vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a billing dispute on my credit card account. Capital One initially issued a temporary credit while investigating the dispute, but later reversed that credit based solely on the merchants response.

The merchant was unreachable despite multiple attempts to contact them directly. Capital One did not take into account the merchants failure to respond to me or the lack of a meaningful opportunity to resolve the issue outside of the dispute process.

Capital One relied exclusively on the merchants assertion of a non-refundable policy without demonstrating that the policy was clearly disclosed, fairly applied, or independently verified. I was not provided sufficient documentation showing that Capital One conducted a reasonable investigation beyond accepting the merchants claims at face value.

As a result, the charge was reapplied to my account despite unresolved concerns regarding the accuracy and fairness of the charge, causing financial harm.

I believe Capital One failed to conduct a reasonable investigation as required under the Fair Credit Billing Act. The investigation did not adequately consider the merchants lack of responsiveness or verify whether the charge was properly applied and handled in accordance with consumer protections.

Based on Capital Ones response, the merchant asserted to Capital One that a refund was issued to an alternate form of payment. This assertion is inaccurate. The charge was made using a virtual card number that is directly linked to the same underlying Capital One credit card account as the physical card. A refund issued to the virtual card would necessarily post to the same account.

No refund was ever received or posted to the account. Capital One did not provide documentation showing that a refund was processed, traced, or reconciled to the account, nor did they verify the merchants claim that funds were returned to an alternate payment method.

By accepting the merchants statement without proof of a completed refund to the account, Capital One failed to conduct a reasonable investigation and improperly relied on an unverified merchant assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a loyal consumer born in XXXX, who has used this account responsibly since XXXX XXXX ( approx. 8 years ). To ensure full compliance with PayPal 's policies, I was already proactively in the process of updating my account name from " XXXX XXXX XXXX '' to my legal name. I had already submitted my government-issued ID for this identity verification process. 

Despite my transparent efforts to verify my identity, PayPals automated AI completely ignored my ongoing verification and 8-year history. Because of the extreme exchange rate ( nearly XXXX XXXX ), I had paused international purchases and was unfamiliar with current bank verification delays. While I was trying to fix what appeared to be a technical glitch with my bank accounts, the system permanently limited me without any human review. 

To make matters worse, PayPal 's support chat informed me that " agents are unavailable, '' blocking a lifelong customer who was already in the middle of a formal identity verification. I demand an immediate manual review of my submitted ID and account history, and the restoration of my account. This level of systemic failure for a verified consumer is unacceptable. 

In XXXX XXXX, all banking and verification processes are instantaneous. Due to this cultural and systemic difference, I reasonably interpreted PayPal 's multi-day delay as a technical error. My email logs from XXXX XXXX  to XXXX XXXX  prove that I was actively trying to fix this perceived glitch by updating my legal name and re-registering my accounts in good faith. PayPals AI failed to account for this legitimate consumer behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I reached out in regards to my pending rewards in the amount of XXXX that have been pending a long time. They have not been released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: WI

Complaint narrative:
Received XXXX text messages so far from Halstead Financial stating they are attempting to collect a debt from XXXX XXXX XXXX XXXX. I have never heard of either of these places and I am concerned I will be sued for a debt I do not owe. The texts are from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Every time I deposit a check into my account at the Chase Bank XXXX located at XXXX XXXX and XXXX XXXX, XXXX XXXX, FL They freeze my money foXXXX XXXX  days, while at other XXXX branches they release it to me the next day. 
How is it possible that this only happens in this office and not in others? 

My question is : : Where is the money that was withdrawn from my account at another financial institution XXXX Bank XXXX XXXX ) during those XXXX days? 

Thank you XXXX XXXX XXXX XXXX please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I opened XXXX XXXX and Money market account on XXXX XX/XX/year>. 
On XXXX XX/XX/year> when i tried to move money from XXXX account to money account via online access it didn't worked. Then i called the customer service. They also tried and then asked me to go to the nearest branch in XXXX XXXX  where i went there to do this transaction. 
Well i told them that i can not keep on coming to the branch like this. 

Today when i tried to move {$3000.00} from XXXX account to money market account it didn't allowed and gave this error once again.

