vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I sent a XXXX payment through my PNC account to my landlord, but the recipient never received the funds has no record of the transaction. The payment shows as completed on my end. I filed a dispute with PNC, and they denied it after their investigation without resolving where the funds went. I am requesting trace of the funds and reimbursement if the payment can not be confirmed as successfully delivered to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint regarding an invalid debt being collected by Affirm. On XX/XX/year>, I placed an order with XXXX ( Order # XXXX ) for XXXX XXXX using Affirm financing. The order was for store pickup and I never received the merchandise. Due to fulfillment issues, I filed a complaint with the Better Business Bureau against XXXX. XXXX XXXX XXXX became involved and confirmed that the order was canceled on XX/XX/year> and that a refund was issued. This was confirmed by a XXXX XXXX XXXX representative named XXXX ( XXXX ext. XXXX ). Despite this, Affirm denied my dispute and continues to treat this as a valid debt. Additionally, on XX/XX/year> at approximately XXXX PM, I spoke with an Affirm representative named XXXX regarding Case # XXXX. She confirmed that the dispute should have been resolved in my favor and indicated there may be a system error. Despite this internal acknowledgment, Affirm continues collection attempts and has threatened negative credit reporting. This debt is invalid. The transaction was canceled, refunded, and no goods were received. I am requesting : - Immediate removal of the loan balance - Immediate halt to collection activity- Assurance this will not impact my credit - Correction of their records to reflect a canceled transaction I have supporting documentation available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Issue Type : Incorrect ATM Withdrawal / Debit Card Transaction Error ( Regulation E Violation ) I am filing a complaint against XXXX regarding an incorrect transaction on my XXXX debit card. XXXX is reporting a {$23.00} ATM withdrawal and a {$2.00} ATM fee. I did not use an ATM at any time on the date of this transaction. Instead, I made a retail purchase at a store which was XXXX XXXX totaling {$20.00}. I have a receipt showing the exact date, and time, which proves items was purchased. Multiple documentation has already been submitted to XXXX multiple times. I have disputed this matter three times. Each time, XXXX denied my claim without properly addressing the evidence or explaining how the transaction was determined to be an ATM withdrawal. This constitutes a failure to conduct a reasonable investigation of an electronic fund transfer error under the Electronic Fund Transfer Act ( Regulation E ). I am requesting : - Correction of the transaction to reflect the verified retail purchase - Removal of the {$23.00} ATM withdrawal and {$2.00} fee - Removal of any balance XXXX claims I owe related to this error - A full written explanation of the investigation, including authorization and settlement records Upon correction of the transaction to accurately reflect the retail purchase, I am willing to satisfy any legitimate balance consistent with the corrected amount ( approximately {$19.00} ), and no additional fees or charges. I did not authorize or conduct any ATM withdrawal. XXXX continued refusal to correct this error despite clear documentation is unacceptable. I am requesting prompt resolution in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am having problems with Synchrony Bank accepting my payment for my XXXX XXXX card. All payments I have made I have used my personal bank account. When trying to make online payments, my payments are rejected. This is the only credit card that I am having trouble with making payments. The history of payments will show that I use the same banking information.

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 2026-04-22 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:
Dispute Reason : Merchandise Not as Described/ Defective I am disputing a charge of {$100.00} for an item purchased from XXXX ( Order # XXXX ). Credit card Case for capital one XXXX The product received is not as described and does not function properly. Specifically, the item does not fit or connect correctly to my vehicle as advertised, making it unusable. I have attached photos and video evidence showing the product not working and not fitting as intended. I made multiple attempts to resolve this issue directly with the merchant : - XX/XX/year> Order placed - XX/XX/year> Contacted merchant via email requesting refund/replacement and provided video proof - XX/XX/year> Merchant responded requesting video evidence ( which I provided ) - After providing evidence Merchant stopped responding and has ignored further communication attempts- Follow-up messages sent No resolution or refund provided The merchant has not processed a refund, nor have they provided a return label or instructions to return the defective item. I am willing to return the item, but the merchant has failed to cooperate or provide a resolution. Due to the merchants failure to resolve the issue and the product being defective/not as described, I am requesting a full refund under consumer protection and chargeback rights. Supporting documentation attached : - Order confirmation and receipt - Product listing/details - Email communication with merchant - Video and photo evidence showing defect and improper fit - Proof of attempts to resolve the issue I respectfully request that this charge be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Against Capital One Failure to Return Security Deposit & Misleading Customer Service I am filing this complaint regarding Capital Ones failure to return my security deposit after my account was closed. My account was closed by Capital One, and I am owed the return of my security deposit. Since the closure, I have contacted Capital One customer service multiple times to request the release of my funds. Each time I call, I am told that a request has been or will be submitted and that I need to wait a certain number of days. However, when I follow up after the stated timeframe, I am repeatedly told that no request was ever submitted on my account. This cycle has occurred multiple times, demonstrating a pattern of misinformation, lack of internal accountability, and failure to properly process my request. As a result, Capital One is wrongfully withholding my