vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was charged a {$40.00} late fee on XXXX, XXXX, XXXX and XXXX. This totals {$160.00} in late fees alone from the past year. I made a payment for each of these months through Captial One 's automatic payment system. Nothing bounced during those months. I'm enrolled in automatic payments from my checking account since signing up for the card and the app does NOT give me the option to change the date. The date it's set to is the DUE DATE of the payment each month. When I called to ask about the fees, Capital One said that they are considered late because they aren't posted until the XXXX. THE STATEMENT says they are processed on the XXXX. The funds are directly taken from my personal checking account on the appropriate date. If it completes the transaction later this is due to the way their transactions are processed and is not my own fault. I have hardly used the card in the past two years and having late fees when my payments are being made automatically on the proper due date makes this card financially impossible to pay off. Their customer service was not helpful at all, the associate said she is not able to override anything. I don't know what my other options are and I feel trapped with late fees that take out a significant amount of my balance. I was also not contacted or notified that there would be late fees before they started.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> around XXXX I transferred XXXX outta PayPal under instant which means it takes XXXX to transfer I have done it enough. On XX/XX/XXXX the money around XXXX showed up then PayPal backed it up XXXX later. I was in bed at that time i would wake up to no money in my account and an overdraft on my XXXX. Not only that they locked me out all crypto block chains.My XXXX was also blocked on PayPal not just the XXXX I was learning crypto for a job small amount 's XXXX XXXX XXXX was training {$27.00}, {$3500.00} {$61.00} $ were the amount 's very small. However before I started they locked me out of trading for no reason on both account 's. My Bank was XXXX I spent hours on the phone with the bank trying to understand why XXXX $ was missing from my account it took XXXX day 's to figure out. We discovered PayPal stole the fund 's then tried to cover it up.I submitted photo 's from with in side the account as I am doing here it say 's instant transfer but took XXXX 's to process.Below is the bank they refused to chat with the bank. Then demanded money then threatened to put it on my credit report after stealing from me. IF YOU LOOK AT THE SCREENSHOT YOU DON'T SEE ANYMORE TRANSFERS INTO THE ACCOUNT AFTER THE INSTANT TRANSFER ON XX/XX/XXXX WHICH TOOK XXXX 'S. IF I BACKED UP RIGHT INTO PAYPAL THE XXXX XXXX XXXXXX/XX/year> YOU WOULD SEE IT IN THE TRANSACTION HISTORY ( XX/XX/year> Transaction trace number to bank from PayPal # XXXX XXXX came into account Trace. XXXX XX/XX/year> XXXX PAYPAL XXXX backed XXXX later XXXX XXXX paypal ) Dispute confirmation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
This loan was opened under the latest data breach please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
This debt collector has engaged in unlawful practices that are clear violations of the Fair Debt Collection Practices Act ( FDCPA ). They reported an account without my consent, and I have not signed any agreement regarding it. A legal contract requires the consent of both parties, and I was not involved in this process. Furthermore, they failed to adhere to the mandated five-step validation procedure. Under the FDCPA, I am entitled to compensation for these egregious violations. They have overstepped their bounds and infringed upon my rights. I demand the immediate removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CO

Complaint narrative:
This debt collector has engaged in FDCPA-prohibited practices. They furnished this account that I didn't agree on, and I didn't sign an agreement. A legal contract is executed between XXXX parties, and I had no involvement whatsoever in the process. They didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations, and clearly, they violated my rights and abused my privileges. I demand that this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was previous apply for a chase account and the bank approved me and a day after close my account due to an previous account that I open XXXX years back and was hack and fraud activity took place not to my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
Disputed the debt with XXXX XXXX ( account number : XXXX ) around XX/XX/year> and requested documentary verification, including an itemized ledger and the basis for the extra month of rent on a customer care line. XXXX XXXX acknowledged the dispute but has not provided the results of a reasonable investigation or the documents needed to verify the debt. Instead, they continue to say they are collecting information. I sent a follow up email on XX/XX/XXXX, and on XX/XX/XXXX. On XX/XX/XXXX I got a response back saying they are collecting information. More than XXXX days have passed, and XXXX XXXX still has not provided the results of a reasonable investigation or documentary verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Dave Operating, LLC
State: MO

