vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I am filing this complaint regarding an extended and inconsistent hold placed on a deposited settlement check by XXXX XXXX XXXX. 

On XX/XX/XXXX, I visited a XXXX XXXX branch in XXXX to deposit a settlement check in the amount of {$15000.00}. Before depositing it, I asked the teller how long it would take for the funds to clear. After reviewing the check, the teller advised me it would take approximately three days. The teller then suggested that I go to the issuing bank, XXXX XXXX XXXX, to attempt to cash the check and return. 

I followed this guidance and went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX declined to cash the check solely because I am not a customer and due to their policy not to cash checks over {$5000.00} for non-customers. They did not indicate any concern regarding fraud or the validity of the check. 

I returned to XXXX XXXX to deposit the check. At that point, the same teller stated that I could not complete my own deposit slip and that she would do so. She then informed me she was placing a five-business-day hold instead of the previously stated three days, explaining that because XXXX XXXX  XXXX would not cash the check, she believed it might be fraudulent. 

Subsequently, a branch manager contacted me and asked whether I was expecting this check. I confirmed that I was, and that it was related to a legal settlement. The manager acknowledged this and stated she would relay that information.

I was later informed that the paying bank had not yet confirmed clearance and that the funds would remain on hold until XX/XX/XXXX. 

I am concerned about the inconsistent explanations provided, the tellers subjective assertion of fraud based solely on XXXX XXXX XXXXXXXX refusal to cash a large check for a non-customer, and the change in hold duration after I followed the banks initial advice. 

I am requesting that the CFPB review whether XXXX XXXX XXXX  actions complied with Regulation CC, including whether the exception hold applied was appropriate, whether required disclosures were properly provided, and whether the decision-making was based on objective policy rather than branch-level discretion.

My goal is transparency, proper application of funds-availability rules, and assurance that my deposit is being handled consistently and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: FL

Complaint narrative:
I purchased a concert ticket through XXXX using PayPal Pay in XXXX. The ticket was misrepresented ( sold as standard view but obstructed ). I disputed with the merchant and with PayPal, both of which denied resolution. 

As a last resort, I filed disputes through my bank for each Pay in XXXX installment. After investigation, my bank ruled in my favor on all transactions and permanently reversed the debit card charges. 

Despite the final bank determination, PayPal continues to demand payment on the Pay in XXXX plan and send past-due notices, claiming I still owe the balance because PayPal did not issue a refund.

A refund from PayPal is not required when a bank chargeback invalidates the obligation. PayPals continued attempts to collect payment after a completed chargeback constitute improper transaction handling and unfair collection activity. 

I am requesting PayPal update the Pay in XXXX plan as closed due to chargeback and see that no balance is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have reported XXXX XXXX XXXX XXXX XXXX to the Attorney General 's Office for fraudulent charges. Complaint tracking number : 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 non-monetary relief
Consumer complaint received 2025-12-31 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
As part of the same impersonation and account takeover event on XX/XX/year>2024, an unauthorized cash advance was taken on my Wells Fargo Visa credit card and deposited into my Wells Fargo checking account. I did not authorize this cash advance, did not request it, and did not knowingly use my credit card for this purpose. 

At the time the cash advance occurred, my Wells Fargo account was already compromised as part of an impersonation scheme involving caller-ID spoofing of a legitimate Wells Fargo phone number. The fraudsters had access to my account and were actively manipulating account activity before I was aware of the fraud. 

This credit card transaction should be treated separately from the subsequent transfer I was deceived into making. Under the Fair Credit Billing Act, charges resulting from unauthorized use or account takeover are not the consumers responsibility. My actions later taken under deception do not constitute authorization of the credit card cash advance itself.

Wells Fargo has denied my dispute of the credit card cash advance on the basis that I moved the money, but that reasoning conflates a fraudulent credit transaction with subsequent actions taken under impersonation and coercion. The cash advance was unauthorized at its inception and should have been credited back pending a proper investigation.

I am requesting that Wells Fargo reverse the unauthorized cash advance, remove all related interest and fees, and confirm in writing that the credit card dispute has been reviewed under the Fair Credit Billing Act rather than incorrectly bundled into an electronic funds transfer denial.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc.
State: MS

Complaint narrative:
Reg e violtion for disputed transactions On XX/XX/XXXX the company coinbase who is backed by XXXX XXXX XXXX continues to claim they have credited my account. Thier own customer service reps file! Because they themselves do not see the deposits they told me to wait two days I waited two days they filed the escalation I get an email back from the back office saying that the account were credited the account was never credited to any XXXX  wallet or any coin wallet whatsoever yet they continue to claim that they were credited it and it is past time so this is a reg e violation and they should get a fine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2025, a Chase representative confirmed that {$180.00} of the {$550.00} annual fee would be refunded. However, my XX/XX/2025 statement only shows a refund of {$91.00}. 

