the buyer has retained both the vehicle and the {$10000.00}, causing substantial financial harm and, in effect, enabling apparent chargeback fraud. I am requesting investigation into whether PayPal properly handled this dispute, whether all evidence was presented in any representment or issuer response, and whether PayPal complied with appropriate dispute procedures in a transaction involving titled property. I request : Immediate review and reconsideration of the {$10000.00} reversal Clarification whether the decision was made by PayPal or the buyers card issuer Review of whether PayPals actions improperly facilitated fraudulent chargeback abuse Appropriate corrective action to restore the improperly reversed funds This matter appears to involve abuse of the chargeback system after a completed vehicle sale and warrants regulatory review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I had a XXXX but when I moved out, I shut it off.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am filing a complaint regarding this account because I dispute the accuracy and validity of the debt being reported and/or collected. I sent a written dispute/debt validation request to the company by certified mail on XX/XX/year> and the company received it on XX/XX/year> at XXXX XXXX ( tracking number and receipt attached ). More than 30 days have passed, and I have not received adequate validation or a meaningful response. This account is very old, and I have serious concerns regarding whether the debt is being reported and collected accurately. The company has not provided sufficient documentation to establish the alleged balance, the chain of ownership/authority to collect, or competent evidence supporting continued reporting. If this debt was previously canceled, settled, or otherwise treated as discharged, I also request clarification as to whether a 1099-C was ever issued or filed. I am requesting a formal investigation and written response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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: PA

Complaint narrative:
I asked for all my statements, but only received XXXX charge and it showed a payment and that was all it contained. The collection agency also stated that I called them and told them that I didnt have a home address and was bouncing from couch to couch basically. I never made that phone call. After they looked into my situation they called and told me that I needed to make payments to get my debt paid off. I asked them what they came up with and asked them if they looked into the phone call and I got a shady answer and was told I needs to start paying. I asked them about the phone call that I didnt make and I tried to dispute just the phone call, but they told me I couldnt dispute it twice. I did not make that phone call and I didnt make the charged that they claim I did and now they wont quit calling me and are very rude to me.

Company response to consumer: Closed with explanation