Complaint narrative:
I am filing this complaint against Dave Inc. for failing to honor a legal revocation of ACH authorization. On [ XX/XX/26 ], I formally notified Dave Inc. via their in-app support chat that I was revoking authorization for an upcoming debit scheduled for [ XX/XX/26 ] in the amount of [ XXXX ]. Under Electronic Fund Transfer Act ( Regulation E ), 12 CFR 1005.10 ( c ) and NACHA Operating Rules 2.3.2, I have the right to stop payment by providing notice at least three business days before the scheduled transfer. Despite providing this notice, Dave Inc. representatives explicitly stated the payment was 'not eligible for revocation ' because it was a 'one-time authorization. 'This is a direct violation of federal law which does not allow companies to contract away a consumer 's right to stop a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Complaint Against : Shellpoint Mortgage Servicing Product/Service : Mortgage Loan Modification / Loss Mitigation Description of the Issue : I am filing this complaint against Shellpoint Mortgage Servicing for refusing to work with me on a reasonable loan modification after I fell behind on my mortgage due to a financial hardship. I was initially approved for a loan modification and began my trial payment plan. However, my second trial payment was late because my bank account was hacked, and I was temporarily unable to access my funds. I immediately contacted Shellpoint to explain the situation and offered to make the payment as soon as the issue was resolved, but they refused to accept the payment. I also provided documentation from my bank verifying the account hack, but Shellpoint still denied my modification instead of allowing me to continue making payments. Following this denial, I reapplied for another modificationincluding requesting their 40-year modification optionbut just two days later, I received notice that I was not approved, without any meaningful review or explanation. I have been working with a HUD-approved housing counselor to try to resolve this matter, but they have also been unable to get any cooperation or solution from Shellpoint. At this point, Shellpoint is not offering me any assistance to get caught up or avoid foreclosure, despite my willingness and ability to make payments. I believe Shellpoint has mishandled my loss mitigation applications and unfairly denied me affordable repayment options after a verified financial hardship. I am requesting that the CFPB review this matter and require Shellpoint to properly evaluate my modification applications in accordance with federal servicing regulations and fair lending standards.

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 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: AR

Complaint narrative:
I applied and received {$800.00} from a tribal lender Big Picture. I made my first payment but soon I was in a car accident in which my car was a total loss. I have reached out to the company several times but I only get what seems is a generated response. I received an email saying they would help with only one payment. I agreed for them to take a payment of {$25.00} on XX/XX/year> which they did not do. I again emailed them and asked why my payment was not taken and could they please work with me on a settlement but that i can not afford the 700 % interest. Again I get the generated message telling me I knew what I was getting into. But no response as to why they did not take the payment I agrees to. Doing some further research it appears this is a predatory company claiming it does not have to follow any state law as they are protected tribal loan. I am more than willing to agree to repay the {$800.00} but they refuse to talk to me or help me with a settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
i lived at a an apartment in XXXX called neon local. i had to buy the lease out which i did. the paid over {$4500.00}. i randomly saw they put on my credit report i owe {$8000.00}. i've called but it's all new employees and they won't help me. i live in utah now so i can't fight it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc.
State: PA

Complaint narrative:
This debt is over 7 years old and the company did not provide me with debt origination letter

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 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I try to apply for an Checking and Savings with Wells Fargo and I was denied due to previous fraud accounts that were open using my name and social security number

