vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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: MORTGAGE SOLUTIONS OF COLORADO
State: AL

Complaint narrative:
I am submitting this complaint regarding serious servicing errors and misconduct by Mortgage Solutions Financial related to my mortgage loan ( Loan Number : XXXX ). I am a XXXX XXXX XXXX XXXX XXXX with a XXXX loan, and I have made multiple good-faith attempts to engage in loss mitigation and resolve issues with my loan. However, Mortgage Solutions Financial has failed to follow proper procedures and has engaged in conduct that has significantly harmed me. The issues are as follows : Failure to Provide Required Foreclosure Notices On multiple occasions, I did not receive required written notice of foreclosure proceedings. My VA XXXX XXXX was also not properly notified. This raises serious concerns regarding compliance with foreclosure notification requirements. Loss Mitigation Failures My repeated attempts to participate in loss mitigation were unsuccessful due to time-sensitive documents not being mailed or processed in a timely manner by the servicer. This prevented me from responding within required deadlines. Mishandling of Submitted Documents I was instructed to repeatedly submit documents via email and mail. Despite doing so, I later learned that these documents were not transferred into the system used for processing. My loss mitigation case was then closed for no response approximately XXXX days before I was informed, despite my compliance. Misleading Information Representatives of Mortgage Solutions Financial repeatedly provided inaccurate and misleading information regarding : The status of my application Whether documents had been received and processed What actions I needed to take Documented Harm The cumulative effect of these servicing failures has caused significant distress. I am a XXXX XXXX with XXXX, XXXX, and XXXX. The stress caused by this situation has been severe and contributed to a recent mental health crisis, including hospitalization. Additionally, during a recorded call, a representative acknowledged practices described as playing dirty, which raises serious concerns about the integrity of their servicing practices. This was before the representative was informed of the severe emotional distress they had caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I made purchases from an online merchant ( XXXX ) and experienced multiple issues involving billing, cancellation, and non-delivery. On XX/XX/XXXX, I placed an order totaling {$340.00}, which was split into XXXX charges of {$220.00} and {$120.00}. I canceled this order before it was fulfilled. The merchant acknowledged issues with the transaction, including a duplicate authorization, and stated that the charge would be released. Despite this, the order was still processed and I was charged. I did not receive the item. Additionally, I was charged for another item that I did not receive. The merchant initially acknowledged issues and later provided conflicting information, including stating that the item was delivered despite my report of non-delivery. I followed all instructions provided by the merchant, including reporting the missing package and complying with their process. Ultimately, the merchant instructed me to dispute the charges with my bank. I filed a dispute with my bank, SoFi, on XX/XX/XXXX and provided supporting documentation, including : Proof of cancellation Evidence of non-delivery XXXX records showing the merchant acknowledged billing issues and advised me to dispute the charges Despite this, my dispute has not been resolved. Due to the delay in resolving this issue and returning my funds, my account has been negatively impacted and has fallen into a negative balance. This has caused financial hardship. If this situation were reversed, I would be subject to fees or penalties, making this outcome unfair. I have made good faith efforts to resolve this issue with both the merchant and my bank but have not received a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
Purchased XXXX XXXX XXXX XXXX via XXXX in XX/XX/XXXX, financed by Santander Consumer USA . The loan principal included a $ XXXX " Tire & Wheel '' protection policy. For six months ( XX/XX/XXXX XX/XX/XXXX ), the dealer has failed to activate this insurance policy. Santander has been collecting interest on this non-existent, dealer-funded product for the duration of the loan. Furthermore, the vehicle was delivered without the proprietary wheel lock key. As of XX/XX/XXXX, the vehicle is at XXXX miles and requires a XXXX safety service ( tire rotation/brake inspection ) that is physically impossible to perform without the missing key. This compromises the manufacturer warranty and the safety of the collateral. On XX/XX/XXXX, I contacted Santander to request a credit for the unearned interest on the inactive policy. The representative refused to provide a supervisor and disconnected the recorded line. The dealer ( Driveway ) continues to claim " meetings '' or " 48-hour '' delays to avoid providing a resolution or a Pre-Authorization for the repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi has denied my dispute for the second time. They admit in writing that there is no receipt with my