funds without justification. I have made good faith efforts to resolve this directly with the company, but their representatives have failed to take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Today, XX/XX/XXXX, I spoke with three different representatives with Regions Bank, XXXX, XXXX and XXXX. XXXX told me that {$2100.00} was due to bring the account current. I explained to XXXX that for at least 2 months I attempted to make my payments as I always have since opening the card in XXXX of XXXX. I typically pay via my Regions App because of the bio option to open the app. I don't have the best luck from the desktop, get locked out for too many attempts with the wrong password. But for the last attempts to pay would only give me the total balance {$18000.00}. No minimum payment or custom option. ( I will attach the screen shot for you to see. ) Anyway, she told me that the {$2100.00} equaled to {$1600.00} past due and {$580.00} current charge. I told her I would pay the {$580.00} and needed to speak with the person who could help me get back on track relating to the late charges, etc. ( The {$580.00} came out of my XXXX account immediately. Then it was XXXX. She said all the rights things and she would help me out, after being on hold for 11 minutes, the phone " disconnected ''. I call back and get XXXX, and tell the story all over again. She tells me my card was " revoted '' and nothing could be done. I asked for a supervisor and through, XXXX she said that the supervisor said nothing could be done.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: IL

Complaint narrative:
WHOM IT MAY CONCERN : I AM SENDING THIS LETTER TO YOU IN RESPONSE TO A NOTICE I RECEIVED FROM YOU.BE ADVISED, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT,15 USC 1692g SEC.809 ( b ) THAT YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE-NAMED TITLE AND SECTION.I RESPECTFULLY REQUEST THAT YOUR OFFICE PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU.PLEASE PROVIDE ME WITH THE FOLLOWING : WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW I AGREED TO PAY WHAT YOU SAY I OWED ; PROVIDE A VERFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE ; IDENTIFY THE ORIGINAL CREDITOR ; PROVE THE STATUTE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT ; SHOW ME THAT YOU ARE LICENCED TO COLLECT IN MY STATE ; AND PROVIDE ME WITH YOUR LICENCE NUMBERS AND REGISTERED AGENT.IF YOUR OFFICES HAVE REPORTED INVALID INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAUS ( XXXX, XXXX OR XXXX ), SAID ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS.DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT DEFAMATION OF CHARACTER ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am submitting this complaint regarding how Chime handled my report of fraud. I was the victim of an online marketplace scam on XX/XX/2026 in which I was deceived into sending {$740.00} through XXXXChime for a purchase on XXXX XXXX XXXX I sent {$240.00} via Chime. The seller misrepresented themselves as a legitimate business. They offered pick up days and delivery, and sent me other furniture pieces that they carried in their inventory that I had been shopping for. They provided an invoice, and confirmed delivery arrangements after payment. After receiving the funds, they stopped responding and deleted their account. I reported this on XX/XX/2026 to Chime immediately. However, I was told that because I authorized the transaction, it could not be classified as fraud and no dispute or investigation would be opened. I believe this is an incorrect classification. I authorized the payment based entirely on false representations and deception. This type of activity is commonly referred to as authorized push payment fraud, where a consumer is induced to send money under fraudulent pretenses. I am requesting that Chime review this matter as a fraud claim, confirm whether any trace or recall request was attempted, and explain what actions were taken regarding the recipient account. I am also requesting a clear explanation of Chimes policies regarding scams involving deception and whether any protections or reimbursement options apply in these situations. I have documentation including transaction records, communications, the invoice provided by the seller, and confirmation of my report along with my IC3 report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I am filing a complaint regarding a lease payoff and missing refunds involving my vehicle financed through XXXX XXXX XXXX. My insurance company, XXXX XXXX, paid {$41000.00} under my collision coverage toward my lease payoff. A Letter of Guarantee was issued to my insurance company reflecting the payoff amount. In addition, there was a GAP-related payment under my policy in the amount of {$10000.00}. Based on my lease agreement, GAP coverage through XXXX should have covered the remaining balance owed after the insurance payment. I was also informed by my insurance company that any overpayment would be refunded directly to me. However, despite these payments, I have not received any refund and have not been provided a clear or complete accounting of how these funds were applied. The dealership has stated that funds were applied to my balance but has not issued any overpayment or refund. Additionally, I purchased GAP coverage and other upgrade/warranty products through the dealership and have not received any refund for the unused portions of those products. I have been attempting to resolve this matter for over 45 days. I have provided all requested documentation, including my policy and policy language. I have repeatedly been told that the matter is under review by the legal department, but no resolution, timeline, or refund has been provided. I am requesting : A complete payoff breakdown showing all payments received ( insurance, GAP, and any other sources ) Clarification of the {$10000.00} GAP-related payment and how it was applied Confirmation of whether an overpayment occurred Immediate refund of any overpayment due to me Refunds for any unused GAP and upgrade/warranty products in accordance with my contract terms Based on the amounts paid, it appears that the total funds may have exceeded the lease payoff. Any excess funds should not be retained by the dealership or finance company and should be refunded to me. I have made multiple attempts to resolve this directly but have not received clear answers or payment. I am requesting immediate resolution and release of all funds owed to me.