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 2026-01-02 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This is my third CFPB complaint regarding this issue, as prior complaints have resulted only in partial remediation. 
My XXXXXXXX XXXX XXXX  account was charged recurring Account Assure fees over multiple years. I disputed these charges and requested full reimbursement of all fees assessed since enrollment, as well as the interest and finance charges that accrued as a direct result of those fees. 
In response to prior CFPB complaints, the company issued a limited credit covering approximately six months of Account Assure fees, while declining to refund the remaining fees or any related interest. The company has repeatedly stated that its position remains unchanged and has relied on prior correspondence rather than providing a full accounting or substantive justification for limiting refunds to six months. 
I specifically requested documentation supporting the enrollment, a complete accounting of all Account Assure fees charged since enrollment, and a calculation of interest attributable to those fees. The company did not provide this information.

The issuance of a partial refund confirms that the fees were inappropriate, yet the company has failed to fully remediate the resulting consumer harm. Partial remediation does not resolve fees and finance charges assessed over multiple years. 
I am requesting full restitution, including all Account Assure fees charged since enrollment, all interest and finance charges attributable to those fees, and correction of my account balance and historical statements. This matter remains unresolved due to the companys repeated failure to fully address the dispute despite multiple CFPB complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged extra fees with out proper explanation I was charged XXXX down payment and XXXX for some kind of insurance they said if the car broke down it could be fixed by them but when it did they told me I cant use it car kept braking down had to fix multiple times never received a adverse action letter for the XXXX I put down either. Know there telling me I owe money after they took the car and sold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Snap Recovery, Inc.
State: MO

Complaint narrative:
The collection agency is attempting to collect an alleged landlord debt that is disputed and not validated. They have repeatedly harassed me and my son, used abusive and condescending language, contacted my son to shame and pressure him, refused to provide a copy of the alleged settlement agreement, and continue threatening legal action. This conduct violates the Fair Debt Collection Practices Act. I have sent written debt validation and cease-and-desist notices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am submitting a followup complaint because the mortgage servicer has not fully corrected the inaccurate credit reporting related to my VA loan modification review. As stated in my original complaint, I was explicitly told by the servicer that no payments were due while my VA loan modification application was under review. I relied on this instruction in good faith. At no time did the servicer provide written notice that my account would be reported as delinquent during the review period, which is required before furnishing negative information to the credit bureaus. 

In response to my prior complaint, the servicer changed my credit reporting from XXXX  days past due to XXXX and XXXX days past due ( XX/XX/year> and XX/XX/year> ). While this partial correction acknowledges that the original reporting was inaccurate, the remaining XXXX delinquency is still incorrect and misleading. I was told no payments were required during the review period, and therefore any delinquency reporting for that timeframe is factually inaccurate. 

The servicer can not instruct a borrower not to make payments, fail to provide written notice of potential negative reporting, and then report the borrower as delinquent. This is inconsistent with fair servicing practices and continues to harm my credit profile. 

I am requesting that the CFPB require the servicer to fully correct the reporting by removing the remaining XXXX delinquency ( XX/XX/year> and XX/XX/year> ) and accurately reporting the account as current for the entire modification review period.

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank closed my account randomly without any notice and I havent done anything outside the guidelines and when trying to contact them about what happen they dont know or cant tell me this was my only bank I have been using and it was extremely unfair and unethical to close it without any warning or notice

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 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
A XXXX XXXX account was opened in my name at an address I've never lived without my consent or knowledge. I was unaware of this account until it showed up on my credit report. I contacted XXXX XXXX and they found my account but said they could not give me any information until I verified my identity. 