signature. They claim XXXX chip = authorization and signed receipt is not required. This is false as per XXXX XXXX XXXX requires compelling evidence of consent for unauthorized card-present claims. XXXX chip proves presence, not agreement to the inflated bill. Attached are the following documents : 1. ) Sofi 's XX/XX/year> Denial Letter ( explicitly admits no signature on receipt ). XXXX. ) Copy of merchants sales slip and bill, no copy of signed receipt. XXXX. ) XXXX search showing Sofi 's pattern of denying/stalling legitimate fraud dispute claims. There are many more consumer complaints that can be found online - too many to attach. XXXX. ) Information showing that XXXX, XXXX is a notorious, well-known area for these types of scams. XXXX. ) Multiple customer reviews of XXXX XXXX XXXX XXXX describing similar overcharge scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XXXX, I sent {$1000.00} through XXXX XXXX to purchase a saddle from an online seller. After payment was sent, the seller provided shipment details through what appeared to be a shipping company. After the initial payment, I was told I needed to send an additional {$300.00} for refundable shipping insurance, which I paid based on representations that it was required for delivery and would be refunded. After that payment, I was then asked to send an additional {$500.00} for stamp fees. At that point, it became clear this was likely a fraudulent transaction and part of an advance-fee scam. I did not send the additional {$500.00}. I immediately disputed the original transaction ( s ) with my bank/XXXX XXXX and provided screenshots of the seller communications, shipping messages, payment records, and the escalating fee requests that clearly show deceptive conduct. My dispute was denied despite the clear evidence that this transaction involved fraud, misrepresentation, and repeated post-payment demands unrelated to the original agreed purchase. This was not a legitimate goods transaction. The seller never delivered the saddle, and the repeated requests for additional fees are consistent with online marketplace fraud. I am requesting review of how this dispute was investigated and why the fraudulent nature of the transaction was not properly considered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Skrill USA , Inc. regarding unauthorized transactions on my account that occurred on or around XX/XX/year>. These transactions were not authorized by me. I did not share my login credentials, nor did I engage in any activity that would compromise my account security. Skrill conducted an investigation and denied my claim, stating that I failed to exercise due care, but they have not provided any specific evidence to support this conclusion. Their response consisted only of general security advice and did not address how the unauthorized transactions were approved or processed. I am requesting : A full reimbursement of the unauthorized transactions A detailed explanation of their investigation findings Supporting evidence such as IP logs, device access records, and authentication data I believe Skrill has failed to properly investigate this matter and is wrongfully denying my claim. I am requesting regulatory review and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a XXXX Honda XXXX from XXXX Honda XXXX. I agreed to an Out-the-Door ( OTD ) price of {$54000.00}. After my {$20000.00} down payment and my {$500.00} XXXX XXXX rebate, the final balance due to be financed was {$33000.00}. Instead, the dealership funded the loan for {$34000.00}. This is an unauthorized increase of {$870.00}. The dealership 's General Manager admitted in an email that the math was changed 'after the fact. ' I am seeking a principal reduction of {$870.00} from American Honda Finance to correct my loan to the agreed-upon balance of {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
During the week of XX/XX/2026, Barclays repeatedly declined legitimate purchases I made with my card via XXXX XXXX, flagging them as possible fraud. This happened multiple times this week when I attempted to make purchases through XXXX XXXX. Each time, I was the person making the purchase, and the transactions were legitimate. After the declines, I contacted Barclays several times that week to explain that I had authorized the transactions and to ask that my card be unlocked for normal use. Instead of permanently resolving the issue, Barclays told me they wanted me to fax highly sensitive personal documents, including my Social Security card, my identification card, and a utility bill, to unlock or verify the card. I believe this request is excessive and unreasonable given the circumstances, especially because I had already called multiple times to confirm that I was the person making the transactions. Even after I explained that the purchases were authorized, I still could not reliably use my card through XXXX XXXX. As a result, I have been unable to use my card normally for everyday purchases. I want Barclays to stop wrongly flagging my authorized XXXX XXXX transactions as fraud, restore normal access to my card, explain why this keeps happening, and review whether it was appropriate to request highly sensitive documents like a Social Security card, identification, and utility bill to resolve this issue.