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 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
I sent them a message to revoke ach access because that is my legal right as a consumer and instead of them doing so they deny my request stating that the cash advance ( XXXX ) is a one time process every time. They continuously try to make loopholes to not follow through and will not delete my debit card from their database. I stated that this is a direct violation of my rights and they have also disregarded that so i am now reporting them because I dont know what my other options are. The date I asked for ach revoke was on XX/XX/year>. They denied me today as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint is related to CFPB complaint # XXXX ( filed XX/XX/XXXX ) and a second complaint # XXXX ( filed on XX/XX/XXXX ). Since disputing unauthorized Payment Security charges on my CareCredit account, Synchrony Bank has closed a total of XXXX separate accounts that were all current and in good standing. The closures have occurred progressively as I have pursued my dispute through formal channels : 1. Rooms To Go ( ending XXXX ) closed XX/XX/XXXX. Account was current and in good standing. 2. Amazon XXXX XXXX ( ending XXXX ) closed XX/XX/XXXX. Account was current and in good standing. 3. PayPal Mastercard ( ending XXXX ) closed XX/XX/XXXX. Account was current and in good standing. 4. PayPal Credit ( ending XXXX ) closed XX/XX/XXXX. Account was current and in good standing. The stated reason for all closures is : Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. The only delinquent Synchrony account is the CareCredit account that is the subject of my active dispute. That accounts delinquency was caused by {$1600.00} in unauthorized Payment Security charges that inflated my balance over a XXXX period. Synchrony partially acknowledged these charges were improper by issuing a {$760.00} refund, but refused to refund the full amount. The account was subsequently charged off on XXXX XXXX XXXX days after Synchrony received my second certified dispute letter. Synchrony is using the consequences of their own improper charges on one account as justification to close XXXX unrelated accounts that are all performing as agreed. This pattern of closures began after I filed my first CFPB complaint and has escalated as I have continued to exercise my dispute rights. The closures have damaged my credit score through reduced available credit and closed by creditor reporting, compounding the harm caused by the original unauthorized charges. I am aware that Synchrony Bank was the subject of a XXXX CFPB enforcement action resulting in over {$220.00} XXXX in consumer relief for deceptive enrollment practices involving credit protection products. The pattern of behavior in my case unauthorized enrollment, partial remedy, and progressive retaliation against a consumer exercising dispute rights raises serious concerns about whether these practices have continued.

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 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am disputing the accuracy of the reporting on an auto loan account that is currently showing multiple late payments, including XXXX, XXXX, andXX/XX/XXXX-day delinquencies. I previously disputed this account through the credit reporting agencies ; however, the account continues to be reported without any documentation being provided to support the accuracy of the late payment history. No complete payment history, calculation breakdown, or supporting records have been provided to explain how the late payments were determined or reported. The reporting appears inconsistent across multiple years, raising concerns about the reliability and accuracy of the data being furnished. I am requesting that XXXX XXXX XXXX provide full documentation supporting the reporting of this account, including a complete payment history, or remove any inaccurate late payment information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
I bought a XXXX XXXX XXXX from top speed auto in XXXX Arizona on XX/XX/XXXX. We met at Lendmark financial to discuss numbers and finalize the autoloan for the mustang. Once we finished the paperwork and I was approved, they handed me the keys and said come back to their dealership in a week and they would give me the registration paperwork and fix the clips on the bumper since I complained about it. I wait XXXX week and during that time the XXXX XXXX broke. I went back to the dealer to tell them about it only to find out they closed forever. No cars on the lot, windows were covered and the doors were locked. So I am left with no registration. I go to Lendmark financial and explain the situation to them. The XXXX XXXX told me I need to get a " bonded title '' if I wanted to register the car since the dealer went out of business. Also mentions that the dealer never sent the title to the bank! She gave me the paperwork to do the bonded title and said that's all they can do and sent me on my way. do my research and few months go by since I thought I had to save up and pay for the title myself. I go back to Lendmark on XX/XX/XXXX and explain to them that if I do the bonded title route on the car it will destroy the value of it. I bought the car as a clean title and now they want me to make it bonded/salvaged. I asked them to roll back the deal on the whole loan since I was sold a car without a title and she said she sent a email it to her higher up XXXX as well as the dispute department. I've been screwed out of a clean car, my ac doesn't work in the Arizona heat. And I pay {$450.00} a month for a car I can't XXXX XXXX or register. This loan needs to be rolled back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I took out the loan in the end of XX/XX/XXXX to buy presents for my children and I took out a loan XXXX speedy cash for XXXX and oil have been paying every XXXX weeks XXXX dollars and XXXX I was paying XXXX times month XXXX and so I called them and of XXXX and asked how XXXX do I have left and they told me you have to pay XXXX give or take which I said I cant pay that much but I should be done with my payments and I asked them if I can get my payments on a receipt and they tried to falsely say I missed payments which i XXXX took couple hours of yelling back and forth and they are threatening on taking my car I dont know what to do it is speedy cash and XXXX not the only XXXX

Company response to consumer: Closed with explanation