vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal does not want to return my money and closed the case same day it was filed. I am on appeal but Paypal is being complicated. It is from XXXX purchases worth {$5700.00} and they closed it right away. I appealed but they want to hold my money for 45 days. XXXX needs to refund my money because it is protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My ex attacked me gave me a concussion, sent me to jail for XXXX XXXX. I can't contact her and she shut my phone off. I just got back to work and was trying to fix the issue and they denied me help. Even though I have proof she messed up my life. I am just trying to get my life back in order. They could have helped me and I got denied. That is not good customer service. GM Financial had terrible customer service. I don't have any of the documents because they were all in the car

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I received a notification of a collection account from Sunrise Credit Services appearing on my credit report. I had never heard of this agency and had not received any prior communication or billing from them. When I contacted Sunrise, they requested my email address, Social Security number, and date of birth without first verifying my identity or providing proof of the debt. I declined to provide this information due to security concerns. I submitted a dispute with Experian, and the account was removed almost immediately. However, the collection account reappeared on my TransUnion report shortly after, prompting me to file another dispute. According to Experian, the alleged debt is linked to XXXX XXXX. After researching, I contacted XXXX directly. I discontinued my service in XX/XX/year> and received a credit balance at that time. Spectrum also confirmed that they do not require a Social Security number to establish service, which raises further concerns about how Sunrise Credit Services may have obtained or attempted to obtain my personal information. Additionally, I never received a final bill from XXXX or any collection notice from Sunrise Credit Services. Had I received proper notification, I would have disputed the matter immediately. As a result of this account being reported, my credit score dropped by XXXX points. Given these circumstances, I am concerned that this may be a case of inaccurate reporting, a misassigned debt, or potential identity theft.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX the full bill of {$4200.00} was paid in full, yet I was charged interest of {$32.00}. I was told my a Capital one manager even if you make the full payment, I will still be charged a daily interest until the next bill. I have been a customer since 2008 and do not believe this has ever happened. I had a zero balance under 30 days so there should be no interest. I would like the {$32.00} refunded as I did not have a balance over 30 days during the time the interest was assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
I had an auto loan through Midwest acceptance, but I surrender and they re-sold it in the auction & still have the Original total on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am submitting a formal complaint regarding Huntington Banks handling of aXX/XX/XXXX-party refinance payoff check and the resulting financial harm. In late XX/XX/year>2025, I received a refinance payoff check from XXXX XXXX XXXX XXXX made payable to both myself and my previous lender ( XX/XX/XXXX ). I attempted to deposit the check via mobile deposit, and it was accepted. Shortly after, I was instructed by XXXX to visit a branch location, which required over an hour of travel. At the branch, the check was again accepted and processed without any issue being identified regarding the missing endorsement from the second party. Following this, the check remained on hold. Over the course of several months ( XX/XX/year>2025 through present ), I made multiple attempts to resolve the issue with Huntington. During these interactions, I was given inconsistent and incorrect information. At XXXX point, I was specifically told that the endorsement issue and release process were being handled on the back end and that there was nothing further I needed to do. Based on this information, I waited for the bank to process the funds accordingly. This information was inaccurate, and no such resolution occurred, resulting in additional delay. I later learned that Huntington was holding the funds and would not release them to either myself or the intended lender due to the missing endorsement, despite having already accepted and processed the check. As a direct result of this failure to properly process or resolve the check, my refinance payoff was never completed. This forced me to continue making payments on both my original loan ( XXXX XXXX ) and my new loan ( XXXX XXXX ) at the same time. My financial impact includes : - Payments toXX/XX/XXXX : {$300.00} XX/XX/XXXX {$1200.00} - Payments to XXXX XXXX : {$1200.00} - Additional payments : {$320.00} and {$41.00} Total financial impact : {$2800.00}, not including ongoing interest and hardship. Throughout this process, I have also encountered unprofessional and dismissive responses from Huntington representatives, which further delayed resolution. I requested that Huntington : - Release the funds to the appropriate party or return them to XXXX XXXX - Provide a clear explanation of the issue - Escalate the matter for resolution Despite these requests, the issue has remained unresolved for over XXXX months. I am requesting : - Immediate return of the funds to XXXX XXXX so the refinance can be completed properly - A full review of Huntingtons handling of this matter - Compensation for the financial harm caused by this delay and error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex cancelled my account incorrectly If you look at the chat they sent the terms of cancellation between XXXX and XXXX and I approved because the chat was moving so fast. I didnt realize they were closing my platinum card. There was no indication of my account ending in XXXX in the chat. Amex is now refusing to reverse the cancellation, even though after speaking with their rep they said it was possible. I believe this is an intimidation tactic as my annual fee will be coming up in XXXX. They want you to pay the {$890.00} annual fee for the year without being able to recoup the full benefits. So they make cancelation easy without taking proper steps to confirm with the consumer. Please help my card get reinstated. This was a big misunderstanding. Ive been Amex customer for XXXX years, and they canceled my card within XXXX minutes in an online chat without making it clear to me as a consumer that my main personal card was the one being canceled. No phone call to confirm whether I would like to truly cancel my card after being a consumer for years. This has nothing to do with XXXX credits, if you look deeper into my account I already received the credit. This is a predatory, deceptive, and manipulative pushback strategy and not a proper way to treat consumers. I called Amex immediately after the chat ended to see if they can reinstate my card and they said they would review and get back to me. They were not kind and stern on their decision without hearing my point of view and understating the chat was a big misunderstanding and happened within XXXX minutes. Amex is not hearing my case and I am requesting the CFPB to help advocate for me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express checking froze my account with XXXX in it they wont provide me any information or a time line which is illegal Im pretty sure but they wont help me been calling multiple customer support reps and the wont help they held my money without letting me spend it I would like to close my account and get my funds back Im never using them again and cfpb should do a full run investigation on them because if you look online there XX/XX/XXXX toXX/XX/XXXX of people having issues with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I make my payments they was adding interest couldnt keep up became debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA

Complaint narrative:
On XX/XX/year>, my final loan payment in the amount of {$640.00} due on my auto loan with XXXX XXXX. However, they pulled the contracted payment amount of {$750.00} via ACH rather than the payoff amount of {$640.00}. I called XXXX asking how this could be remedied and they shared that my account was closed so they would send me a refund check 21 days after paid in full. I asked why, and they shared that they needed to wait for the funds to clear, but I know that it only takes 1-3 days to an ACH payment to clear. I asked when I would receive my title, they shared it would be released 7 days after paid in full. I clarified, so XXXX will release the title that secures the collateral 7 days after paid in full, before funds have cleared but I have to wait 21 days for a refund check to be processed? They said yes. I waited 31 days, and still no refund. I called XXXX again, only this time they shared I had to wait 21 BUSINESS days, that was not what they shared with me on my first call. As of the date of this complaint it has been over two months since the loan was paid in full, and yes I have received my title, but no refund for the overpayment. I call XXXX today XX/XX/year>, and spend 45 minutes on the phone while they researched my refund, and it had not been processed, the rep stated they would escalate the issue. This makes me wonder why XXXX has this practice? What do they gain by taking more money than is due and holding the funds? Are they inflating their assets? Their liquidity? How many customers are being impacted by this practice? I did file a complaint with the Department of Financial Institutions, they referred me to the Attorney 's General office who sent my complaint to XXXX and I was notified XX/XX/year> from the AG that XXXX did not respond to my complaint. It seems clear to me that XXXX has no concerns for their customers only their bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am filing a complaint againstXX/XX/XXXXregarding my inability to withdraw Bitcoin from my account and lack of timely resolution. On XX/XX/year>2026, I attempted to withdraw approximately XXXX XXXX and received an error preventing the transaction. I immediately contacted XX/XX/XXXX support and opened Ticket ID XXXX. XX/XX/XXXX requested identity verification via a photo submission. I complied and submitted the requested documentation. They later claimed they could not view the file and asked me to resubmit. I did so again and confirmed upload on XX/XX/year>2026. Since then : I have followed up multiple times ( XX/XX/XXXX and XX/XX/XXXX )XX/XX/XXXX acknowledged receipt and stated they were working with their team No resolution or meaningful update has been provided My withdrawal remains blocked Additionally, on XX/XX/scrub>, 2026, XX/XX/XXXXautomatically closed my support ticket due to no response, despite my ongoing attempts to resolve the issue This situation is concerning because : My funds are effectively inaccessible I have complied with all verification requests Customer support has been unresponsive and inconsistent Requested resolution : Immediate restoration of my ability to withdraw XXXX Clear explanation for the restriction Confirmation that my account is fully operational I request CFPB assistance in resolving this matter promptly, as it involves restricted access to my funds without clear justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint against Chase Bank : I am filing a complaint regarding Chase Banks handling of my XXXX dispute totaling approximately {$12000.00}. I reported these transactions as being induced by misrepresentation of goods and services. I provided details that the product delivered was materially different from what was promised, including significant discrepancies between invoiced items and what was delivered, as well as safety concerns. Chase denied my claim without requesting or reviewing supporting documentation, including written admissions from the business and evidence of misrepresentation. This is not a case of buyers remorse or a standard service dispute. The funds were sent based on false representations that directly influenced my decision to send payment. I am requesting that Chase conduct a proper investigation and review of this matter under misrepresentation and fraud criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I was fraudulently charged by XXXX XXXX XXXX XXXX XXXX for the amount of {$230.00} USD. I have filed XXXX separate disputes with Apple Goldman Sachs on this. I have also contacted XXXX and they will not provide any information regarding the transaction, itinerary, or receipt of goods. They refer me back to disputing the charge with my back. This is a carousel and there is no off ramp other than eating the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX debt sold to Credence Resource Management. After 41 years with XXXX XXXX XXXX XXXX, I switched my business phones to XXXX last year after XXXX XXXX XXXX XXXX declined. As part of the package, XXXX paid XXXX XXXX XXXX {$580.00} remaining on an XXXX XXXX. XXXX confirmed to me that XXXX & XXXX was paid. XXXX XXXX XXXX confirmed by phone that payment was made. I had communicated with Credence several time sby phone that this was a business debt that was paid last XXXX by XXXX a spart of porting my phones ove rto XXXX. Yesterday, Credence Resource Management dinged my personal credit report for a collection, dropping my FICO score down over XXXX points. This is a business debt, not a personal debt, and WAS PAID last XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: TN