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 2026-04-07 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

Complaint narrative:
I am filing a complaint regarding an improper debit and denial of dispute rights by PayPal. I paid a XXXX tour company XXXX XXXX using PayPal, with my XXXX XXXX card linked to my PayPal account. During the transaction, the PayPal interface did not display the usual currency conversion options or clearly disclose the exchange rate or fees. The payment processed immediately without transparency. The charge posted to my XXXX XXXX card as {$5400.00} USD, which was significantly higher than the expected mid-market exchange rate. Due to concerns about the exchange rate and transaction handling, I contacted the merchant. The merchant agreed to issue a refund and process a new transaction outside of PayPal. The refund I received on my XXXX XXXX account through PayPal was {$5100.00} USD, which left a shortfall. I then filed a dispute with XXXX. After investigation, XXXX determined that an additional {$260.00} USD was owed to me and credited that amount to my account, making me whole. After this resolution, PayPal debited my PayPal account XXXXXXXX XXXX ( {$250.00} USD ), claiming that I had received a double refund. This is incorrect. I did not receive a double refund. The additional {$260.00} from XXXX was to correct a shortfall caused by the original transaction and exchange rate discrepancynot an overpayment. I contacted PayPal to dispute this {$250.00} USD debit and requested to file a formal dispute in writing. A PayPal supervisor informed me that I could not file such a dispute, effectively denying me access to a formal dispute resolution process. Timeline of Events XXXX Paid XXXXXXXX XXXX via PayPal XXXX Charge posted to XXXX Visa : {$5400.00} USD XXXX Merchant issued refund via PayPal : {$5100.00} USD on XXXX XXXX. XXXX Filed dispute with XXXX. XXXX XXXX credited {$260.00} USD after investigation. XXXX PayPal debited XXXX EUR ( {$250.00} USD ) claiming double refund. XXXX Contacted PayPal by phone a second time; denied ability to file written dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
After about two decades of using PayPal, with very rare issues, I can officially say that PayPal no longer stands behind it's users and PayPal 's PayPal Buyer Protection is a scam. On XX/XX/25, I made an order with XXXX for two swim trunks in the amount of {$59.00} USD. The swim trunks were supposed to arrive by XX/XX/25. XXXX did not even ship them by XX/XX/25, so I sent them an email inquiring. They simply marked the swim trunks as shipped the next day and said nothing. They were XXXX XXXX trunks and had to arrive by XX/XX/25, so I could take them on my XXXX cruise. They did not arrive until after the cruise. I reported the issue to PayPal on XX/XX/25 that even if the product arrives it is too late. When they finally arrived, they turned out to be defective : misprinted and thin see-through material. I sent images, a full explanation, receipts, everything to PayPal and even offered to return the swim trunks back to the seller. After over a month of pretending to resolve my claim, they asked for more info that they already had. I resubmitted. They now denied my claim claiming, " an item is materially similar to the seller 's description, we do not consider it to be significantly not as described. '' That's it. I responded with : The items are defective and, in addition, ( 1 ) they were not shipped until I reached out ; ( 2 ) they arrived late according to the seller 's own arrival date, and ( 3 ) they arrived after I could use them. They pretend they do not monitor their mailbox and will not provide a response. They do not even let you appeal and they do not review your evidence. PayPal is NOT what it used to be! BEWARE! They do not protect their customers and their PayPal Buyer Protection is a complete SCAM! I informed PayPal that I will make this complaint and also with the FTC, if they do not resolve this justly in my favor. I will also stop using their services. I do not do business with shady companies that lie to and ignore their customers. I tried disputing the claim with XXXX XXXX XXXX to no avail. I just received a debt collector letter to pay this {$59.00}, which was a product of fraud and a scam and PayPal not honoring their Buyer Protection Guarantee. My next step is to file a small claims action against PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I visited the XXXX website to book a flight on XX/XX/XXXX. I was advertised directly on the booking site to get 15 % off ( in miles ) my flight purchase when I purchased with miles by using a Delta American Express Gold Card. I applied for the card and was accepted ; I then paid for the flight with that card but did not receive 15 % off. Delta said my card was not linked to my account ; American Express said my card was linked to my account. American Express then said it would take 48-72 hours for my card to sync with my SkyMiles profile despite them seeing the linkage on their said, as well as the advertisement insinuating it was instant and could be used for purchases made that day. In all, I was predatorily targeted to apply for a co-brand credit card with promised terms from and advertisement that was not fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
CITIZENS PAY XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Monterey Financial Services LLC
State: MO

Complaint narrative:
For the past several months, I have been attempting in good faith to resolve a valid debt with Monterey Financial that is currently being handled by their collections department. The current balance was recently quoted to me by phone at approximately * * {$9200.00} and change * *. During this time, I have made repeated efforts to settle the account by both * * email and phone * *, including requesting a written hardship repayment arrangement that would freeze future interest and allow temporary monthly payments of {$100.00} until my current work contract resumes in approximately 90 days. Despite these repeated attempts, I have consistently been met with delayed responses, statements that it would take 48 hours for review, aggressive and dismissive collection call behavior, and circular or unclear answers that do not actually resolve the issue or provide written repayment terms. I have specifically requested that all negotiations remain in writing, consistent with the contract requirement that modifications be made in writing, but Monterey has not provided a clear written resolution despite multiple opportunities. Meanwhile, interest continues to accrue and the account is now negatively affecting my credit profile while the company continues to delay communication and prevent a realistic repayment solution from being finalized. My objective is not to dispute the debt itself, but to obtain a fair written hardship repayment modification, freeze of future finance charges, and appropriate credit reporting treatment once the account is successfully resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I am disputing a billing error on my Robinhood credit card statement. My calculated statement balance, excluding all refunded and disputed charges, is {$250.00}. However, Robinhood is incorrectly stating my balance is {$410.00}, a discrepancy of {$150.00}. I have contacted customer support multiple times to ask for a breakdown of this {$150.00} difference. Each time, support has refused to provide an explanation, simply stating 'Your statement balance is accurate ' without addressing the specific math provided. I am exercising my rights under the Fair Credit Billing Act to dispute this inaccurate balance. I request that Robinhood provide a corrected statement balance and ensure no interest or late fees are applied to the disputed portion of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
After the initial dispute, was told that I would get a new card and I would be able to set everything up to make my payments once the new card came in. I have NEVER received a new card and I contacted the point of contact via email about this. I checked my credit report today and it looks like they have either closed my account or something and it is reflecting several payments past due. Considering I have had health issues and have not been able to do my due diligence to contact the company or get this worked out, I can understand their reasoning BUT I wanted to make payments to the card and have access to the new card. I am using the last four of the original card number for this dispute. I have no idea what the new card number is.

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Form 1098 : the following line has a wrong amount : XXXX MORTGAGE INTEREST RECEIVED FROM PAYER/BORROWER ( S ) {$11000.00} Account number : XXXX and XXXX

Company response to consumer: Closed with explanation