Please review the prior communication and issue the remaining {$92.00} as previously promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 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: FL

Complaint narrative:
I saw a withdrawal for {$120.00} from my XXXX  account on XXXX XXXX. I tried to dispute it online, but it wouldn't let me, so I called and waited for 40 minutes on hold. I explained I didn't make the charge and filed a dispute. They suspended my account to 'investigate ''. I never received any reason why my dispute was denied, just that it was. 
There isn't anyway to contact the company that charged me. It is called XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank failed to overturn a fraudulent/misrepresented charge for auto repair, detailed below : I took my vehicle to an auto shop for a timing chain replacement in late XX/XX/year>. The vehicle had new engine noise present immediately upon receipt from the shop, which I documented in a video. I attempted to resolve the issue with the vendor with numerous phone calls and a text message exchange where I sent them the video of the engine noise ( the vendor confirmed receipt ), but they would not reinspect their repair under warranty and instead wanted to charge me additional diagnostic fees. 

After taking the vehicle to a second shop for independent diagnosis, it was discovered that the vendor had failed to replace a critical component in the job ( timing chain tensioner ), which not only caused the new engine noise, but also caused their repair to fail immediately. This was also despite billing me for an entire " XXXX XXXX XXXX XXXX XXXX' on their invoice. The Technical Product Director for XXXX also confirmed in an email that these components were not theirs and showed photos of the correct components with their company 's distinctive manufacturer 's tooling as proof. I ultimately had to take the vehicle back to the second shop and pay for a second repair to correct the first vendor 's error. 

Despite this overwhelming proof that the vendor ; a ) failed to fulfill their contracted scope of work entirely, b ) refused to fix their mistake despite numerous offers to do so, and c ) intentionally misrepresented their repair by billing me for parts that they did not install, my bank ( Citibank ) decided not to uphold my dispute with the vendor and kept the charge on my 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 monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Banks handling of my credit card account and the forfeiture of my rewards points after representations were made to me regarding account status and reinstatement. 

After falling behind on payments, I contacted Chase and explained that I intended to bring the account fully current as soon as I was able. During these conversations, a Chase account executive advised me that making interim payments would keep the account open, and that once I completed payment in full, the account would be reinstated and my accumulated rewards points would be restored. 

Relying on these representations, I began making smaller payments over time, specifically because I was told that doing so would preserve the account until I could pay the balance in full. I also informed Chase that I was prioritizing this account because of the substantial value of the rewards points attached to it. 

Ultimately, on XXXX XXXX, I made a payment in full of approximately {$65000.00}. This payment was made in reliance on Chases repeated assurances that the account would remain open and that my rewards points totaling close to one million ( 1,000,000 ) points would not be forfeited. 

Despite accepting these payments, Chase closed the account and permanently removed the rewards points. I was later informed that the account would not be reinstated and that the points were forfeited, directly contradicting what I had been told while making both the interim payments and the final payment in full. 

Because of Chases assurances, I prioritized Chase over other vendors and financial obligations, making Chase a payment priority specifically due to the promised outcome regarding account status and rewards. Had I been informed that the account would be closed regardless of payment, I would not have structured my payments or financial decisions in this manner. 

I believe Chases conduct constitutes misrepresentation and unfair treatment, as I relied on Chases statements to my financial detriment while Chase accepted substantial payments under conditions that were not honored.

I respectfully request that : Chase preserve and review all call recordings and internal account notes relating to communications about account status, reinstatement, and rewards points ; Chase restore my forfeited rewards points or provide appropriate monetary compensation reflecting their value ; and Chase provide a written explanation addressing why the representations made to me were not honored. 

I am requesting CFPB assistance to help resolve this matter fairly. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene Finance is refusing to accept mortgage payments unless I submit a lump sum exceeding XXXX plus dollars. There is no active foreclosure, no reinstatement quote, and no signed repayment or modification agreement. A representative stated payments under the requested XXXX plus would not be accepted and terminated the call even after he was told we were not finished with the questions or conversation ; once I raised legal compliance concerns, this is refusal is preventing me from curing default and appears to violate RESPA and Regulation X. This has been happening for several months now. I have been making payments that have been kept in suspense for way too long. Instead of applying it to the mortgage, they allow escrow to take the funds, once I realized this, I requested the funds to be returned so that it can be applied to the actual mortgage payment. I have attached a copy of this transaction. I feel like they are purposely doing this to send my loan into foreclosure. I am confused on why they tell me they are not accepting any payments unless it's the full amount. For the record all calls are recorded by Selene Finance which can be used as proof. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I sent a XXXX payment in the amount of {$1000.00} through my bank to an individual who represented that they were qualified and able to properly prepare and file my tax return. These representations were material to my decision to authorize the payment. 