Complaint narrative:
Spoke to XXXX XXXX XXXX XXXX stated the foreclosure sale of XX/XX/year> has been placed on hold. I was also told foreclosure attorney was emailed telling them to cancel foreclosure sale for XXXX. I reviewed foreclosure attorney website this morning XXXX my home is still listed for foreclosure sale. I was also told loss mitigation is actively reviewing my application, financials for a modification. The underwriters have stated the packet 's complete, they do have enough time to complete the review before the sale date. l asked her do she see the conversation l had with XXXX XXXX. She replied she did l asked do you see she stated the review is closed and modification was denied on XXXX. She said she did, l asked why am continually being given misinformed information. She specified she will look into to this complaint. But that her updates are from XXXX and they are accurate. l replied so this information was in your system yesterday. Because yesterday was the XXXX, these updates were in your system. she agreed. She asked if she may consult her manager, she returned and said she had good news from her manager XXXX XXXX, he would like to clear this matter up. My property is still showing a foreclosure sale. Please Help!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
Some background : I am XXXX with the military currently ( in a XXXX XXXX ) and my old phone broke, so I had to re log into all my accounts on a new phone. Because I am overseas and on a different phone, I can't get texts. So I tell CashApp this, I verify my SSN, bank info, my ID, facial recognition, everything shy of text verification. After spending HOURS on their chat, going through fraud verification, I get told there is nothing I can do, and my money will stay on my account and I can't access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: UT

Complaint narrative:
Subject : Unauthorized Overdraft Protection Election and Finance Charge I am a 19-year customer of PNC Bank ( originally with an acquired institution in XXXXXXXX XXXX ) XXXX I am disputing a {$50.00} " automatic '' cash advance and an associated {$10.00} finance charge that occurred on my account. The Issue : > PNC Bank triggered a cash advance from my credit card to cover a {$50.00} overdraft. I have no record of ever electing to use a credit card cash advance for overdraft protection. When I contacted PNC to ask for " Proof of Election '' ( the date and method by which I authorized this specific service ), they were unable to provide it. Customer Service Failures : > I spent XXXX minutes on the phone with four different representatives, including a supervisor. One representative admitted the charge was unnecessary and should be refunded, but a subsequent supervisor refused, citing " policy '' despite their inability to prove I ever signed up for this high-interest service. They claimed the election was made in 2014 but can not produce any documentation or digital confirmation to support this. Resolution Requested : > 1. A full refund of the {$10.00} finance charge and any associated interest. 2. Written proof of the 2014 election I supposedly made, or the immediate removal of this " protection '' feature from my account to prevent future unauthorized charges. As a retired customer who has run every bill through this bank for nearly two decades, I find it unacceptable that PNC can not document the fees they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: IA

Complaint narrative:
my loan payments were on auto draft, then the loan was transferred to a new servicer. I dont have the new servicers information to make payment as the auto draft did not transfer with the loan. I am currently behind now because I thought it was on auto draft. Selene finance is not answering the phone or answering my emails. I need to make this payment, it is behind and I dont want it going into foreclosure because the auto draft was not transferred with the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been a Chase Bank customer since 1995. I would rate my past credit history with Chase, in terms of activity and on time payments, as above average to excellent. Last week I made an incorrect payment of XXXX from my TD Bank account to my Chase Ink business credit card. It should have been XXXX. I called chase and they refused to correct my mistake. They then lowered my available credit by XXXX. I then filed a dispute for the incorrect payment to XXXX Bank and the CFPB. The money was returned. However, today, Chase closed not only that account, but XXXX other credit card accounts I have with Chase bank. This seems a lot like retaliation for my initial dispute. I would like to have my three cards back to utilize, and the original credit lines available. Anything you can do to help would be greatly appreciated. XXXX XXXX, XXXX XXXX ( cell )

Company response to consumer: Closed with explanation