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 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I received a full accounting from Shellpoint, but unfortunately the current records are insufficient to verify the accuracy of the loan 's reported principal balance and modification calculation. There is a material discrepancy between expected amortization based on contractual terms and the servicing records provided. The loan originated XX/XX/XXXX with a principal balance of {$330000.00} at 7.4 % interest rate. A loan modification effective XX/XX/XXXX increased the principal balance to {$360000.00}. However, the servicing records provided does not include a full payment application history for the period XXXX - XXXX, making it impossible to verify how payments were applied or how the modified balance was calculated. As a result, the accuracy of the unpaid principal balance and modification capitalization can not be verified. It is not possible to independently verify : 1. Whether the principal was properly reduced during the period XXXX ; 2. How the unpaid principal balance was calculated prior to the XX/XX/XXXX modification ; 3. The basis for the capitalization of additional amounts into the modified loan balance ; 4. Whether all payments were correctly applied in accordance with the loan terms.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
Subject : Formal Dispute Escalation Request for Re-Investigation and Credit I am formally requesting a re-investigation of my previously denied disputes involving transactions with XXXX, XXXX, and similar merchants. Your decision states there was no indication of fraud and that the transactions were authorized. However, this conclusion is inconsistent with the actual transaction pattern on my account and with how other financial institutions handled similar transactions. My account statements clearly show repeated transactions, rapid deposits, and activity within the same timeframes and merchants. This pattern should have triggered a more thorough review. Additionally, another financial institution has already issued provisional credit for similar transactions during their investigation, which directly contradicts your findings. You have not provided sufficient documentation or explanation proving that all disputed transactions were properly authorized. A general statement is not enough under Regulation E. I am requesting the following : 1. A full re-investigation of all disputed transactions 2. Copies of all documentation and evidence used in your decision 3. A detailed explanation of how these transactions were determined to be authorized 4. Immediate credit for disputed transactions where no clear authorization can be proven If this matter is not resolved appropriately, I will continue escalation through the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ). I expect a response with full documentation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding NRA Group , LLC d/b/a National Recovery Agency ( NRA ) for violating the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F by engaging in debt parking and reporting a collection account to all major credit bureaus. NRA refuses to remove the negative collection account on my credit reports with XXXX, XXXX, and XXXX even though I never received any initial communication, validation notice, itemized statement, or contractual agreement documentation establishing the existence or legitimacy of the alleged debt. Under Regulation F, a debt collector is prohibited from furnishing information to a credit bureau before providing the consumer with a written validation notice. NRA did not provide any such notice. Public complaint records show that NRA has a pattern of inaccurate and inconsistent credit reporting, including reporting debts consumers dispute or do not recognize. For example, XXXX complaints describe NRA placing negative remarks on credit reports for debts consumers state are not theirs and reporting inconsistent or unverified information across bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing this complaint against my mortgage servicer, Shellpoint Mortgage Servicing ( Newrez LLC ), for adding over {$17000.00} in litigation costs to my mortgage account without notice or authorization. My normal monthly payment is approximately {$3500.00}. However, my XX/XX/year> mortgage statement suddenly increased to {$20000.00}, including over {$17000.00} in legal fees labeled as litigation cost disbursements. These charges appear to reflect attorney fees incurred by the servicer to defend itself in litigation that I filed against them.

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