After the payment was made, the individual improperly prepared and filed my taxes. As a result, the IRS has required that I file an amended return to correct errors caused by the original filing. This IRS requirement constitutes independent, third-party confirmation that the service was not performed competently or as represented and that I suffered financial harm. 

This dispute is not related to buyers remorse, dissatisfaction with services, or a change of mind. The XXXX payment was authorized based on misrepresentation. Had the true facts regarding the individuals ability or intent to properly perform the service been known, the payment would not have been authorized. 

I have filed, or am in the process of filing, a fraud report with the Federal Trade Commission and am submitting my bank dispute to include and reference these complaints as supporting documentation. I am requesting that the bank conduct a reasonable investigation under Regulation E ( 12 CFR 1005.11 ) that considers the documented misrepresentation and the IRS-verified harm, and that the disputed funds be reimbursed or provisionally credited while the investigation is completed.

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 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Company was informed that the person died and attorney is still waiting for the court to decide on the probate. They lie to me about taking care of the problem but instead I have to get angry over the phone and repeat the same things over again. Have video of the delivery on XXXX XXXX XXXX in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: NC

Complaint narrative:
Dear SUNRISE CREDIT SERVICES XXXX  : I am disputing a collection account reported by Sunrise Credit Services XXXX  for an alleged XXXX XXXX XXXX  debt in the amount of {$12000.00}. 

I have never opened, authorized, or maintained any utility account with XXXX XXXX, nor have I requested or received utility service at any address associated with this alleged obligation. I have no prior relationship with the original creditor. 

This account was placed for collection and reported to consumer reporting agencies without prior billing statements, service confirmation, or proof that I am the responsible consumer. I did not receive documentation showing service authorization, a verified service address, billing records, or evidence linking this account to me. 

Despite disputing the account, Sunrise Credit Services XXXX continues to report it as valid without providing consumer-specific documentation. This appears to be the result of misidentification, mixed consumer data, or fraudulent attribution. 

Reporting and attempting to collect an unverified debt violates the Fair Credit Reporting Acts requirement for maximum possible accuracy ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Acts prohibitions against misrepresentation and unsubstantiated collection activity ( 15 U.S.C. 1692e and 1692g ). 

To date, the account remains unverified and inaccurate.

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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I am formally disputing the XXXX, XXXX account listed on my Experian credit report. This account is inaccurately and incompletely reported and must be investigated under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Specific inaccuracies include : Joint Responsibility Without Identification The account is reported as joint, yet no co-obligor is identified. Reporting joint liability without naming the responsible parties is incomplete and misleading.

Failure to Verify Legal Obligation No lease agreement, judgment, or itemized move-out accounting has been provided to substantiate this alleged debt. Without proof of contractual obligation, the account is unverifiable.

Improper Handling of Disputed Information This account is marked as disputed, yet continues to update monthly without documentation of dispute resolution, in violation of FCRA 623 ( b ).

Unverifiable Balance The reported balance of {$8000.00} has never been itemized or validated.

Because this information can not be verified as accurate and complete, I am requesting immediate deletion of this tradeline from my credit report. 

Please complete your investigation and notify me of the results within the timeframe required by law. 

Sincerely, XXXX 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 2025-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XX/XX/year>, my XXXX XXXX  account was compromised due to an individual hacking into the account. There was {$720.00} of payments to Kia Motors Finance disputed by the hacker in an attempt to transfer the money to themselves. 

This was caught and resolved by XXXX, and any payment disputes that could be cancelled were cancelled. The remaining payment disputes that could not be cancelled were paid out of pocket to Kia Motors Finance by me. 

Since this issue took place, I have been getting error messages indicating that my payments ( paid using my account number ). After contacting XXXX, it was confirmed there were no stop payments on my account. I was also able to pay all other bills after this issue occurred using my account number. When contacting Kia Motors Finance to indicate this was the case, I was told again and again ( on multiple occasions during multiple calls ) that this was XXXX 's fault as they were blocking payments. XXXX confirmed they were not blocking any payments to any merchants. Attached document is a transcript from XXXX indicating that no stop payments are on my bank account. 

This resulted in a single delinquent payment on my account, which had to be resolved utilizing another account number for payment. It was also insinuated that Kia Motors Finance on XX/XX/year> that a prior months payment was not received. This was categorically false, as this bill is always paid the month prior ( outside of this delinquent payment due to Kia Motor Finances refusal to appropriately resolve this issue ) and the automated message I was played prior to speaking with a representative indicated that the company did in-fact receive my payment. 

Customer service, on XX/XX/year>, indicated that they were not willing to escalate this issue to any other department for review. I was told that they have a debit card payment option, but that option is not available, as an error message occurs upon attempting to initiate this 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