XXXX XXXX sent a XXXX debt to the collection agency XXXX XXXX XXXX XX/XX/year> I called XXXX XXXX for the account information and they refused to give any details. I have tried to contact Helvie and Associates with no luck. 
I applied for a loan thru my credit union and that is how I found out the address of said account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I have been longtime customer of Robinhood brokerage and signed up for there Robinhood credit card. It generated statement of {$6800.00} $ to be paid by XXXX XXXX. 
When I went to initate payment they showed me option of Robinhood Brokerge having {$32000.00} balance Hence I naturally chose that as payment option. I had redeemed points to cashback in brokerage account before so I knew that credit card to investing account transfer were working and naturally assumed since they are one parent company everything should work hassle free, After 2 days on XXXX XXXX I saw that my payment was rejected by Robinhood. Reason for rejection mentioned was Withdrawls locked ( XXXX_robinhood_delcined_payment.XXXX  ). 
I tried contacting robinhood investing as XXXX XXXX was last date and I did not want any interest to be charged. 
After contacting support I was told that withdrawls were not locked ( XXXX_robinhood_rejected_payment_with_no_reason.XXXX  ) At this point I did not want to get into hassle of figuring out why robinhood rejected my payment so I went ahead with my XXXX account to pay the amount. Here Robinhood credit card app wouldn ; t let me pay saying that payment is too large ( XXXX_tried_paying_using_XXXX_not_allowed.XXXX ). I tried contacting support to let them enable me to pay so that I dont miss the date. They didn't help. Eventually I just paid {$1000.00} since that was only amount they allowed me. ( XXXX ). 
Since I know that payment was rejected if I wanted to overpay they should let me overpay. I dont understand why they kept blocking my payment. 
Further to avoid XXXX XXXX last date I contacted them to push my date to any future date so that I dont get charged interest ( XXXX ) At this point they blocked my account ( XXXX ) and rejected new payment date. 
They wasted my one day in verification. I was pro actively trying to contact them but they wouldnt let me resolve it. In fact they removed call support when they blocked me. There was no fraudulent charge on credit card to block me. 
As a consumer i exhausted all my options and wasted so much of my time texting, calling, emailing etc. Robinhood showed me option to use robinhood brokerage to pay off my balance and still shows me ( XXXX_robinhood_investing_account_showed_as_option.XXXX ) hence I utilized that option. In first place there was no reason to reject that payment. 
Later I tried my XXXX  account to pay with and still that was not allowed. 
Tried pushing date and was blocked. 
In the end they charged me interest for 2 days since after my account was unblocked I ended up paying using XXXX account on XXXX XXXX ( XXXX shows all payment ) This interest charged is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: RI

Complaint narrative:
I've held my XXXX XXXX Rewards Card with Chase for years, and always paid on time. On XX/XX/year> they charged the annual membership fee of {$99.00}. On XX/XX/year>, because I entered a payment arrangement on a different card, they closed my XXXX XXXX. When I called to request a refund of the annual fee, they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am filing this complaint regarding Chimes handling of my debit card dispute under the Electronic Fund Transfer Act ( Regulation XXXX ). 

I originally disputed a debit card transaction totaling {$380.00} related to digital services purchased from the merchant XXXX Coins. The transaction was authorized, but the dispute concerned non-delivery, defective delivery, or lack of verifiable delivery of digital credits associated with the purchase. 

Chime initially denied the dispute under an unauthorized transaction theory that did not reflect the nature of the issue. After further contact, Chime reopened the dispute as Claim ID XXXX. 

During the reopened investigation, I participated in a phone call with a Chime XXXX who asked questions consistent with a billing error / non-delivery of digital services investigation, including what was not received, when delivery was expected, whether there was a delivery address ( digital/in-app ), and what the merchant provided. 

I also made a formal written request under Regulation XXXX for copies of the investigation materials, records, notes, or documentation relied upon in making a determination. 

Despite reopening the dispute and conducting a phone investigation under a billing-error framework, Chime closed Claim ID XXXX and issued a determination that again relied on unauthorized-use language, without addressing delivery or verification of the digital services and without providing or making available the investigation documents requested. 

Additionally, Chime stated in chat that transcripts and records could not be provided and repeatedly attempted to route documentation requests to phone-only handling. No transaction-level proof of delivery, merchant logs, or investigation records were provided or referenced in the final determination. 

I believe Chime failed to conduct a reasonable investigation, failed to consider material information provided, and failed to provide access to the documents relied upon, as required under XXXX XXXX The investigation conducted and the determination issued do not align with each other.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have been requesting this situation to be resolved since XX/XX/year>XXXX  when the truck was totaled. 
Capital one has the XXXX from my gap cancellation and refuses to refund my money!

Company response to consumer: Closed with explanation